Online Health Insurance - Avail Insurance in Minutes

The health insurance market has evolved exponentially in the last few years. Importance of buying a Health insurance is increasing as health insurance or mediclaim insurance policy covers you and your family members against sudden medical contingencies. Your health or mediclaim insurance policy is an agreement between you and the insurance company. Sometimes, it covers not only the expenses incurred during hospitalization but also the pre and post-hospitalization expenses.

If you are planning to purchase a health insurance policy to cover the health related risks of you and your family members, we suggest that you buy it online. Notable health or general insurance companies offer policies online, which give you instant coverage and other credible benefits. ICICI Lombard has been among the first few Indian insurance companies to make their insurance products available online. ICICI Lombard has web-based systems to meet all pre and post-policy transactional needs of its customers. You can compare plans, get insurance quotes, buy, renew and keep a track of ICICI insurance policies online. The company also uses this web integration process with its channel partners to streamline its sales process.

With ICICI insurance, you get an instant quote for any health insurance product online. You can find out the health insurance premium rates with the help of this quote. You just need to register once. You can log in as many times you want to with the help of your user name and password. A digitally signed copy i.e. a soft copy of your policy will be available in your online account. You can access the same whenever you want and can take the print out of the same. The hard copy of your form will be sent to you within the next 2 to 3 working days.

Currently, there are a number of innovative policies offered by various insurance companies. Additionally, there are various add on schemes such as a free health check-up coupon, no interest EMI facility etc. Do check on all these to get a better deal. Also, prefer to buy your policy online. It is convenient with no paperwork involved and an instant policy is generated. Having a policy online make bit much easier to manage and renew it. This is a smarter way of buying an insurance policy because it is availed to you in minutes with much convenience and security.
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How to reduce expensive Medical costs?

The cost of health and health related services are increasing day by day. One of the smarter ways to cover such medical costs or medical expenses is to buy Health insurance. Many of us prefer to purchase health insurance, popularly known as Mediclaim to avoid financial risk and ensure medical care for the future. The importance of health insurance is growing steadily across India. The insurance companies in India are learning their lessons from the global insurers to make sure that they bring innovative plans to foster health and well-being of patients. The new private players in the insurance industry have widened their health insurance coverage package due to the modifications in the law. The health insurance industry has benefited immensely due to the rise of the new players. These companies offer reliable medical insurance that takes care of medical expenses, which may bother you each time you visit your doctor or a hospital for a medical check-up.

Most of the companies offer a health insurance that includes cashless facility at a variety of hospitals. In this case, those who have tied up with the insurer do not have to bear a large portion of the amount from his own pocket, which is directly managed by the Third Party Administrator (TPA). A comprehensive Medical insurance covers costs and expenses on blood, oxygen, Operation Theater, appliances, anesthesia, X-rays, dialysis, chemotherapy, medicines and drugs, pacemaker, artificial limbs and cost of organs. The above mentioned medical expenses are bound to happen, especially when a patient is hospitalized. A reliable medical insurance provides much more than a usual hospitalization cover. You get a health check-up coupon on every purchase, absolutely free of cost, which can help you save your other medical costs.

In India, some health insurance plans also offer you tax benefits under Section 80 D of the Income Tax Act, 1961. Make maximum out of the tax season to enhance your savings. You can smartly plan your expenses with the help of a medical insurance policy. We suggest you to go for an online purchase of your chosen medical insurance. Buying Mediclaim insurance online is not only affordable, but also ensures complete confidentiality of personal details. You will have access to your document and form throughout the day. You can take as many print outs you want and the hardcopy is sent to you on the provided address. You get instant insurance without any paperwork. Thus, we advise you to secure your future with a health insurance policy and reduce the medical expenses.
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Health Insurance Tips - Monsoon Health care

Monsoon has arrived and it is a right time to watch your food intake during this season. This season brings the excitement that makes you feel tempted to taste spicy, road-side snacks but it also brings the germs and bacteria that may cause you health problems. Cough cold, flu and water-born diseases such as cholera, gastroenteritis are frequently observed health problems during rainy days. Handle them effectively with your regular kitchen ingredients. A little care can keep the monsoon troubles at bay. A comprehensive health insurance will also aid you, in case you have chronic health problems. Read more to know the basics of Monsoon health care.

