Acne - Causes, Symptoms, Health Insurance Coverage

​What Is Acne?

Acne is most common in teenagers. It is a skin condition that causes redness and irritation on the surface of the skin. This chronic inflammatory skin condition erupts on the chest, face, or back.

Symptoms

Signs and symptoms of acne depend on the severity of the patient's condition. The patient might face the following symptoms, in case of severe, long-lasting acne.

• Blackheads that are open plugged pores
• Whiteheads that are closed plugged pores
• Small tender, red bumps
• Large, painful, and solid lumps under the surface of the skin
• Pimples are more common, as they have pus at their tips
• Pus-filled, painful, lump under the surface of the skin, also known as cystic lesions

If you are suffering from any of the symptoms mentioned above, you should consult your doctor before this acne becomes more severe and painful. 

​Diagnosis

You at home can diagnose acne by yourself. However, it is advisable to go to the skin doctor or dermatologist for better diagnosis through a physical examination. When you consult your dermatologist, he/she may ask you information regarding your breakouts, questions like when these acnes occurred, and how long you've had them. Your dermatologist may also need to know about your medical history, so that they can figure out whether or not, your current medication is causing or aggravating acne.

Your doctor may also want you to go through a blood test so that they can see whether an imbalance in your hormone levels are causing acne or not. Depending on the severity of your acne, your dermatologist will make a treatment plan accordingly.

Treatment

• You can easily find medications to reduce acne, however, you should only take what your dermatologist prescribes. They might prescribe you retinoids, which are vitamin A tablets and antibiotics that will help to kill skin bacteria and reduce infection.
• Your doctor may also ask you to use oral medications to treat and prevent acne from happening.
• Recent studies have shown that therapies like chemical peels, light therapy, and steroidal injections are highly beneficial in treating acne.
• Reduce your outing when the sun is at its peak. Even if you go, make sure you apply sunscreen before you go out, as direct sunlight can adversely affect your skin.
• Lessen the usage of cosmetics on your skin. Only buy cosmetics after reading the composition.
• Also, reduce skin scrubbing as it increases itching and dryness on the skin.
• Moderate your consumption of oily foods.
• Make sure you drink at least 7-8 glasses of water, as staying hydrated will keep your skin hydrated.
  
  

​Health Insurance

Acne is more common in teenagers, but its pain can be very severe. So, getting the right treatment at the right time is highly important. Suffering from health issues is not only physically taxing but can also drain you financially. Therefore, it is advised to buy health insurance policy which will provide financial coverage that can take care of medical expenses and hospitalization bills. It takes care of pre and post hospitalization bills. If you buy health insurance, you will not only get the cashless treatment from a network hospital where the bill is directly settled by your insurance provider with the hospital but will also enjoy tax benefits under section 80D of Income Tax Act, 1961. Make sure to know your policy details and covers before purchasing a health insurance policy.​

FAQs About Acne - Causes, Symptoms, Health Insurance Coverage

• What is the current GST rate on health insurance premiums?

  During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.

• How does the GST exemption impact my health insurance premium?

  With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025.

  Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300

• Will my existing health insurance policy benefit from the GST exemption?

  Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.

• Do I need to pay GST on health insurance purchased before September 22, 2025?

  Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.

• What does the new GST regulation effective 22nd September mean for Health Insurance premiums?

  Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
  

  What this means for you:
  Lower Premiums: You'll now pay only the base premium-no GST added.

• Will my Health Infinity renewal premium reduce after the GST removal?

  Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.

• Does the GST regulation apply to both new purchases and renewals of Health Insurance?

  Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.

• Does the GST change impact Health Gain, Health Infinity, Super Top-Up, and Hospi Care plans equally?

  Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.

• I renewed my health policy before 22nd September with GST - am I eligible for adjustment?

  If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.

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