You must be aware of the significance of a health insurance policy, which can not only provide you financial support in a time of need but also ensure that you remain stress free during any medical emergency. A family health insurance plan offers your family the same support along with you. You can purchase a family medical insurance policy and make sure that your family as well as you are armoured to deal with any medical eventuality.
Family health insurance is an excellent financial-aid device that gives you and your family a safety net to fall onto. In addition to this, a family health insurance plan offers you various benefits such as no-claim bonus, flexibility of cashless and reimbursement claims, and free health check-ups for all the beneficiaries of the policy. Such advantages of family health insurance make it a lucrative choice for many.
In a medical emergency, a family health insurance can provide you with the necessary financial aid when a member of your family requires medical attention. Some of the advantages of having a family health insurance are presented here.
As specified earlier, family health insurance provides coverage for all the members of your family. With this policy, you can get cover for your spouse, your dependent children, your dependent parents, and your dependent parents-in-laws, along with coverage for yourself.
A family health insurance policy gives you the flexibility to add a new member to your plan. In case that you welcome a newborn in your family, you can easily add the baby to your family insurance policy, depending on the terms and conditions of your plan. To add a new member to the policy, you only have to inform the insurance company about it and pay an increased premium. The baby or new family member can be easily added even in the middle of a policy term.
For most family health insurance plans, the premium rates are lower than those for an individual health insurance plan. Thus, you can save considerable amount by investing in family health insurance instead of buying individual medical insurance plans for all members of your family.
The overall sum insured for a family health insurance plan can be utilised by a single member of the family if required, which ensures that your loved one gets the best possible medical assistance in a time of need. Moreover, each family member has access to the sum insured and can avail the benefit of high coverage, depending on the terms and conditions of your policy.
Some family insurance plans offer you and your family members a free check-up every 2 to 4 years, depending on the terms and conditions of your policy. These health check-ups can provide a detailed understanding of your and your family’s health, thereby making you aware of a hidden or new medical condition, which can lead you to seek an early medical intervention.
Some health insurance policies offer a reward to the beneficiary as an annual bonus; this bonus is rewarded for the year the beneficiary doesn’t raise a claim. This reward is termed as no-claim bonus. Some family insurance plans also offer no-claim bonus.
Family insurance provides you with the facility of a cashless claim along with the reimbursement claim option. Insurance companies have tie-ups with a network of hospitals. In these hospitals, you can avail treatment without paying anything. At times, you may be expected to pay a very small fee to avail this facility. Cashless claims allow you and your family members to get optimal medical care without the burden of arranging the amount to pay the medical bills. With a cashless claim, your insurance company settles the claim directly with your hospital.
Under Section 80D, you can get tax benefits on the premiums paid for the family insurance plan. With family insurance, you can avail ₹25,000 in tax deduction; this amount can increase up to ₹50,000 if you or one of your dependent parent is a senior citizen.
Worrying about your lover ones’ well-being or seeking out ways to secure them both physically and financially is natural. You and your family can make small modifications to your diet and lifestyle to lead a healthy lives. Although this approach can help you and your family be fit and active, it may not be able to secure you against some medical events. For this reason, you require a family health insurance policy.
This policy ensures that your and your loved ones’ future is secured against any kind of medical emergency. Family health insurance allows you to seek out proper medical care for yourself and your family without worrying about the expenses.
A family health insurance policy or plan is a tool that offers you and your family coverage against various medical conditions in exchange for an annual or monthly fee termed as premium.
Is family health insurance cheaper than individual insurance?Yes. Most family health insurance plans are cheaper than individual health insurance plans. If you are an individual with dependent parents and/or spouse, you can opt for family insurance instead of an individual insurance plan so as to secure your and your loved ones’ future against medical anomalies.
Can I buy health insurance for my family?Yes, you can buy a health insurance policy for your family. You can add your spouse, dependent children, as well as dependent parents and parents-in-laws to this policy as members. This allows your entire family to avail the benefits of the policy at a low cost of premiums.
How much health insurance do I need for my family?The sum insured for your family insurance must be an equivalent of half of your family income. This amount allows you to remain worry free about any financial burden that may be experienced during a medical urgency.