Maintain personal hygiene

• Wash your hands properly with a medicated soap before and after consuming food. Regular hand wash with a mild sanitizer also serves the purpose. Follow it with almond oil or baby cream. Applying Eucalyptus or thyme oil will also sanitize the skin.



• Wear clean and dry clothes. Go for cotton and synthetic fabrics during monsoon. Keep a pair of garments with you while traveling.

Drink boiled water and avoid consuming uncovered food

This is a common yet extremely effective advice. Boiled water is pure and consumption of the same also helps you to digest food in a right way. Avoid eating the street-side foods like deeply fried fritters, fruits slices and other such snacks. Have light and freshly cooked meals.

Consume hot foods

Have lots of hot, home-cooked foods like soups, curries, freshly cooked vegetables. Keep sipping lukewarm water between meals. Make use of the following ingredients while cooking to get rid of some common Monsoon ailments:

• Ginger is an excellent digestive herb. Start your day with a ginger tea or basil tea, which has medicinal value and works as a preventive measure for gastric problems, cold and cough. Also, few sips of honey and carrot juice help curing throat infection, which is a common problem in this wet weather.



• Garlic consists of anti-viral and anti-fungal activities that cure the cold, stomach infections and increases your overall stamina. Consumption of hot garlic soup or garlic juice mixed with onion juice in hot water works as a magic for cold and flu.



• A hot curry made by tamarind, butter and pepper also helps to clear the nasal passage and gives relief from cold. For those, who prefer non-veg, hot Chicken Soup is considered as one of the most beneficial of all of the hot liquids that cure cold and cough. Also, hot foods like spicy curries, mustard sauce help to clear the nasal blockage.



• Seasonal fruits and leafy vegetables such as apples, plums, lichies, apricots, spinach, carrots, cauliflowers, radish, fenugreek, lettuce should be included in daily meals. Eating an apple everyday provides basic nutrition and protection to your body. You should practice eating it more than reading it as an old proverb.



• A natural antibiotic like Golden seal is beneficial when there is greater nasal infection during the rainy season. Peppermint candy and herbal teas are also very good at helping to fight with the monsoon ailments.

The regular spices, herbs and other kitchen paraphernalia can be so useful to handle the common monsoon ailments. These simple home remedies give you a natural relief and save you and your family from spending money on unnecessary bills and medication.

Warm Up

Don't skip your exercising schedule. Try to work-out more indoors. Many of us tend to get gloomy during monsoon. Exercise is the best way to manage your emotional health care. Learn new things like Yoga, dance or Martial Arts. Start your day with a group exercise or hit a local gym or a health club with a buddy.

Insurance

In case of extreme emergencies, a health insurance policy will cover you and your family against sudden medical contingency or bodily injury. Many insurance companies offer extensive medical insurance that includes a list of benefits such as free health check-up coupon, tax benefits, cashless claim and EMI facility. Thus, health insurance is very important. We advise you to also secure your vehicle with car insurance. Accidents can occur anytime and it is wise to protect yourself against unforeseen circumstances. These days, you can conveniently buy medical insurance or vehicle insurance online. You get instant protection without any paperwork.

Prepare little in advance and take extra care of yourself in this monsoon to enjoy it fully.
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Exercising in Monsoon

Monsoon is a time when the first few breezes of the rainy weather cause indolence even to the ones who articulately plan their work-outs. Many of us put on extra kilos as the exercise schedule goes for a toss. One of the main reasons behind this is that we keep our exercise schedule on hold till the rains take a break and prefer to enjoy the indoor environment with a cup of coffee. Exercise is an important part of your monsoon health care regime and it’s very essential to look at different option to regulate the exercise to stay active, fit and healthy. There are multiple exercise options you can try, if you’re comfortable working out indoors. Exercise can be fun during monsoons, read on to know how

Here are some tips to watch how you can exercise to stay suitably warm and healthy during this rainy season-

Warm up A basic warm up is important. A good warm up that includes brisk walking or a light jog not only suits to the people from all age groups but it also elevates the heart rate and makes it easy for the muscles to stretch. So, make sure that you do the basic warm-up prior to any intense physical activity. Stretch your body slowly and steadily after warming up the body. Stretching adds lots of flexibility to the body.

