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Herpes - Causes, Symptoms, Health Insurance Coverage

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​What Is Herpes?

Herpes is a disease caused by the Herpes Simplex Virus or HSV. This disease mainly causes infection of the external genitalia, mucosal surfaces, anal region, and other skin parts of the body. This infection is a long-term health condition. Some people might carry the virus, but they don't show any symptoms.

Symptoms

Some symptoms of Herpes are similar to the flu. Signs and symptoms of Herpes are mentioned below: 

  • ​​Pain while urinating (Genital Herpes)
  • Itching
  • Blistering sores on the genitals or in the mouth 
  • Headaches
  • Fever
  • Lack Of Appetite
  • Swollen Lymph Nodes
  • Tiredness

Herpes can also be spread via eyes and can lead to a health condition like Herpes Keratitis. Symptoms of such an infection are eye pain, eye discharge, and a gritty feeling in the eye. It is advisable to consult with your doctor if you are facing any of the symptoms mentioned above.

​Diagnosis

If you are facing any symptoms of Herpes, you should consult your doctor. Generally, the virus that causes Herpes is easily diagnosed with the physical examination. Your doctor may ask you about your medical history, check your body for sores and may ask you about some of your symptoms. For full assurance, your doctor may ask you to go through some of the important tests. 

HSV testing, which is also known as a herpes culture. This test will confirm whether you have sores on your genitals or not. In this test, a swab sample of fluid from the sore will be taken and sent to the laboratory for testing. 

Your doctor might also advise you to take blood tests for antibodies. This test will help diagnose an infection causing virus HSV-1 and HSV-. This test is recommended when there are no sores present.

Treatment

As of now, there is no cure available for this virus. However, your doctor will focus on limiting outbreaks and getting rid of sores. In some cases, sores vanish without any treatment. The medications mentioned below will be prescribed by your doctor in order to treat Herpes:

  • Famciclovir
  • Acyclovir
  • Valacyclovir

These medications will help patients in two ways, firstly it will reduce the transmission rate and secondly it will lower the intensity and frequency of outbreaks. These medications can either come in cream or in oral form. In the case of a severe outbreak, these medications can also be injected.

​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 purc​hasing 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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