What are the benefits of a family health insurance?A family health insurance policy offers you numerous benefits, such as facility of cashless claim, coverage for your entire family, low premium rates, and tax deduction, while ensuring that you and your family are secured against any future medical event.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.12 Winter Skin Care Routine
Winter can be a challenging season for your skin. Cold temperatures and low humidity can leave your skin feeling parched and vulnerable to various issues such as dryness, flakiness, redness, and increased sensitivity. If you already have dry skin, these issues can aggravate, resulting in rough areas and an uncomfortable, tight feeling. To counteract these typical winter skin concerns, it is important to stick to a winter skin care routine. This page discusses some amazing winter skincare routines that address a variety of issues, especially winter skincare for dry skin. Learn how to keep your skin healthy, hydrated, and radiant during the winter.
Due to the cold and dry weather, certain skin disorders might worsen during the winter months. Here are some common skin problems:
Since lips have thin skin, they might dry out and crack in the winter. Many people lick their lips or peel away the dry portions, but this can aggravate the condition.
Rosacea causes your cheeks and eyes to become red and flushed. When it acts up, it can last for weeks or months. It can hurt your skin and eyes if you don't take care of it. Cold weather might exacerbate symptoms for many people.
Keratosis pilaris is often known as ‘chicken skin’. It occurs when you get little, painless pimples that are either reddish or the same colour as your skin. They are more visible when your skin is dry, as they occur in the winter.
Eczema is a skin condition that causes red, itchy rashes. People of all ages, including babies and older folks, can get it.
Psoriasis is yet another skin condition. It causes your skin to become thick and scaly, with red spots. Winter, with its dry air, can aggravate psoriasis.
In the winter, your skin can get extremely dry and irritated. But don't worry, there are some simple tips for skincare for winter months you can do to protect your skin during the colder months:
1. Use a thick moisturiserYour summer moisturisers may not be adequate for the winter. Switch to a thick, cream-based moisturiser instead for the winter months. It will help to calm your skin and protect it from becoming red and irritated.
2. Be gentle with your face washIf your face feels dry and tight after washing, your face wash is probably too harsh. Try a milder, hydrating cleanser with a balanced pH. It will clean your skin without leaving it all dry.
3. Pamper your hands and feetYour hands and feet don't have as many oil glands as the rest of your body; they can get extremely dry and cracked in the winter. Apply moisturiser before heading outside. Choose petroleum jelly or glycerine-based creams or lotions for your feet. You can even exfoliate your feet occasionally to aid in better absorption of the moisturiser.
4. Sunscreen is a mustEven in the dead of winter, the wind, snow, and rain may be harsh on your skin. Wear gloves and a hat, and remember to apply sunscreen. Although the sun may not seem as hot, UV radiation can still cause skin damage. For the best protection, choose a sunscreen that has titanium dioxide or zinc oxide.
5. Stay hydrated and eat wellDrinking plenty of water and eating nutritious food can help keep your skin looking healthy. Foods high in vitamins A, C, and E can be beneficial to the skin. They can help keep the skin in good condition. You can also hydrate your body by eating salads, soups, milk, and juices, which provide essential nutrients for healthy skin.
6. Get a humidifierWhen the indoor heating is on, the air inside can get quite dry. A humidifier provides moisture to the air, which can help prevent dry skin. Consider purchasing a humidifier for your home.
7. Wear comfy clothesTight clothing can aggravate dry skin, especially in cold weather. Wear loose, comfortable clothing. Soft and natural textiles are a good choice. Just ensure that your clothing isn't too tight, so your skin can breathe.
8. Don't overdo the scrubbingExfoliating your skin can be beneficial, but don't overdo it. Twice a week can be sufficient. Massage your skin in small circles to help increase blood flow. Your skin will appear healthy and bright. However, don't scrub too hard, or you will hurt your skin's protective barrier.
9. Avoid taking hot showersHot water may strip away your skin's natural oils. To avoid excessive dryness, take mild showers that are only a few minutes long.
10. Protective lip balmDon't forget about your lips. To avoid chapping and keep your lips supple and protected, use a nourishing lip balm with SPF.
11. Consider a serum boostAnother winter skincare essential is including a moisturising serum in your routine. Serums high in hyaluronic acid and antioxidants can provide your skin with an extra layer of protection and moisture.
12. Stay activeDuring chilly winter mornings, it can be tough to get up from your cosy bed. However, your skin can benefit from physical activity. Exercise can raise your heart rate, allowing more blood to reach your skin and important organs.
A winter skincare routine has multiple benefits for the health and appearance of your skin. During the winter, your skin faces a number of challenges, including dryness, irritation, and even damage from extreme weather conditions. Implementing a winter skin care routine will help you address these issues while also providing the following benefits:
A healthy skincare routine can also help to prevent skin issues such as eczema and dry patches, which are common in the winter. Regular moisturising and exfoliation can help keep these problems at bay.