Mind your Workout Mind plays a very important role in motivating how long you do your work out. Especially, while it’s pouring cats and dogs outside, you need to be more motivated in order to exercise regularly. Try exercising more indoors. Learn new things like Yoga, dance or Martial Arts. Start your day with a group exercise or hit a local gym or a health club with a buddy. If you want someone to peculiarly take care of your exercising regime then it is advisable that you hire a personal trainer. Exercising with aerobics videos can be good fun. Indoor Cycling is also a good option to get a moderate workout done. Get rid of the monotonous exercise regimes and try something new this monsoon. This takes care of your mental health along with your physical health.

Make it enjoyable Exercising, be it indoors or outdoors, should be comfortable and playful. You have many options to make your work out regime enjoyable. Creating a home gym is easy and inexpensive. Buy a set of dumbbells, an exercising ball or a jump rope. Walking up and down stairs for around 20 minutes also provides an efficient workout. If you don’t have stairs, try a wooden box. Purchase cardio equipments that suit your fitness level, interest and budget. Find indoor swimming pools that have hot water and do some water workouts. A brisk walk in the mall or lots of window shopping is smart ways to get some exercise when the atmosphere is bright and fresh. Make sure you eat healthy foods while your exercise plans are taking shape.

This way you can maintain fitness throughout the season. So, try to get active with a dedicated exercise plan to stay healthy this monsoon!

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Healthy weight Loss in a Natural Way

Managing your weight can be simple and inexpensive. Pick-up some healthy foods from your own kitchen and consume them in right proportion. Daily intake of these natural foods will help you to maintain your health and make you feel better. Knocking out extra kilos always helps to keep the body active and healthy.

Pasta can be a good option if topped with veggies and tomato sauce; it is low in calories.

Mint can help you lose weight. Include mint tea or mint chutney in you daily meal. It helps in number of ways to have good and safe health.

Carrot is another vegetable that helps you to control your weight. Sip carrot juice once in a day to cut off some kilos.

Cabbage, raw or cooked prevents conversion of carbohydrates and sugar into fats and aids in weight reduction.

Honey works like a magic on obesity. The extra deposited fats in the body get mobilized and are used to sustain energy. Honey and lime-juice is good combination as lemon helps to improve appetite and it proves like a credible treatment for obesity related problems.

Fenugreek seeds combat against heavy fats and help improving digestion process. Fenugreek is also beneficial for those who suffer from heart problems.

Just like fenugreek, Alove vera juice is good for weight management. Aloe vera also shows wonderful effects on you skin.

Use skimmed milk or low-fat dairy products to prepare your breakfast. Avoid cheese, cottage that is packed with saturated fats and calories.

Replace your regular tea with Green tea and see the difference. Green tea helps burning fats and improves digestion.

These are some great natural health foods that help you control your weight. But you should not forget to eat your meals on time. Taking regular sleep for at least 6 hours is necessary. Avoid oversleeping and being lethargic. Adopt a good lifestyle that gives equal importance to diet and exercise. This way you can manage your health in a natural way than taking those pills for weight reduction. Live healthy and live full.

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5 Tips to get a Renewed Health this year

Being in good health is essential to maintain the quality of life. World Health Organization (WHO) celebrates the World Health Day every year on 7th of April to ensure a better health for people across the globe. The theme of World Health Day 2009 is to focus on the safety of health facilities and the readiness of health workers who treat those affected by emergencies. (Source: www.who.int/)

Many of us may or may not be affected by such emergencies but we can certainly be a part of this mission by creating a healthy environment. See how some simple health and wellness tips can help you achieve sound health at least for yourself: Following factors are in your control and implementing them will certainly bring you good healthy living:

Well-balanced diet: A balanced diet means eating the right amount and right type of health food. Consuming appropriate portions of variety of nutritious foods nurture your body and keep you active. A well-balanced diet consists of food groups that provide sufficient carbohydrates, proteins, vitamins and minerals to your body. These are essential sources of energy, fiber, strength and stamina. Eating healthy food in a right way also makes you feel good about yourself as your emotional well-being is dependent on it.

Regular Exercise: It is important to add movement to your life for healthy living. Regular exercise brings multiple benefits that improve your body and mind. If you have hectic lifestyle, try doing small activities like taking steps instead of elevators, opting for longer routes to your desk, parking further so you walk between the car and the stores, playing with kids, swimming on free days, joining a dance or aerobics class. Simply getting an exercise buddy can also help you a lot in order to be fit and live healthy life. So, keep moving.

