Brittle Bone Disease - Causes, Symptoms, Health Insurance Coverage

​What Is Brittle Bone Disease?

As the name suggests, Brittle bone is a disease of bone that makes bones fragile which results in the breakage of bones easily. One can see this disease at the time of birth. This disease mainly develops in people that have a history of this disease in their families. Osteogenesis imperfecta (OI) is another name of this disease, which means imperfectly formed bone. This disease is mostly mild but in some severe cases it can cause: 

• ​Loss of hearing
• Permanent deformities
• Heart failure
• Problems related to the spinal cord​​

This disease is more life-threatening in babies. One in 20,000 people suffer from this disease irrespective of the gender or ethnic group.

Symptoms

Given below are some of the signs and symptoms that a patient suffering from Brittle Bone Disease can have:

• Permanent bone deformities
• Loose joints
• Multiple broken bones
• Weak teeth
• Bowed arms and legs 
• Blue Sclera, which means bluish color in the white part of the eye
• An abnormal curve of the upper spine or Kyphosis
• Loss of hearing at a young age 
• The abnormal lateral curve of the spine or Scoliosis
• Heart -related diseases 
• Respiratory Problems​

If you are facing any of the symptoms mentioned above, you should immediately consult your doctor for proper treatment.

​Diagnosis

To diagnose brittle bone disease your doctor will ask you to take X-rays. This diagnostic test will help your doctor to see current and past broken bones. This diagnostic test will also make it easier for your doctor to view defects in your bones. These lab tests will help the doctor to properly analyze the structure of your child's collagen. 

In some scenarios, your doctor will ask you to go through a skin punch biopsy. In this biopsy, your doctor will use a hollow, sharp tube to remove a small part of your tissue.

Your doctor might ask you to go through genetic testing as it can trace the source of any defective genes.

Treatment

There is no cure available for brittle bone disease. However, certain therapies will reduce the risk of broken bones in your child. These therapies will also increase the quality of life. Some of the treatments for the brittle bone disease are mentioned below: 

• Occupational and physical therapies that can enhance your child's muscle strength and mobility.
• Medications like Bisphosphonate that helps strengthen your child's bones
• Medications that reduce any pain in the bone
• Exercises that help in making bones strong 
• Your doctor might prescribe to insert a rod in your child's bone via surgery 
• Reconstructive surgery that can correct bone deformities
• Counseling that can make patient strong mentally ​​

​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 Questi​​ons

• 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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