Updated on - 19 Jan 2026
Curd is a common part of daily meals and loved for its creamy taste and probiotic benefits. But have you ever felt bloated, uneasy, or faced digestion issues after eating it? While curd can support gut health and immunity, excessive intake or eating it at the wrong time can sometimes cause discomfort or worsen certain health conditions. Understanding how curd affects your body helps you enjoy its benefits safely, and having the right health insurance plan ensures unexpected medical or financial challenges don’t add to your stress.
What are the side effects of curd?
While curd is rich in probiotics, calcium, and protein, consuming it excessively can pose health challenges. The disadvantages of curd are as follows:
Digestive distress: Curd is a digestive powerhouse for many, yet it can lead to ill effects for others. If you have lactose intolerance, you may experience bloating, cramps, or diarrhoea due to its lactose content. Those prone to irritable bowel syndrome (IBS) might find curd too heavy, leading to discomfort rather than relief.
Weight gain: Though commonly recommended for enhancing gut health, excessive consumption of full-fat curd can cause weight gain. Over time, calorie-dense curd can promote weight gain, particularly if paired with a sedentary lifestyle.
Respiratory concerns: Another disadvantage of curd is its association with increased mucus production. Curd may worsen respiratory conditions such as asthma or chronic sinusitis, particularly when consumed at night.
Calcium overload: While calcium is essential for strong bones, too much of it, especially from dairy sources, could be problematic. Overconsumption of curd may increase the risk of kidney stones, particularly those predisposed to calcium oxalate buildup. You can prevent such complications by balancing dairy intake with ample hydration and dietary variety.
Inflammatory triggers: Curd might not always be beneficial if you suffer from inflammatory conditions like arthritis. Some people report heightened joint pain and stiffness after frequent consumption due to its acidic nature. While not universally harmful, if you have chronic inflammation, you should assess whether curd aggravates your symptoms.
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Allergic reactions: Some individuals may be allergic to dairy elements and proteins like casein, which can lead to minimal to severe allergic reactions like itching, rashes, swelling, or breathing difficulties.
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Acidity or heartburn: When eaten on an empty stomach or combined with specific foods, curd can trigger acidity in people prone to acid reflux.
Safe consumption levels & precautions to take during curd consumption
Curd can be a healthy part of your diet when consumed correctly. Moderate portions of 1-2 small bowls a day are generally safe, as overeating can cause acidity or digestive discomfort. Avoid eating curd at night if it tends to increase mucus, cough, or congestion.
Choose plain, fresh, homemade, or unsweetened curd instead of flavoured or packaged varieties that contain sugar and preservatives. Avoid combining curd with oily, fried, or “hot” foods, as well as with fish or meat, to prevent digestive issues.
If you feel gassy, bloated, or uncomfortable after eating curd, you may have lactose intolerance and should consult a professional. People with asthma, sinusitis, or frequent colds should be cautious, as curd can worsen respiratory symptoms. Always prefer fresh curd, as old or sour curd can irritate the stomach and is harder to digest.
Who should avoid eating curd?
Curd is healthy for most people, but certain individuals should avoid or limit it. People with lactose intolerance may experience bloating or discomfort even from small amounts. Those with frequent colds or sinus issues should be cautious, as curd can increase mucus production.
Individuals with low immunity should seek professional advice before consuming curd, as it contains live bacteria. People whose skin reacts to dairy, worsening eczema or acne, may experience flare-ups.
Anyone with stomach infections, such as diarrhoea or other digestive issues, should also avoid curd.
Role of health insurance in treating diet-related conditions
Diet-related issues such as acidity, bloating, high cholesterol, lactose intolerance, obesity, or nutritional deficiencies often require long-term treatment or regular medical attention. Having an individual health insurance plan can ensure that sudden medical expenses do not affect your health or savings.
Insurance can cover doctor visits and basic tests like check-ups, nutritional evaluations, and blood tests. It also helps reduce the financial burden of treatments for conditions influenced by diet, such as diabetes, high cholesterol, or hypertension, which may require regular monitoring and medication.
In cases where severe acidity, food poisoning, or gastric infections lead to hospitalisation, insurance can cover room charges, treatment, and medicines. Some plans include preventive health checkups to detect diet-related issues early, and coverage for emergencies ensures timely care for sudden food reactions, dehydration, or stomach infections.
Conclusion
Curd can be a nutritious and comforting addition to your diet, but it may not suit everyone. Paying attention to how your body reacts helps you make smarter food choices and prevent digestive or health issues. Alongside mindful eating, having the right health insurance plans for family ensures that unexpected medical situations don’t become a financial burden.
For personalised guidance on the best plan for your needs, fill out the form on this page and get expert advice today; so you can focus on your health with peace of mind.
FAQs
1. Can curd help improve gut health?
Yes, curd contains probiotics that support gut bacteria, which may aid digestion and boost immunity, but effects vary depending on individual tolerance.
2. Is curd safe for people with diabetes?
Plain curd is generally safe in moderation for people with diabetes, as it has a low glycemic index. Avoid sweetened or flavoured varieties.
3. Can curd be used in skincare or home remedies?
Curd is sometimes used topically for its cooling and moisturising properties, helping soothe sunburn or dry skin, though patch tests are recommended first.
4. Does curd affect weight management?
In moderation, curd can be part of a weight management diet due to its protein content and ability to promote satiety, but excessive consumption may add extra calories.
5. Can curd help reduce inflammation?
The probiotics in curd may support a healthy inflammatory response, but people with specific conditions like IBS or lactose intolerance should monitor their intake carefully.
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.