Mumps - Causes, Symptoms, Health Insurance Coverage

​What is Mumps?

Mumps is an infectious disease caused by a virus that transfers from an individual to another through close personal contact, saliva, and nasal secretions

The condition majorly affects the salivary gland, also known as parotid glands. These glands produce saliva. There are three different salivary glands on every side of your face, located below and behind your ears. ​

Symptoms

People who get infected with the mumps virus have either no symptoms or signs or very mild ones. When symptoms and signs do occur, they generally appear about three or two weeks after exposure to the virus.

The primary sign of mumps is swollen salivary glands that puff out your cheeks. Other symptoms and signs may include:

• Pain in the swollen salivary glands on both or one side of your face
• Pain while swallowing or chewing
• Headache
• Fever
• Weakness and fatigue
• Muscle aches
• Loss of appetite
  

​Diagn​osis

If you or your ​​child has symptoms or signs of mumps, the doctor is likely to:

• Ask whether you or your child might have been exposed to the virus and whether you have been vaccinated against mumps.
• Suggest a blood test to analyze whether you have mumps virus or not.

Treat​ment

Because mumps​ is a virus, it does not respond to other medications or antibiotics. However, you can cure the symptoms to make yourself more comfortable while you are sick. These include:

• Rest when you feel tired or weak.
• Take over-the-counter pain relievers, like ibuprofen and acetaminophen, to bring down your fever.
• Calm swollen glands by using ice packs.
• Drink a lot of fluids to ignore dehydration due to fever.
• Eat a soft diet of yogurt, soup, and other foods that are not hard to chew.​
  

You can ge​​​nerally return to school or work about one week after a doctor analyzes your mumps if you feel up to it. By the point, you are no longer infectious. Mumps generally runs its course in a couple of weeks. Ten days after your illness, you should be feeling really better.

The majority of pe​ople who get mumps cannot contract the disease a second time. Having the virus once protects you from getting infected.

​Health Ins​ura​nce

Nowadays, diseases are on the rise, and so does the cost of treatment. Paying medical expenses becomes even difficult when the person who brings in the money itself is admitted to the hospital. This is the reason why it's recommended to buy best health insurance from a reputed and well-known insurer such as Reliance General Insurance, which will provide financial coverage that can take proper care of all the medical expenses. Apart from cashless treatment, health insurance plans also deliver full coverage for pre and post-hospitalization costs, medical checkups, transportation charges, and room rental costs. Additionally, a health policy will also provide 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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