Rabies - Causes, Symptoms, Health Insurance Coverage

​What is Rabies?

Rabies is a virus that directly attacks the central nervous system. You will found it only in mammals. Human cases of the virus are very rare, but if it is not cured before symptoms appear, it's deadly. Rabies has the highest impermanence rate 99.9% -- of any disease on the earth. The motive is to get treated right away if you think you have been disclosed yourself to an animal that has rabies. ​

Symptoms

Basically, there are no symptoms right away. Rabies can rest in your body for more than 1 month. Symptoms will occur once the virus travels through your central nervous system and affects your brain.

The first symptom you will get is a fever. You might feel a little weak or tired. You may also feel tingling, pain, or burning at the site of the wound. As the virus lays out through your central nervous system, you will develop other, more serious symptoms. They include:

• Anxiety
• Inability to sleep (insomnia)
• Confusion
• Slight or partial paralysis
• Being easily agitated
• Hyperactivity
• Hallucinations
• Difficulty swallowing
• Salivating more than usual 

​Diagnosis

At the time of a bite, there is generally no way to analyze whether an animal is rabid, or it has transferred an infection. Lab tests may represent antibodies, but these may not occur until later in the development of the disease. The virus may be isolated through a skin biopsy or saliva. However, further diagnosis is confirmed, it may be too late to take some action.

For such reason, the patient will usually start a course of prophylactic treatment at once, without a confirmed diagnosis. If a person shows symptoms of viral encephalitis following an animal bite, they should be cured as If they have rabies.​​

Treatment

If a person is scratched or bitten by an animal that may have rabies, or if animal bites or licks an open wound, the person should directly wash any scratches and bites for 15 minutes with soapy water, detergent, or povidone-iodine. This might decrease the number of viral particles. Then they must search for medical help at once.

After exposure and before symptoms start showing, a series of shots can prevent the virus from spreading. This is generally effective. It is not generally possible to analyze whether the animal has rabies or not. It is one of the safest things to assume the worst and begin the course of shots. A number of people have survived rabies, but the majority of cases are fatal once the symptoms appear. There is no perfect treatment at this stage. 

​Health Insurance

When someone is suffering fro​​​m rabies, medical emergencies genuinely becomes unpredictable and can result in a financial crisis. In such a condition, buying a health insurance policy can relax you financially. Health insurance gives full coverage to the medical expenses in case the insured falls sick which leads to hospitalization. Insurance companies like Reliance General Insurance deliver cashless treatment with their best health insurance online, you will be financially secured from all the medical expenses.​

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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