Ulcers - Causes, Symptoms, Health Insurance Coverage

​What Is Ulcer?

An ulcer is a physical rupture in the membrane of the body which affects the functioning of the organ. This disease occurs in the mucous or the epithelium membrane that is present on the skin surface. This disease may affect different parts of the body like the small intestine, stomach, mouth, or esophagus.

Symptoms

One of the most common symptoms that patients suffering from ulcers will feel is a pain or burning sensation in the middle of their abdomen section, i.e., between the chest and belly button. If you are suffering from an ulcer, you will feel more pain, if you haven't had any food. Other signs and symptoms are mentioned below:

• Pain in the stomach
• Vomiting, nausea
• Loss in weight
• Blood in vomit
• Don't want to eat because of pain
• Shortness of breath, tiredness, or paler skin
• Bloating
• Acidic burping
• Heartburn, a sense of burning in the chest
• Tarry, dark stools

Any of the symptoms mentio​ned above can lead to serious consequences, so it is better to consult the doctor immediately in case you are facing any of the symptoms.

​Diagnosis

If you feel any of the symptoms, it's better to get yourself checked by a reputable doctor. To diagnose you properly, your doctor might ask you about the time span of the symptoms and will review your medical history (if any).

However, your doctor may ask you to go through some tests like blood, breath, or stool. This is done to see whether or not there is an H. pylori infection. In the breath test, you have to drink a clear liquid and then breathe into a sealed bad. If H. pylori are present, the sample will have more than normal carbon dioxide. Other tests are:

• Barium Swallow: In this test, you have to drink a thick white liquid, which will coat your upper gastrointestinal tract, and when X-rays are lighted upon your body, your doctor can easily see your small intestine and stomach.
• Endoscopic biopsy: In this test, a piece of stomach tissue is removed to analyze it in a lab.
  

Treatment

Treatment depends on the type of ulcer patients have. In severe cases, patients might need to get surgery. If you are suffering from severe cases of ulcers, your doctor might ask you to get hospitalized. You may also need a blood transfusion. Given below are some of the nonsurgical treatment that cures ulcer:

• If the cause of ulcer is H. pylori, then your doctor will prescribe you drugs like PPIs or proton pump inhibitors that block the production of acid in the stomach
• You can also have H2 receptor blockers that block the production of acid
• Probiotics
• Bismuth supplement

​Health Ins​​​urance

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 settled 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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