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Hypothermia - Causes, Symptoms, Health Insurance Coverage

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

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What Is Hypothermia?

When your body drastically loses heat in comparison to producing it, this medical condition is known as Hypothermia. A normal body temperature of humans should be around 37 C or 98.6 F. The person suffering from hypothermia will have a low body temperature that will be below 35 C or 95 F. This is a deadly condition as your body organs like heart, nervous system, etc. only work at a certain temperature. The drop in the body temperature can lead to failure of your respiratory system and heart, which can be deadly. This medical condition is mainly caused when the human body is exposed to extremely cold weather.

Symptoms

Signs and symptoms of Hypothermia are mentioned below:

Weak pulse
Mumbling
Loss of consciousness
Slow breathing
Shivering
Memory loss
Cold, bright red skin (common in infants)
Low energy
Lack of coordination

The above-mentioned symptoms need immediate attention. Make sure you warm yourselves and then consult your doctor immediately.

Diagnosis

Your doctor will diagnose hypothermia based on the symptoms. However, to check the severity of this medical condition, your doctor will check your body temperature with the help of a specialized thermometer. This thermometer will help your doctor in understanding the severity of hypothermia.

Mild hypothermia: 90-95 F
Moderate hypothermia: 82-90 F
Severe hypothermia: Lower than 82 F

Treatment

A person suffering from hypothermia needs immediate medical attention. If medical care is not available, then you should:

Remove all wet clothes.
Cover yourself with blankets and wear new clothes.
Move to a warmer place.
Drink hot beverage. Don’t drink caffeine or alcohol as it fastens heat loss.

The treatment of hypothermia depends on the severity of this medical condition. Given below are some of the treatment that can help in raising the body temperature of the affected person:

Passive Rewarming: This treatment is highly beneficial if a person is suffering from mild hypothermia. Warm drinks and heated blankets are enough.
Blood Rewarming: In this type of treatment, blood is drawn from the patient’s body. This blood is warmed and recirculated in the body. Haemodialysis is commonly used to warm blood.
Warm Intravenous Fluids: In this treatment warm solution of saltwater is inserted inside the veins of the affected person as it helps warm the blood.
Airway Rewarming: A humidified oxygen is used in this treatment. This oxygen is used to warm the airways, which eventually increases the temperature of the body.
Irrigation: With the help of catheters, a warm solution of saltwater is used to warm areas of the body like an abdominal cavity (peritoneal cavity) or the lungs (pleura).

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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Hypothermia - Causes, Symptoms, Health Insurance Coverage

Plan Details

Plan Details

​What Is Hypothermia?

Symptoms

Signs and symptoms of Hypothermia 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 Hypothermia?

Diagnosis

Health Insurance

Frequently Asked Questions