Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Health insurance just got 18% cheaper – no GST applicable!
 

Mineral-Based vs Chemical-Based Sunscreen

Mineral sunscreens reflect UV rays, while chemical sunscreens absorb them. Both reduce sun damage but differ in ingredients, application, and skin reactions. Regular use prevents sunburn, ageing, and pigmentation. Understanding their differences helps in choosing the right sunscreen for your skin type.

  • 22 Feb 2026
  • 6 min read
  • 6 views

Did you know that incorporating sunscreen in your everyday routine can help prevent wrinkles, maintain even skin tone and reduce sagging skin and age spots? Mineral and chemical sunscreens are types of sunscreens that offer skin protection. However, the two have different ingredients and work differently. Mineral sunscreen forms a physical barrier reflecting ultraviolet rays, while chemical sunscreen absorbs sun rays and prevents them from reaching the skin. So, while these sunscreen types attain the same goal, they differ in their ingredients and how they work to safeguard your skin from the harmful sun rays.

This blog discusses sunscreens and the differences between mineral vs chemical sunscreens.

What are the basics of sunscreen?

There are two types of sunscreens – chemical and mineral. Both safeguard you from the damaging UV rays; however, the best choice varies depending on your skin type and personal needs.

Chemical sunscreens are easier to apply, but may cause skin and eye reactions in some individuals. Mineral sunscreens require frequent reapplication, but they may be safer for your skin in the long term than chemical sunscreens.

Always apply a generous amount of sunscreen using the three-finger rule, which suggests using your three fingers to apply an adequate amount of sunscreen to your skin.

Remember to apply sunscreen to every exposed body part, including the face, ears, neck, hands and feet.

Generally, you should reapply your sunscreen every two hours when outdoors.

Why is sunscreen important?

Sunscreen is one of the best regimens for protecting your skin against damaging ultraviolet (UV) rays, which can cause premature skin ageing, sunburns or skin cancer. Frequent application of the right sunscreen can also help reduce hyperpigmentation. It can prevent the formation of new dark patches on the skin or the worsening of existing ones. This applies to all skin tones.

What are the types of sunscreen?

The two main types of sunscreen available in the market are mineral and chemical sunscreens. They are often labelled along with the ingredients. Mineral sunscreens are heavier in texture and form a physical barrier against sunlight, while chemical sunscreens are lighter and prevent UV damage through a chemical reaction.

Mineral vs chemical sunscreen

Both chemical and mineral sunscreens work to protect your skin from harmful ultraviolet radiation. However, they have key differences, like:

Difference

Mineral sunscreen

Chemical sunscreen

Function

Mineral sunscreens consist of minerals and protect the skin by reflecting UV rays from the sun.

Chemical sunscreens offer protection by absorbing the sun’s rays.

Ingredients absorption

Ingredients stay on the skin surface.

Ingredients get absorbed into the skin.

Skin reaction

Mineral sunscreens are less likely to cause skin reactions.

Chemical sunscreens are highly likely to cause skin reactions.

Texture

Mineral sunscreens are opaque (not see-through) and have a thicker texture, which can feel heavier on the skin.

Chemical sunscreens are typically transparent (see-through) and more lightweight.

Application

Requires a slower application and can sometimes be harder to spread on the skin.

Easier to apply because of its lightweight, blendable texture.

Nature

Mineral sunscreens can leave a white cast on your skin.

Chemical sunscreens hardly leave any white casts since they are transparent on the skin.

Water-resistant formulations

Most mineral sunscreens are less water-resistant, so if you go swimming or sweat a lot, you may need to reapply frequently.

Chemical sunscreens are more water-resistant and can maintain their effectiveness for longer when exposed to water or sweat, making them a preferred option for outdoor activities like swimming.

Sunscreen myths busted

Here are some myths about sunscreens:

  • Myth: Sunscreen causes cancer
  • Fact: There is no scientific proof that sunscreen causes cancer. In essence, it is an effective tool that blocks harmful UV radiation and prevents skin cancer.
  • Myth: You need to apply sunscreen only on sunny days
  • Fact: Sunscreen is necessary every day, all year-round, since ultraviolet rays can penetrate the clouds anytime and harm your skin.
  • Myth: Dark-skinned individuals do not need to use sunscreen
  • Fact: Any skin tone can get damaged by sun rays, which can cause dark spots, wrinkles, premature ageing even skin cancer.
  • Myth: Sunscreen blocks the production of Vitamin D
  • Fact: While sunscreen blocks most UV rays, vitamin D still gets produced in the skin when exposed to sun rays. However, many people obtain enough Vitamin D from additional sources, such as a balanced diet or nutritional supplements, rather than tanning. Therefore, you should wear sunscreen comfortably, and if you are concerned about your body's vitamin D levels, consult a healthcare provider about supplements.

Ensure you have good medical insurance to cater for consultations and help reduce your financial burden.

When to use sunscreen

Here’s when you can use sunscreen:

  • Daily: UV rays are present even when the sun is not up, so everyday application is necessary for constant sun protection, particularly on the face.
  • Before exposure to the sun: Try applying sunscreen at least 15-20 minutes before stepping out to allow the skin to absorb it properly.
  • Reapply every two hours: It's necessary to reapply sunscreen regularly. You can do it more frequently when swimming, sweating too much or towelling off.
  • Anytime the ultraviolet index is forecast to reach 3 or higher: The UV rays can be strong enough to cause skin damage during any part of the day, including when it does not feel extremely hot.

Conclusion

Sunscreen works by absorbing or blocking harmful UV rays from damaging collagen and elastin in your skin. Applying it can help lower your risk of sun damage and maintain healthy, youthful-looking skin texture. Mineral sunscreens are mostly preferred for sensitive skin and are considered environmentally friendly. Chemical sunscreens may irritate some skin types, especially the sensitive ones, like those with acne.

If you experience any health issues, ensure you always seek medical assistance. It helps to prioritise purchasing reliable health insurance for a family. A good insurance cover provides huge financial protection in case you or a family member experiences any health crisis.

FAQs

1. Is sunscreen for morning or night?

For the right skincare, sunscreen is best applied during the day and washed off before going to bed.

2. Do you put sunscreen before or after moisturiser?

It is advisable to apply sunscreen first, then moisturiser to help hydrate your skin and keep it feeling soft and comfortable. Always apply sunscreen before other products to offer the best protection from damaging UV rays.

3. How long does sunscreen last on the face?

Generally, sunscreen lasts two hours before the need to reapply it again. Activities like swimming, towel-drying, or too much sweating can reduce effectiveness, requiring frequent reapplication. However, if you spend most of your time indoors, you may not need to reapply sunscreen.


Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Also read:

  • Looking for tailored advice?

    Schedule a call with our insurance advisors

  • OR
  • Call us:

    1800 2666
Please enter valid name
Please enter a valid mobile number
Please select the Category

Subscribe to our newsletter

Understand insurance better by reading our helpful guides, articles, blogs and other information.

Please enter valid name
Please enter valid Email

Error message here