Migraine - Causes, Symptoms, Health Insurance Coverage

​What Is Migraine?

All headaches are not migraines, but all migraines are a severe type of headache. There are four stages of migraine. Prodrome, which is a warning sign. The next stage is Aura, which is a beginning symptom. The third stage is a headache, and the last stage is Post-drome, in which a person feels tired. Migraine is more common in women.

Symptoms

The following mentioned signs and symptoms are common in a person who is suffering from migraine:

• Food cravings
• Change in mood
• Constipation
• Stiffness in the neck before getting a migraine attack
• You may see various bright spots, shapes, or flashes of light
• Pulsating and throbbing pain on one or both sides of the head
• Sensitivity to sound and light
• Blurry vision
• May faint because of light-headedness
• Nausea and vomiting

If you are facing any of the above-mentioned symptoms, you should contact your doctor immediately. 

​Diagnosis

If you are suffering from the symptoms that might lead to migraines, your neurologist will diagnose it based on your and your family's medical history, symptoms, and then will ask you to go through a physical and neurological examination. There are certain tests that you have to go through if your migraine is severe:

• MRI Scan: In this type of scan, with the help of a powerful magnetic field and radio waves, the doctor can see the detailed images of the patient's brain and blood vessels. This scan helps doctors to see whether or not patients have strokes, tumors, infections, bleeding in the brain, infections, or any other brain and neurological conditions.
• CT scan: With the help of X-rays, a CT scan helps in creating a detailed cross-sectional image of the patient's brain. This helps doctors diagnose medical problems that may be causing headaches other than migraines.

If all these tests come fine, then doctor becomes sure that it is a migraine that is causing severe headache, and he/ she prescribe medicine accordingly.

Treatment

The main aim of treating migraines is to stop the severe headache and prevent future attacks. Your doctor may prescribe you:

• Pain-relieving medications: This is also known as an abortive treatment. Patients can take the prescribed drugs during migraine attacks to stop it from happening.
• Preventive medications: Patients have to take these drugs daily to lessen the severity of migraines.
• Medications that lower Blood pressure: Medications include beta-blockers such as propranolol and metoprolol tartrate.
• Antidepressants: An antidepressant namely amitriptyline can prevent migraines from happening, however, due to its side effects such as weight gain and sleepiness, your doctor may prescribe some other antidepressants.
• Anti-seizure drugs: Topiramate and Valproate can help you but also comes with side effects like change in weight, dizziness, and much more.
  
  
  

​Health Insurance

Migraine can cause severe headaches. 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 sett​​led 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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