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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.

Depression - Causes, Symptoms, Health Insurance Coverage

Benefits

​What Is Depression?

Depression is considered a mood disorder in which the patient feels sad and angry at a level that affects their daily life activities. Depression is something that can worsen the relationship of the patient with their loved ones. Depression is bad for some of the chronic health diseases like asthma, cancer, diabetes, cardiovascular diseases, etc.

Life is all about ups and downs and being sad is the major part of it. However, if you are feeling down constantly, then you may be suffering from depression. It is a serious health condition that can cause severe problems if not treated properly.

Symptoms

Symptoms of depression are different in men, women, and children. 

Symptoms in men: 
  • Aggressiveness
  • Irritation 
  • Anxiousness 
  • Restlessness
  • Feeling sad, empty and hopeless all the time
  • Misuse of drugs and alcohol 
  • Lack of interest, concentration 
  • Insomnia 
  • Constant headache, fatigue, stomach problems
Symptoms in women:
  • Irritation
  • Anxiety 
  • Lack of interest
  • Suicidal thoughts 
  • Less talking 
  • Not getting proper sleep
  • Loss of appetite 
  • Increased cramps
  • Change in weight 
  • Constant headache 
Symptoms in children:
  • Constant crying due to irritation
  • Laziness 
  • Not going to school or meeting friends 
  • Lack of concentration 
  • Change in grades 
  • Loss of energy 
  • Digestive problems
  • Sudden weight gain or loss​
If you are facing any of the symptoms mentioned above for a longer time, you should consult your doctor.

​Diagnosis

Till now, there is no test to diagnose depression. However, with the help of the physical examination, symptoms, and psychological evaluation, your doctor will be able to diagnose depression. For proper diagnosis, your doctor will ask you questions regarding your moods, sleep pattern, appetite, thoughts, and much more. Depression can also be triggered due to a deficiency of Vitamin D or a thyroid problem. So, your doctor might ask you to go through some tests.

Treatment

Proper treatment can help people suffering from depression and help them improve their lifestyle. To get the best result, one should combine medical treatments with lifestyle therapies. Here are some of the medications that your health provider might prescribe you: 
  • Antidepressants
  • Antipsychotic medications
  • Antianxiety​
Other than medical treatments, there are certain therapies that can help a patient suffering from depression.
 

Psychotherapy

In this therapy, the patient can speak to the professionals that can help them cope with negative thoughts. Therapy with loved ones is always the best option. 

Light therapy

In this type of therapy, the patient is exposed to white light. It is proven that white light regulates the mood and reduced the symptoms of depression. 

Alternative therapies

Other than the above-mentioned therapies and medications, one can also get results from acupuncture, meditation, exercise, etc. One can also take herbal supplements to reduce the symptoms of depression

Health Insurance

Depression is someth​ing that people think is not a medical condition. However, it is and just like any other disease, its treatment can cost you a fortune. That is why it is advisable to buy health insurance from a reputable insurer such as Reliance General Insurance. The coverage offered under health insurance plans will take care of the finances that may incur in the treatment of depression. You don’t have to worry about medical expenses and hospitalization bills.

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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