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We need to rule out hypothyroidism

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What you’re describing is actually a fairly well-known body reflex rather than a phobia or something psychological. When cold water suddenly touches areas like the head, chest, or back, it can trigger a strong autonomic nervous system response—sometimes called a “cold shock response.” This reaction can cause sudden gasping, rapid breathing, increased heart rate, and even a brief feeling of panic. It’s more pronounced in some people because their skin nerve endings are more sensitive to temperature changes. The reason you don’t feel this while drinking cold water is that internal exposure doesn’t activate these same skin receptors in the same way. Your ability to tolerate heat well and react strongly to cold may simply reflect your body’s individual temperature regulation pattern. In some cases, heightened responses like this can also be seen in people with mild autonomic overactivity, anxiety tendency, or rarely conditions like cold-induced bronchospasm (where airways react to cold stimulus). Overall, this doesn’t sound dangerous if it’s brief and resolves quickly, but it’s definitely something worth understanding and monitoring.

This is a normal cold shock response from your nervous system your body is just more sensitive to sudden cold on the skin. It’s not a disease or phobia. Try avoiding sudden cold exposure and switch gradually from warm to cool water.

Consult superspecialist for phobia

Can help you, kindly consult and provide detailed history for proper diagnosis and further management

What you are experiencing is a classic physiological phenomenon known as the Cold Shock Response. This is an involuntary reflex of the nervous system triggered by the sudden cooling of the skin, especially in high-sensitivity areas like the chest and head. When cold water hits these areas, it causes an immediate 'gasp' response, rapid breathing (hyperventilation), and an increased heart rate (tachycardia) as your body tries to maintain its core temperature. This is distinctly different from drinking cold liquids, as the internal digestive tract does not have the same density of 'cold-sensitive' thermoreceptors as your skin."

Go for thyroid test.

First check thyroid status. If thats normal, it could be a phobia . Get a consultation to get ur doubt cleared.

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Phobia

It is a natural reaction to cold water on head, chest and back, some have it less, some more. Avoid pouring cold water over them directly. You can rub them with cold water or use lukewarm water over them. Get a thyroid function tests done and share results.

Do consult