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Lymphoma - Causes, Symptoms, Health Insurance Coverage

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​What Is Lymphoma?

A series of lymph nodes and vessels make a lymph system that moves lymph fluid throughout the body. These fluids consist of white blood cells that fight foreign bodies that cause infection. The main function of the lymph system is to protect your body. However, one can suffer from the cancer of the lymph system which is called lymphomas.  

Symptoms

One can't see symptoms of Lymphoma at an early stage. Given below are some of the signs and symptoms of Lymphoma:

  • Pain in the neck, upper chest, stomach, armpit, groin
  • Pain in bones 
  • Fatigue
  • Cough
  • Fever
  • Enlarged spleen
  • Night sweats
  • Itchiness 
  • Pain while drinking alcohol 
  • Rashes on skin 
  • Not able to breathe properly 
  • Unexplained Weight Loss​

It is highly advisable to go and see your doctor if you are facing any of the symptoms mentioned above.

​Diagnosis

In case of symptoms, you should consult your hematopathologist immediately. Your doctor will ask for a biopsy to diagnose lymphoma. A cell is removed from an enlarged lymph node. This examination will detect lymphoma cells. 

To see how far cancer has spread, you may have to go through tests like blood testing, chest X-ray, or testing nearby lymph nodes. You may also have to go through scans like Magnetic Resonance Imaging (MRI) or Computed Tomography (CT).

Treatment

Lymphoma can be diagnosed by one specialist only, however, for its treatment, you need several specialists. A team of Hematologists, Oncologists, and Pathologists come together to treat a patient who is suffering from lymphoma. Hermatologists are the doctors that are specialized in blood, immune cell, and bone marrow disorders. Oncologists treat cancerous tumors. Pathologists assist them and give their useful instincts to identify treatment and help them in the planning process. 

Treatment of lymphoma depends on what stage cancer is. There are 4 stages of cancer, in stage one, cancer is limited to lymph nodes, whereas, in stage four, cancer must have spread to other parts of the body as well. Doctors also prescribe treatment based on how fast cancer cells are growing. 

In the case of Hodgkin's lymphoma, you need to go through radiation therapy. Your doctor may also prescribe you chemotherapy medications that can destroy cancerous cells. In some cases, bone marrow or stem cell transplant is also used to make cells of immune system cells healthy. Any relative of the patient can donate bone marrow.

​Health Insurance

With an unhealthy lifestyle, humans have become more prone to chronic diseases. Also, in the last few years, the cost of basic healthcare has risen so high. The cost of basic treatment can hinder your hard-earned savings. A chronic disease in today's days and age can put a major strain on anyone's bank balance. That is why it is advisable to buy health insurance from a reputable insurer. The ​​health insurance plan will take care of your medical bills and hospitalization bills. provides financial coverage that takes care of your medical expenses and hospitalization bills. You can also get cashless treatment at your insurer's network hospitals. This plan also helps in perfecting tax planning as it provides tax benefits under section 80D of Income Tax Act, 1961.

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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