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Eczema - Causes, Symptoms, Health Insurance Coverage

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

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What Is Eczema?

Eczema is a condition of the skin that causes itchiness, inflammation, and roughness. Eczema can also cause blisters. Eczema and atopic dermatitis are the same things. Atopic means the health condition that involves the immune system, and dermatitis means skin inflammation. There are certain food items like nuts and dairy products that might trigger the symptoms. There are other factors also that triggers symptoms. These are pollen, smoke, soaps, and fragrances. You should know that Eczema is not a communicable disease.

Symptoms

The signs and symptoms of eczema are different in infants, children, and adults.

Symptoms in infants:

Rashes on the cheeks and scalp
Extreme itchiness
Lack of sleep due to irritation

Symptoms in children:

Rashes behind the creases of knees and elbow
Rashes on the wrists, neck, ankles, and between the legs and buttocks
Thickening of the skin, which is also known as lichenification
Permanent itchiness

Symptoms in adults:

More scaly rashes compare to what occurs in children
Rashes in the creases of the elbows or knees and/ or on the nape of the neck
Body full of rashes
Dry skin on the affected areas
Permanent itchiness due to rashes
Skin infections

If you or your children are suffering from any of the symptoms mentioned above, you should make an immediate appointment with your doctor.

Diagnosis

To diagnose eczema, your doctor will run a physical examination on you. Also, he or she will ask you questions regarding the symptoms. these questions will help them in the proper diagnosis of eczema. For more accurate testing, your doctor might take a small piece of your skin that will be studied in a lab. This biopsy will help in ruling out other medical conditions. Your doctor may also ask you to go through the patch testing.

In patch testing, a small amount of substance is applied to the skin of the patient. After the application of the substance, the skin is covered. One needs to wear that patch for a few days. After some days, your doctor will for a sign of a reaction. This type of testing helps in finding the type of allergy that is causing eczema.

Treatment

The treatment for eczema depends on the symptoms of the patients and the cause of the disease. One can follow home remedies to treat eczema. However, there are some medicines and gels that help in the treatment of eczema. Some are mentioned below:

Skin corticosteroid creams, ointments, or gels
Phototherapy: In this type of treatment, the affected part of the skin is exposed to the natural or artificial light in a controlled environment.
Oral corticosteroids (pills)

Health Insurance

Treatment of eczema may not cost you a fortune. But it is a long-term disease, which means you might have to pay for ointments, pills, and gels for a long time. This can affect your budget. To protect your hard-earned savings, you should buy health insurance from a reputable insurer such as Reliance General Insurance. A health insurance policy will help you financially and will take care of medical expenses and hospitalization bills. You will also be eligible for tax benefits under section 80 D of the Income Tax Act, 1961.

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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Eczema - Causes, Symptoms, Health Insurance Coverage

Plan Details

Plan Details

​What Is Eczema?​

Symptoms

Symptoms in infants:

Symptoms in children:

Symptoms in adults:

​Diagnosis​

Treatment

Health Insurance

Frequently Asked Questi​​ons

Relevant Links for Health Insurance

Health Insurance for Top Locations

Disease-Specific Health Insurance

What Is Eczema?

Diagnosis

Frequently Asked Questions