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Diabetes - Causes, Symptoms, Health Insurance Coverage

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​​What Is Diabetes?

Diabetes is a disease that increases blood sugar level. A hormone named insulin moves sugar from the blood into the cells of the body where they are stored or used for energy. However, the body of a person suffering from diabetes either doesn’t make enough insulin or can’t effectively do its function. 

Diabetes can cause damage to your nerves, eyes, kidneys, and other organs. There are 4 types of diabetes:
  • Type 1 diabetes is an autoimmune disease, in which the immune system attacks its own body and destroys cells in the pancreas.
  • Type 2 diabetes occurs when the patient's body shows resistance to insulin, which results in an increase of sugar level in the blood.
  • Gestational diabetes occurs during pregnancy. Placenta produces insulin-blocking hormones that cause this type of diabetes.

Symptoms

Signs and symptoms of Diabetes are mentioned below:
  • ​Increase in hunger
  • Frequent urination
  • Increase in thirst
  • Blurred vision
  • Sores that don’t heal
  • Loss in weight 
  • Extreme fatigue
If you are facing any of the symptoms mentioned above, it is advisable to consult your doctor immediately.​

Diagn​o​sis ​

Once your doctor has gone through your symptoms, and overall health history, they may ask you to take a test for diabetes if they suspect any risk. You have to go through the following tests:

Fasting blood sugar test

This test is usually done after an 8-hour fast. An ideal blood sugar level should be between 100 mg per dL to 125 mg per dL. If anything, m​​ore comes in the test result, it indicates diabetes.​

Oral glucose tolerance test

A patient has to drink a bevera​​ge containing 75 grams of glucose dissolved in water. If after 2 hours, a blood sugar level of 200 mg/dL or higher indicates diabetes.

Random blood sugar test

This test measures glucose level in your blood at any time of day. If the level of blood glucose is 200 mg/dL or higher indicat​​es diabetes.

A1C blood test

​​​This test which is ​​calculated in percentage provides information about a person’s average levels of blood glucose over the previous 3 months. Below 5.7% is considered as a normal A1C level. A result between 5.7% and 6.4% indicates prediabetes and over 6.4% indicates diabetes.


​Treatment

Doctors treat diabetes with a few different medications. Some of these drugs are injected while others are taken by mouth. Insulin is the chief treatment for type 1 diabetes. Whereas diet and exercise help manage type 2 diabetes and gestational diabetes. The doctor might prescribe some drugs also.

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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