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Epilepsy - Causes, Symptoms, Health Insurance Coverage

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

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What Is Epilepsy?

Epilepsy is a neurological disorder in which a person’s brain works abnormally. This includes seizures, sensations, unusual behavior, and loss of awareness. These seizures may be hereditary or related to a brain injury, but in most cases cause is unknown. This disease affects people of all genders, ethnic backgrounds, races, and ages.

Symptoms

Signs and symptoms of Epilepsy are mentioned below:

High fever
Temporary confusion
Loss of consciousness
Unaware of the surrounding
Anxiety, fear, déjà vu
Longer seizures (more than 5 minutes)
Unconscious after seizure stops
Get back to back seizures
Uncontainable jerking movements of the legs and arms

If a person is suffering from epilepsy then he/ she will experience the same seizure again and again, so symptoms will be alike. If you are facing any of the symptoms mentioned above, you should book an appointment immediately with your neurologist.

Diagnosis

It is hard to diagnose epilepsy as health conditions like migraine, fainting, and panic attacks have the same symptoms. Your doctor will ask you some questions regarding the seizure. So, you should tell everything that you remember. Your doctor may ask you to go through the following tests:

Electroencephalogram (EEG): This test will help your doctor to see whether there is any unusual electrical activity in your brain or not as it is common in the person suffering from epilepsy. A sensor will be attached to your scalp that will catch electrical signals.
Brain Scan: This scan will help your doctor to see whether there is any tumor growing in your brain or not. This scan also finds if your brain has been scarred or there is some internal damage. All these things can cause epilepsy. With the help of radio waves and magnetic fields, your doctor can see a clear image of your brain.

Treatment

Proper treatment can help the person suffering from epilepsy as it will lessen the seizures or will completely stop seizures. Treatments include:

Anti-Epileptic Drugs
Surgery that can remove the part of the brain that is causing seizure.
A small electrical device that can control the seizures
The ketogenic diet as it helps in controlling seizures

In some cases, a person suffering from epilepsy needs treatment for life. However, once seizures stop, you can stop the treatment procedure. Your doctor knows better, he/ she will prescribe you the best treatment on the basis of the severity of your disease.

Health Insurance

The healthcare sector has modernized over the last few decades. This has led to many advancements in the medical world, but it has also skyrocketed the healthcare cost. Treatment for epilepsy can put a major strain on your bank balance. 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.

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Epilepsy - Causes, Symptoms, Health Insurance Coverage

Plan Details

Plan Details

​What Is Epilepsy?

Symptoms

Signs and symptoms of Epilepsy are mentioned below:

​Diagnosis

Treatment

​Health Insurance

Frequently Asked Questi​​ons

Relevant Links for Health Insurance

Health Insurance for Top Locations

Disease-Specific Health Insurance

What Is Epilepsy?

Diagnosis

Health Insurance

Frequently Asked Questions