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ADHD and Hyperactivity - Causes, Symptoms, Health Insurance Coverage

Name: Health Insurance for ADHD and Hyperactivity
Brand: Reliance General Insurance
Rating: 4.2 (158 reviews)

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What Is ADHD?

ADHD or Attention deficit hyperactivity disorder is a disorder of the brain that affects sit still, how you pay attention, and control your behavior. This disease starts in childhood and can continue into adulthood. Basically, this disease is referred to as a mental disorder in children. This type of disease is more common in boys than in girls.

ADHD is a mental disorder in children. Boys are more likely to have it than girls. It’s usually spotted during the early school years when a child begins to have problems paying attention. There is no cure for this disease but diagnosing it at an early stage will surely help in managing symptoms of ADHD.

Symptoms

Symptoms are grouped into three types:

Inattentive ADHD in Child:

Gets distracted easily
Doesn't listen and follow directions
Doesn't pay attention
Can’t organize daily tasks
Often loses things

Hyperactive-impulsive ADHD in Child:

Bounces or fidgets when sitting
Can’t sit at one place
Make noises every time
Restlessness
Way too talkative
Interrupts others

Symptoms in adults:

Forget things
Anxiety
Low self-esteem
Can’t control anger
Impulsiveness
Procrastination
Mood swings
Depression
Problem in relationship

Diagnosis

It is hard to diagnose this disease, especially in children. Doctors usually physically examine the patient and ask about the parents or guardians about the behavior of the patient. If the patient is suffering from a health condition, the doctor will ignore these behaviors as it may be the side effect of the treatment. If not, then the doctor will recommend the patient to a specialist such as a psychologist, psychiatrist, or psychotherapist.

Treatment

There is no cure, but doctors generally use two ways to treat this disease. One is medicinal and the other is therapeutic.

Medication: There are several medications that help in improving and controlling hyperactive and impulsive behavior. These are:

Amphetamine (Adzenys XR ODT, Dyanavel)
Dexmethylphenidate (Focalin)
Dextroamphetamine (Adderall, Dexedrine)
Lisdexamfetamine (Vyvanse)

Patients that are older than 6 years may take non-stimulant medications like:

Atomoxetine (Strattera)
Clonidine (Kapvay)
Guanfacine (Intuniv)

Therapy: The main aim of therapy is to change the behavior of the patient. Training in social skills like sharing, taking turns, waiting, etc can bring changes in behaviors. Support groups are also helpful for adults who are suffering from ADHD.

Health Insurance

ADHD, if not treated at a young age can create several problems in the future. However, expenses of medicine and therapy sessions can put a major strain on your pocket. That is why it is advisable to buy health insurance as medical expenses are skyrocketing these days. And you need someone who supports you financially. Health insurance plans from a reputable insurance provider will take care of medical expenses and hospitalization bills. You will also be eligible for cashless treatment at network hospitals of your insurance provider. You don’t need to worry about the finances as it will be taken fcare of by your insurance company. All you need to worry about is get recovered fast. Not only that, but you will also get tax benefits on the premium paid towards the health insurance plan under section 80 D of Income Tax Act, 2019.

Frequently Asked Questions

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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ADHD and Hyperactivity - Causes, Symptoms, Health Insurance Coverage

Plan Details

Plan Details

​What Is ADHD?

​Diagnosis​

Treatment

​Health Insurance

Frequently Asked Questi​​ons​

Relevant Links for Health Insurance

Health Insurance for Top Locations

Disease-Specific Health Insurance

What Is ADHD?

Diagnosis

Health Insurance

Frequently Asked Questions