The dryness of the winter air can leave your skin parched. A good skin care routine ensures that your skin receives the moisture it requires to stay hydrated, preventing dryness, irritation, and flakiness.
Winter's harsh conditions, such as cold winds and low temperatures, can damage your skin's natural barrier. To protect your skin from the elements, a winter skincare routine often involves protective products such as thick moisturisers and sunscreen.
Many winter skin care products contain important nutrients and vitamins that nourish your skin and keep it healthy and radiant. Vitamins E, A, and C, as well as antioxidants, can help repair your skin.
Following winter skincare tips, which include moisturising, gentle cleaning, and protective clothing, is essential for preserving healthy, glowing skin during the cold season, offering protection from the harsh winter elements, and promoting overall well-being. Similarly, having health insurance can protect you by providing financial support for medical care during medical emergencies. With a health insurance plan in place, you not only protect your health but also have the added benefit of potentially managing lower health insurance premium costs. So, to secure a holistic approach to your winter well-being, invest in both a winter skincare routine and reliable health insurance.
To keep your skin healthy during the cold season, the best winter skin care routine includes moisturising, gentle washing, safeguarding your hands and feet, applying sunscreen, staying hydrated, using a humidifier, wearing loose clothing, and avoiding excessive exfoliating.
Why is it necessary to take care of your skin in the winter?Long periods of exposure to chilly weather can cause your skin to become dry and flaky. A winter skincare routine is required to deal with dry skin throughout the cold season.
What should we apply to our skin in the winter?Changing weather can affect your skin, so it is critical to modify your skincare routine. To nurture your skin, use thick moisturisers without harmful chemicals and don't forget to use sunscreen.
What winter skincare essentials are ideal for winter?The best skincare products for winter are the ones that work well for your skin. Choose gentle products that do not include harsh ingredients.
What are the benefits of a humidifier for winter skincare?A humidifier adds moisture to the dry indoor air, preventing your skin from drying out.
Is sunscreen required in the winter?Yes, UV radiation can cause skin damage even in the winter; therefore, wearing sunscreen every day is vital.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.6 foods to avoid winter illness and stay healthy
Winter pollution and cold can disrupt your routine, raise stress and lead to overeating and weakened immunity. We recommend a balanced diet with enough protein to curb hunger pangs, and extra sleep to reduce stress.
Oats & Honey
Oats are a filling budget food to boost energy. They are high in immunity-boosting zinc and fibre to stabilize blood sugar. Honey’s antioxidants also boost immunity, and its anti-microbial properties kill bacteria & soothe sore throats.
Pomegranates
Pomegranate juice is rich in vitamin B and antioxidants, which curbs harmful cholesterol that leads to plaque build-up in the arteries. Its seeds can reduce chances of cancer, heart disease and high blood pressure.
Citrus Fruits
Citrus fruits contain vitamin C which boosts immunity (one orange contains a day’s worth). Their potassium helps maintain electrolyte balance. They are also high in fibre, which controls blood sugar and cholesterol.
Sweet Potatoes
A popular winter food, sweet potatoes are loaded with vitamins A and C. They contain antioxidants that reduce cell damage in the body, while their high fibre content helps stabilize blood sugar levels.
Dark Greens
Dark leafy vegetables are low in calories and rich in beta-carotene and vitamin C – both powerful antioxidants that help fight infections & build immunity. Cold weather even reduces their bitterness, making them tastier.
Carrots
Carrots are loaded with vitamin C and antioxidants. They also contain beta-carotene, which turns to vitamin A in the body, boosting immunity and enabling healthier eyes, skin & mucus membranes.
Which Spices?
Mustard and ajwain are a great flu remedy, stimulating digestion and increasing blood circulation. Methi soothes bone and joint problems that crop up in winter, while fresh turmeric is a great anti-microbial immunity booster.
6 Natural Ingredients for Soft Skin in Winter
As winter approaches, it is essential to take extra care of your skin to keep it nourished and soft. Low humidity, chilly winds, and indoor heating may all make your skin feel dry and uncomfortable. Instead of relying on chemical-laden commercial skincare products, try turning to nature's alternatives.
