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Psoriasis - Causes, Symptoms, Health Insurance Coverage

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

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What Is Psoriasis?

This is a chronic and persistent skin condition that is characterized by silvery, dry, itchy, and thick patches on the skin. This skin disease usually affects elbows, scalp, knees, back, chest, arms, fingernails, toenails, and between the buttocks.

Symptoms

Symptoms vary from person to person. But some of the common signs and symptoms of psoriasis are mentioned below:

Rashes or patches of red
Inflamed skin covered with silver-colored, loose scales
Itchy skin
Scaly plaques on the scalp
Bleeding and pain while itching
Discoloration and pitting of fingernails and toenails.
Nails might detach from the nail bed.

If you are facing any of the symptoms mentioned above, it is recommended to immediately contact your doctor.

Diagnosis

It is easy for your dermatologist to diagnose psoriasis based on physical examination, especially if you have plaques on elbows, scalp, ears, knees, belly button, and nails. However, sometimes it is difficult for your doctor to diagnose this disease as it showcases the same symptoms as in eczema and other skin conditions. Your doctor may ask you to go through the test mentioned below:

Biopsy: In this, your doctor will take a small sample of your skin and used it for testing and diagnosing whether you have psoriasis or not.

Blood tests: If you have symptoms like painful and swollen joints, then you might be suffering from psoriasis arthritis. In such a case, the doctor might run some blood tests on you. He/ she might also ask you to take X-rays, as they want to remove the possibility of other types of arthritis.

Treatment

There are several options available when it comes to the treatment of psoriasis. Some give relief from itchiness, whereas, some slows the growth of new skin cells. Your doctor will prescribe you the treatment based on your symptoms, where it is on your body, size of your rash, age, overall health, and other things.

Some treatments are:

Moisturizers for dry skin
Steroid creams
Coal tar is used for the treatment of scalp psoriasis. These are available in lotions, foams, shampoos, creams, and bath solutions.
Retinoid creams

Given below is the treatment for severe psoriasis:

Light Therapy: In this treatment, your doctor reduces the growth of skin cells by shining ultraviolet rays on your skin.
Methotrexate: This drug is only used in severe cases as it has many side effects. Your doctor will closely examine you, in case you have methotrexate.
Biologic Treatments: When you suffer from psoriasis, your immune system becomes overactive. In this treatment a drug is given will block your body’s immune system. To control the inflammation from psoriasis. These medications are adalimumab, brodalumab, etc.

Health Insurance

In the 21st century, having health insurance is an important part of the financial portfolio. It not only protects you financially in case of medical emergencies, but it will also protect your savings. You should buy health insurance from a reputable insurer such as Reliance General Insurance. You can also enjoy the perks of cashless treatment at network hospitals of your insurers. You will also get tax benefits on the premium paid towards your medical insurance plan, under section 80 D of Income Tax Act, 1961.

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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Psoriasis - Causes, Symptoms, Health Insurance Coverage

Plan Details

Plan Details

​What Is Psoriasis?​

Symptoms

​Diagnosis​

Treatment

​Health Insurance​

Frequently Asked Questi​​ons

Relevant Links for Health Insurance

Health Insurance for Top Locations

Disease-Specific Health Insurance

What Is Psoriasis?

Diagnosis

Health Insurance

Frequently Asked Questions