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Jaundice - Causes, Symptoms, Health Insurance Coverage

Benefits

​What is Jaundice?

Jaundice is a term used to describe the whites of the eye and a yellowish tinge to the skin. The whites of the eyes and color of the skin may differ based on the levels of bilirubin. Bilirubin is basically a waste material that is found in the blood. Moderate levels lead to a yellow color, while very high levels leads to brown. 
Jaundice can happen to people of all age groups and is normally an outcome of an underlying condition. Jaundice indicates a problem with the bile duct or liver.

Symptoms

Listed below are the common symptoms of jaundice:
  • The whites of the eyes and a yellow tinge to the skin, normally starting from the head and spreading down the body
  • Dark urine
  • Pale stools
  • Itchiness
Other symptoms linked with jaundice will depend on the cause but may include:​
  • Abdominal pain
  • Fatigue
  • Weight loss
  • Vomiting
  • Pale stools
  • Fever
  • Dark urine

​Diagnosis

Doctors will ask the history of the patient and do a medical exam to check jaundice and confirm bilirubin levels. They will pay close attention to the abdomen, feel for tumors, and examine the condition of the liver. 
A firm liver indicates scarring of liver, or cirrhosis. A rock-hard liver will indicate cancer. Many tests can confirm jaundice. The first is a liver function test to check whether or not the liver is working properly. 

If a doctor is unable to find a cause, he/she may suggest you blood tests to check bilirubin levels and the composition of the blood. These include:
  • Bilirubin ​tests:

    A high level of ​​unconjugated bilirubin compared to the levels of conjugated bilirubin indicates hemolytic jaundice.

  • Hepatitis A, B, and C tests:

    ​This tests​ for a ran​ge of liver infections.​

  • ​Full blood count (FBC), or complete blood count (CBC):

    The measures of white blood cells, red blood cells, and platelets. 

The doctor will check the structure of the liver if they analyze an obstruction. In these cases, they will use an imaging test, including CT, MRI, and ultrasound scans. 

Treatment

Jaundice treatment aims the cause rather than the jaundice symptoms.
 

Below-mentioned treatments are used:

  • Anemia-induced jaundice may be cured by increasing the amount of iron in the blood by either eating more iron-rich foods or taking iron supplements.
  • Hepatitis-induced jaundice needs steroid or antiviral medications.
  • Doctors can cure obstruction-induced jaundice by surgically detaching the obstruction.
  • If jaundice has been caused by a certain medication, treatment involves shifting to an alternative medication.

​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 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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