Alert: Health Insurance now at 0% GST! Effective from 22nd September 2025 – Save 18% instantly on premiums. Note: Our services email has now changed to services@indusindinsurance.com (earlier - rgicl.services@relianceada.com). View the detailed list of updated email addresses here.

Self-Help

Bone Fracture - Causes, Symptoms, Health Insurance Coverage

Name: Health Insurance for Bone Fracture
Brand: Reliance General Insurance
Rating: 4.2 (158 reviews)

Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians

Enter full name
Enter mobile number
Enter pin code

Policy Start Date

I accept Terms & Conditions and WhatsApp Opt-in
Renew Your Health Insurance Policy

Plan Details

Plan Details

What Is Bone Fracture?

A fracture is a medical term utilized for a broken bone. Fractures are common. According to a recent study, the average person has two during a lifetime. A bone fracture occurs when the physical force exerted on the bone is stronger than the bone itself. However, a fracture may also be the outcome of some medical conditions which weaken the bones, for example, osteogenesis imperfecta, osteoporosis, or some cancers.

Symptoms

The symptoms and signs of a fracture vary based on which bone is affected, the patient’s general health and age, as well as the seriousness of the injury. However, they mostly include some of the following:

Swelling
Pain
Bruising
Angulation – the affected area may get bent in an unusual way
The patient cannot move the affected area
The affected joint or bone may have a grating sensation
The patient is unable to put weight on the fractured area
Discolored skin around the affected area
If it is an open fracture, there may be some bleeding also

When a large bone is fractured, such as the femur or pelvis:

The sufferer may look clammy and pale
Feelings of nausea and sickness.
There may be dizziness (feeling faint)

If possible, do not move a person with a broken bone until a healthcare expert is present and can handle the situation and, if needed, apply a splint.

Diagnosis

X-ray: X-ray imaging produces a picture of bones, internal tissues, and organs. Most fractures are identified by using an X-ray
Magnetic resonance imaging (MRI): An MRI is a method that produces a more detailed image. It is generally used for stress fractures or smaller fractures.
Bone scan: An injection is injected that binds in the portion of the fracture where bone turnover is higher than normal.
Computed tomography scan (CT, or CAT scan): a three-dimensional imaging process that uses a combination of computer technology and e-rays to produce slices, vertically and horizontally, of the body.

Treatment

Specific treatment for a fracture will be analyzed by your physician according to:

Your overall health, age, and medical history
The extent of the condition
Your tolerance for specific therapies, medications, or procedures
Expectations for the course of the condition
Your preference or opinion

The aim of treatment is to promote healing, control the pain, prevent complications, and restore general use of the fractured area.

An open fracture (one in which the bone is visible through the skin, or a deep wound that reveals the bone through the skin) is considered an emergency. Look for immediate medical attention for this kind of fracture.

Health Insurance

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.

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.

Relevant Links for Health Insurance

Health Insurance for Top Locations

Disease-Specific Health Insurance

Bone Fracture - Causes, Symptoms, Health Insurance Coverage

Plan Details

Plan Details

​What Is Bone Fracture?

Symptoms

​Diagnosis

Treatment

​Health Insurance

Frequently Asked Questi​​ons

What is the current GST rate on health insurance premiums?

How does the GST exemption impact my health insurance premium?

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

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

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

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

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

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

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

Relevant Links for Health Insurance

Health Insurance for Top Locations

Disease-Specific Health Insurance

What Is Bone Fracture?

Diagnosis

Health Insurance

Frequently Asked Questions