De-stressing: Timely and adequate sleep is essential and works as stress buster for natural health. Resting and relaxing are key ‘activities’ that help you manage stress in a better way. Allow yourself to the-stress at least once a day. Listen to music, plant trees, read a book or just sit at a comfortable place and breathe in deeply. Stress management is not very difficult if you’re eating balanced meals and exercising regularly. But if it’s still overpowering you then ensure that you take additional steps to combat stress.

Adopting new healthy habits: Instead of changing a bad habit, adopt a new habit. If you’re leaving home without having breakfast, it’s a time to adopt a habit of ensuring that you have breakfast before leaving home. Research has shown that people, who eat breakfast, tend to take in more vitamins and minerals and less of fat and cholesterol. Quitting to smoke or moderating consumption of Alcohol are difficult habits to change but not impossible. Smoking doesn’t induce any benefits and damages your health in many ways. If you carefully choose your drinks then they might help you to a certain extent for better health. Prefer making your own cocktails. Also, avoid drinking creamy liqueurs after dinner as they contain huge amount of calories.

Positive Attitude: This is common yet very important. Your attitude towards looking at life alone can change many things. Thinking positive keeps your mind and body active. Find a way to bring joy into your life by pursuing some hobby, be creative, pamper yourself with a massage treatment, get a pet, believe in sharing, make friends, help your neighbors or simply write a blog every week. A lot can be done if you think positive you can… because when you think you can, you will..!

Ensure yourself a better health this year to live longer… Happier..!

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Why Family Health Insurance Plans are important?

Health is our most valuable asset and health of our family members is even more precious. Expenses on health care have seen a steady increase in recent years as we and our families are looking for a lifestyle change. Consequently, health insurance and family health plans have gained immense importance. Now, we are not only choosing health insurance for ourselves, but also for our family members. In India, many of us prefer to purchase a family health insurance to avoid financial risk and ensure medical care for the future.

The family health insurance plans are important because:

1. They provide wider cover than any other health insurance purchased for an individual.
2. Expanded cover gives you more value in return of the premium paid by you.
3. The coverage is shared amongst the members of your family, hence your entire family gets protection under a single plan.
4. Major medical treatments and hospitalization expenses are covered under a single family policy.
5. Additional benefits like Cashless claim facility, tax saving under section 80D of the Income Tax Act, 1961 are availed to you.
6. The family policy also covers the expense of your preventive health tests and offers you discounted coupons per family plan.

Family Health Insurance induces greater benefits as we do not have to bear a large portion of the amount from our own pocket. Most of the costs are directly managed by Third Party Administrator (TPA).

Health of our family members is always a matter of concern for all of us. The best way to deal with this concern is to opt for a family health plan. These days, the health insurance covers for your family members can be purchased online. It is a convenient process with no paperwork involved and an instant policy is generated. Having a policy online helps you to print, manage and renew it anytime, anywhere. This way, you can provide perfect protection to the health of your loved ones.
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Make a sound investment for your family: Opt for Family Health Insurance

Health of our family members is a topmost priority for us. We and our families are exposed to various hazards that can damage not just our physical health, but also our finances. Investing in a family health insurance is the most prudent step you can take to protect at least general health of your loved ones. A Mediclaim or an Health Insurance provides monetary protection in case of unforeseen situations and gives you a peace of mind. Health insurance for your family members comes with a variety of benefits to ensure your family’s well being if your major concern is availing of a quality family plan then you should consider comprehensive plans offered by some of the leading yet reliable insurance companies in India. Let's look at some standard benefits offered in a basic family policy.

• A family health insurance plan covers you and your family members against sudden medical contingency.
• The policy lists a package of medical benefits such as medical tests, drugs and treatment services. The insurance company charges you a Premium (usually on a yearly basis) to cover you against the risks.
• The insurance company agrees to cover the cost of certain benefits listed in your policy. Sometimes, it covers not only the expenses incurred during hospitalization but also the pre and post-hospitalization expenses.
• The family policy also covers the expense of your preventive health tests.
• In addition to this,you get a tax benefit and can save on your income tax under section 80D of the Income Tax Policy (in India)
• Medical requirements of each of your family members are covered and that also in easy premiums.

