Latest news with #ShilpaArora
NDTV
2 days ago
- Health
- NDTV
7 Summer Fruits That Diabetics Can Safely Enjoy
As temperatures soar, so does our craving for juicy, refreshing fruits. But for people with diabetes, the sweet world of fruits often comes with caution. While many fruits contain natural sugars, not all of them are off-limits. In fact, several summer-special fruits offer hydration, fibre, and antioxidants without causing blood sugar spikes-if eaten in moderation. Nutritionist Shilpa Arora explains that diabetics need to be careful with fruit choices. She suggests going for fruits with a low glycaemic index and high fibre content. Here's a list of diabetic-friendly summer fruits that check all the right boxes. Here Are 7 Summer Fruits For Diabetes Diet 1. Jamun (Indian Blackberry) Jamun is a classic Indian summer fruit that's a favourite among diabetics. With a glycaemic index of just 25 and rich in compounds like jamboline, jamun helps convert starch into energy, potentially regulating blood sugar levels. Its seed powder is also used in Ayurvedic formulations for managing diabetes. Here's how to add jamun to a diabetes diet. 2. Guava Crunchy and mildly sweet, guavas are low in calories and rich in dietary fibre, making them ideal for blood sugar management. The vitamin C content also helps reduce oxidative stress, which is higher in diabetics. Prefer the fruit whole rather than in juice form to retain the fibre. 3. Papaya This tropical fruit is not only light on the stomach but also low on the glycaemic scale. It contains antioxidants like flavonoids that may improve insulin sensitivity. A small bowl of ripe papaya can help satisfy your sweet cravings without guilt. 4. Watermelon (In Moderation) Yes, diabetics can eat watermelon but in small amounts. While it's high in sugar, it's also about 90% water, which helps with hydration. Pairing it with protein or fat (like a handful of nuts) can help stabilise blood sugar levels. 5. Plums Plums are a juicy summer treat that offers fibre and antioxidants. Their glycaemic load is low when eaten in moderation. Plus, the skin contains polyphenols that may support better insulin response. 6. Peaches Fresh peaches are a fragrant, nutrient-rich option with vitamin A, C, and potassium. Go for whole fruit rather than canned versions in syrup. They're hydrating and help boost immunity while being kind to your sugar levels. 7. Apples (Yes, They're in Season Too) Though not exclusive to summer, apples are available year-round and are a safe choice. Their soluble fibre (pectin) helps slow down sugar absorption and keeps you full for longer. Fruits should be an integral part of our diets. Pro Diet Tips for Diabetics: Portion control is key: Even low-GI fruits can raise blood sugar if eaten in excess. Pair with protein or healthy fats: This helps in reducing post-meal glucose spikes. Avoid fruit juices: Juices lack fibre and cause rapid sugar spikes. Eat fruits in between meals: Not immediately after a big, carb-heavy meal. Summer fruits don't have to be off the table for diabetics. With the right choices and mindful portions, you can enjoy seasonal flavours without compromising your health. As Nutritionist Shilpa Arora advises, "Choose fruits that are high in fibre and water, and enjoy them fresh and whole."
Mint
15-05-2025
- Business
- Mint
Can you hold multiple life insurance policies?
My friend passed away in an accident in January. He had multiple life insurance policies. While a few insurers have honoured the claims, one recently purchased policy has been rejected on the grounds that the earlier policies were not disclosed in the proposal form. Is this a valid reason for claim rejection under Irdai rules? - Name withheld on request I'm sorry to hear about your friend's tragic passing and the difficulties his family is facing with the claim rejection. Let's look at this from an insurance regulatory and underwriting perspective. When someone applies for a life insurance policy, they enter into a contract based on the principle of utmost good faith, which requires full disclosure of all material facts. This includes details of any existing or recently lapsed life insurance policies. Why is this disclosure crucial? Insurers assess the total life cover a person is eligible for using the Human Life Value (HLV) formula, which factors in age, income, liabilities, and existing cover. For instance, if the HLV is ₹ 2 crore and the individual already has policies totalling ₹ 1.5 crore, the insurer may only offer an additional ₹ 50 lakh. Failure to disclose existing policies can distort this assessment and result in over-insurance, increasing the insurer's risk exposure. In such cases, if the insurer discovers the non-disclosure after a claim is filed, it may consider it a material non-disclosure, even if the cause of death is unrelated. This is especially significant if the policy is less than three years old. Section 45 of the Insurance Act, 1938, offers some protection after three years of policy issuance. However, since your friend's policy was issued less than three years before his death, the insurer has the right to investigate and potentially reject the claim if misrepresentation or non-disclosure is established. That said, you can appeal the decision if the non-disclosure was unintentional. For example, if the proposer was unaware of the requirement or if it was an oversight by the insurance advisor. File a detailed representation with the insurer's grievance redressal cell, explaining the circumstances and justifying the total HLV. Providing income proof and other financial documents can strengthen the case. Life insurance is a commitment to safeguard a family's financial future. Complete disclosure, including all existing policies, health conditions, and habits, is vital to avoid complications later. Better to be transparent upfront than to face rejections at the worst possible time. Shilpa Arora is co-founder & COO of Insurance Samadhan.