Nature provides a wealth of powerful and moisturising elements that can do wonders for your skin. This page explores six natural ingredients that might help you obtain soft, nourished skin during the winter months. These DIY winter skincare ingredients not only are inexpensive but also are free of harmful chemicals, making them a safe choice for your cold-weather skincare routine.
As winter comes, many people experience dry, flaky skin as a result of cold temperatures and harsh winds. Fortunately, there are a number of natural ingredients that can keep your skin soft and supple during the cold months. Here are six essential ingredients for your nourished skin care in cold weather:
1. Aloe veraAloe vera, a common houseplant, is one of the perfect hydrating natural ingredients for winter skin. It contains an abundance of vitamins C and E as well as beta-carotene and skin-beneficial enzymes, which not only make your skin healthier but can also protect it from environmental damage. The gel keeps your skin moisturised but not oily, so it's great for people with oily skin. Aloe vera gel, whether used on its own or combined with other ingredients for face masks, can be good for dehydrated or dry skin, which is quite common in the winter.
2. Natural buttersIn the winter, we bundle up in thick garments to stay cosy, and just like that, our skin needs some extra care too. Body lotions containing natural butters such as almond, cocoa, moringa, and mango can provide an additional dose of hydration for your skin. This will leave your skin feeling extremely supple, soft, and nourished.
3. TurmericYou are certainly aware of the fact that turmeric is beneficial to your skin, but did you know it can be especially beneficial in the winter? Turmeric, with its anti-inflammatory and antioxidant qualities, can keep your skin clear, cleanse your skin, and stop those winter breakouts throughout this season. You can use turmeric in homemade face masks or even add it to your food, like milk, for overall health and beautiful skin.
4. HoneyHoney, a common ingredient in Indian kitchens, has more than one purpose. It's also an excellent natural moisturiser. Surprisingly, it can not only keep your skin hydrated but also smooth out those wrinkles. You can create a basic honey mask by putting a thin layer of honey on your face, keeping it on for about 20 minutes, and then rinsing it off. This will aid in moisture retention and keep your skin soft and supple.
5. Coconut oilCoconut oil is a multipurpose natural ingredient that can be used as a moisturiser. While it might be a bit challenging for oily skin in the summer, it's an excellent choice for keeping your skin hydrated during the winter. Its fatty acids are fantastic for moisturising dry skin. Just apply a small amount of coconut oil to your face and body; it creates a protective shield against harsh weather, leaving your skin smooth and soft.
6. BananasBanana, a common and easy-to-find fruit, is one of the great natural ingredients for soft skin in winter. It can firm up your skin, smooth it out, and give it a clean, fresh feeling. All you have to do is mash some bananas, mix them with egg white or honey, apply it to your skin for 15 minutes, and then wash it off with water. This mask will leave your skin supple, soft, and luminous.
The benefits of using natural ingredients for soft skin in the winter are numerous. These ingredients are frequently free of hazardous chemicals and additives, making them gentler on your skin. They are also inexpensive and easily accessible. Natural ingredients also offer:
While natural components are generally healthy for your skin, proper application is essential. Here are some tips for using natural ingredients safely:
Maintaining soft and healthy skin is essential during the winter months, and natural ingredients are an excellent approach to achieving this. However, protecting your general well-being is just as important. This is where a health insurance policy comes in. SBI General Insurance provides health insurance products tailored to your specific needs. You can determine the ideal coverage with the Health Insurance Plan Calculator. So, keep your skin and health safe this winter and beyond.
Yes, there are many natural ingredients that are gentle and good for sensitive skin. However, you should perform a patch test to ensure that you do not have any adverse reactions.
How frequently should I use these natural ingredients to get the best results?Consistency is key. Depending on your needs, incorporate these ingredients into your daily or weekly skincare routine.
Can I combine multiple natural ingredients to create a skincare treatment?Yes, you can mix and match these ingredients based on your skin's specific needs. For example, you may make a mask out of honey and bananas.
What are the advantages of utilising natural components in winter skincare over commercial products?Natural ingredients are frequently gentle on the skin and may be free from harmful chemicals. They can effectively hydrate and nourish the skin, resulting in soft, healthy skin.
Are there any risks associated with using natural ingredients on the skin?While natural ingredients are typically safe, some people may be allergic or sensitive to them. It is advisable to perform a patch test, and if you have specific skin concerns, consult a dermatologist.
Do natural ingredients suit all skin types in the winter?Natural ingredients are often mild and appropriate for all skin types. However, a patch test is required to determine that they are suitable for your skin type.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.