Apart from covering costs on illness and surgeries, the family health insurance includes coverage for emergencies arising out of acts of terrorism. Cashless facility comes to you across the network hospitals listed on your health insurance company's coverage list. Plus, the family plan offers you a 2-year continuous coverage with no change in premium in the second year. Also, there are some additional benefits when you buy your policy online. It is a convenient process with no paperwork involved and an instant policy is generated. Having a policy online helps you to print, manage and renew it anytime, anywhere. This way, you can save your family’s future by making a sound investment.
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Medical Coverage - Benefits of Insurance Medical Care

We often get a very little time from our busy schedules to take care of our health. Worries, anxieties, meeting deadlines and working round the day affects health in many ways. We realize the importance of health only when a disease starts affecting some part of our body; hampering the overall health. In such cases, having sufficient health insurance or medical insurance prove to be of great advantage.

Health insurance induces many medical benefits for your absolute well-being. The medical cover of the health insurance or medical insurance policy benefits includes the medical charges in case you have sustained injuries or contracted any disease. In case of a serious injury or disease, you need medical treatment recommended by a medical practitioner. Hence, health insurance, in such times, provides maximum coverage and security.

Medical insurance and cheap medical health insurance covers costs of blood, oxygen, Operation Theater, appliances, anesthesia, X-rays, dialysis, chemotherapy, medicines and drugs, pacemaker, accident insurance, medical insurance, artificial limbs and cost of organs. Those who offer standard Medical health insurance benefits, also provide cashless facility at a variety of hospitals. In this case, those who have tied up with the insurer can enjoy this cashless facility, they do not have to bear a large portion of the amount from their own pocket, because it's directly managed by the Third Party Administrator (TPA).

Health insurance plans including cheap insurance plans and other benefits like health care management and medical care also feature as a part of the medical cover for pre-hospitalization (30 days) and post-hospitalization (till 60 or 90 days after release) costs. However, it only covers the disease or accident, for which you were hospitalized. The medical health insurance cover also includes the amount spent for an organ transplant. However, these are payable by the health insurance policy within limits.

Some of the leading private players are taking initiative in health care management and cheap insurance plans. They have started providing medical care, medical benefits, cheap health insurance plans, accident insurance and dental insurances. Medical and Health Insurance in India covers Individual Medical Insurance, Group Medical Insurance and Overseas Medical Insurance. The Medical Insurance cover includes hospitalization charges and repayment of the amount spent in case of diseases or surgeries.

Under a single Health Insurance policy you get dental insurance done. You can compare medical insurance plans and choose the one that is cheap. The private players cover dental treatment, injuries and emergency. Find out a cheap dental insurance policy to cover your treatment costs. Several insurance companies cover accident insurance for both individuals and families. NRI Accident Insurance and Personal Accident Insurance are some of the most popular accident insurance plans on offer. This way you can make a smarter choice with all the innovative plans that are offered and live with peace of mind.
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How to Get Health Insurance Coverage for a family

A Family Health insurance offers you medical coverage and various health care benefits in case of unforeseen circumstances. The family health insurance and coverage takes into account the entire health care expenses and long-term nursing or custodial care requirements. To ensure the security of your family, it is imperative that you choose the right health insurance coverage.

Whether you are looking for family health insurance coverage or group health insurance coverage, opt for policies that provide optimum health care benefits at affordable premiums. The health care premium plays an important role while deciding on a health insurance. But always give importance to health insurance benefits and coverage.

The leading health insurance companies today offer group health insurance and family health insurance coverage with affordable premiums. With increasing heath care costs and greater awareness, people are now buying health insurance like never before. To make the most of this huge scope, the insurance companies are concocting various innovative health insurance plans, such as the floater concept and optimum tax saving plans.

The floater insurance is ideal for family's health care needs. It covers the entire family under one insurance policy and one premium. The benefits/ coverage are shared by all the members of the family.

With so many plans in the market, it is important you choose the one that suits you the best wisely. Compare the rates and premiums at which these insurance policies are offered. Also compare the coverage and benefits included. Choose the health insurance plan that satisfies all your health care needs at the best premium. Also check for other benefits, offers or discounts available along with the health insurance plans. These may include free health check up or easy payment facilities.

Apart from affordable premiums, most of the health insurance companies offer a family health insurance plan on a cashless basis. Under cashless settlement of claims, the insurance company pays off the health care institute or hospital directly. Thus, you get the benefit of handling your finances and saving better. The insurance companies offer a range of insurance policies that differ in their extent of coverage. The premium also varies accordingly.

A basic family health insurance coverage includes costs of medical care and treatment of ailments and accidents that need hospitalization. Some insurance companies also offer critical illness coverage. Family health insurance plans also include benefits of tax exemption as stated under Section 80D of the Income Tax Act.
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