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Hypertension - Causes, Symptoms, Health Insurance Coverage

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

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What Is Hypertension?

High blood pressure or hypertension is known as the silent killer as it hardly shows any major symptom before it kills the patient. This problem is very common in India because of the poor diet and unhealthy lifestyle. A normal blood pressure of an adult is considered at 120/80. If anything goes beyond or below normal, major health issues arise.

Symptoms

Signs and symptoms of Hypertension are mentioned below:

Blood in the urine
Pain in chest
Pounding in your chest, neck, or ears
Difficulty in breathing
Vision problems
Severe headache
Irregular heartbeat

If you are facing any of the symptoms mentioned above, it is advisable to consult your doctor immediately.

Diagnosis

Just like taking a blood pressure reading, diagnosing hypertension is also simple. If you are facing any problem, your doctor will take your blood pressure and if your blood pressure is on the elevated side, your doctor might ask you to take more readings over the next few days. One cannot diagnose hypertension with just one reading. This is because sometimes, the environment can contribute majorly to increased blood pressure, such as the stress that you may feel by being in the doctor’s office. One should also know that the level of blood pressure changes throughout the day.

If your blood pressure remains high for some days, your doctor might conduct more tests to rule out underlying conditions. Given below is the name of the tests:

Cholesterol screening and other blood tests
Urine test
Test of your heart’s electrical activity with the help of an electrocardiogram
Ultrasound of your kidneys or heart

These tests give your doctor a clearer picture of secondary issues that might be causing an elevation in your blood pressure. These tests also help them to look at the effects of high blood pressure on your organs.

Once the tests are done, your doctor may begin treating your hypertension because studies have shown that early treatment can reduce the risk of long-lasting damage.

Treatment

To regulate your blood pressure, your doctor may advise you to take water pills to remove the excess water from the body. Along with that your doctor may also recommend you use beta-blockers which reduces the pressure of the blood through the veins.

Your doctor will ask you to make some changes in your lifestyle and suggest some dietary changes that might bring the associated symptoms under control. If you are a chain-smoker, you will have to quit it or your health will be in danger.

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 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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Hypertension - Causes, Symptoms, Health Insurance Coverage

Plan Details

Plan Details

​What Is Hypertension?

Symptoms

​Diagnosis​

Treatment

​Health Insurance

Frequently Asked Questi​​ons

Relevant Links for Health Insurance

Health Insurance for Top Locations

Disease-Specific Health Insurance

What Is Hypertension?

Diagnosis

Health Insurance

Frequently Asked Questions