Skin Allergy - Causes, Symptoms, Health Insurance Coverage

​What Is Skin Allergy?

​A person suffers from an allergy when his/ her immune system response aggressively towards certain foreign substances such as allergens and pollens. An allergic reaction that affects your skin and causes inflammation and rashes is known as the allergy of the skin. 

Symptoms

Signs and symptoms o​​f mild skin allergy are mentioned below:

• Red spots on the skin that cause itchiness
• Rhinitis or nasal congestion 
• Skin rash
• Scratchy throat
• Watery eyes
  

Signs and sympt​​oms of severe skin allergy are mentioned below: 

• Cramps or abdominal pain
• Chest pain
• Diarrhea
• Difficulty in breathing and swallowing
• Dizziness 
• Lack of energy
• Anxiety
• Heart palpitations
• Wheezing and coughing 
• Vomiting 
• Swelling of eyes or face
  

You should visit the doctor if you are facing any of these symptoms.

​​Diagnosis

Your doctor can easily diag​​nose skin allergy based on physical examination. They might ask you about your symptoms and medical history. That is why it is advisable to keep a journal in which you can keep the detail of your symptoms. To be fully assured, your doctor may ask you to go through some of the tests: 

• Skin Tests: In this test, a small amount of the suspected allergen will be applied to your skin and you will be kept under observation to see how your body reacts. This test can be conducted in three ways.
  • ​Patch test: In this type of skin test, the allergen is taped to your skin
    
  • Skin Prick Test: In this type of skin test, the allergen is applied to your skin with the help of a small prick. 
  • Intradermal Test: In this type of skin test, the allergen is injected in the first layer of the skin. 
• Blood Tests: This test is used to diagnose skin allergy when skin testing doesn’t show any results. This test checks the antibodies in the blood towards the allergen.
  

Treatment

You don’t need medical attention if you have a mild symptom. In such cases, your doctor might prescribe diphenhydramine (Benadryl), which controls mild allergic reactions. Your doctor may also prescribe you an emergency medicatio​​n such as epinephrine auto-injector (EpiPen) as it controls severe allergic reaction. You have to keep it with yourself all the time. Epinephrine, which is also known as a rescue drug it raises blood pressure and opens the airways. 

If you see someone in your surround​ing having an allergic skin reaction, you should:

• Lay them on the ground on their back.
• Elevate their legs.
• Put a blanket around them.

Health Insurance

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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