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GST Ho Sakta Hai Zero? Health & Life Insurance Premiums Par Badi Rahat!
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| GST Ho Sakta Hai Zero? Health & Life Insurance Premiums Par Badi Rahat |
Socho, agar aap apna health ya life insurance renew kar rahe ho aur 18% GST ka extra charge hata diya jaye… Kitni bachat hogi! Abhi tak premiums par 18% GST lagta hai, jo policyholders ke liye kaafi mehenga padta hai.
Ab ek Group of Ministers ne recommend kiya hai ki insurance premiums ko GST se pura exempt kar diya jaye. Agar ye proposal approve ho gaya, to aapke monthly ya annual premium par turant asar dikhne lagega. Ye ek aisi khabar hai jo har policyholder ke liye directly relevant hai.
Policyholders Ke Liye Matlab Kya Hai?
Aapko ab policy lene ya renew karne par kam paisa dena padega. Example: Agar aapka premium ₹20,000 hai, to abhi us par ₹3,600 GST lagta hai. Agar exemption lag gayi, to wahi policy sirf ₹20,000 me milegi – seedhi bachat!
Lekin Ek Twist Bhi Hai…
Experts kehte hain ki kuch insurers base premium thoda badha sakte hain. Lekin overall post-tax cost fir bhi kam hi hogi. Matlab aapko fir bhi net benefit milega. Yani consumer ke liye deal positive hi rahegi.
Decision Kab Tak Aayega?
Is proposal par final decision September–October GST Council meeting me liya jayega. Agar sab approve ho gaya, to Diwali tak insurance premiums par GST zero ho sakta hai.
People Also Ask (FAQs)
- 1. Health Insurance par abhi kitna GST lagta hai?
Abhi 18% GST lagta hai health aur life insurance premiums par. - 2. Agar GST exemption mil gaya to kitni bachat hogi?
Example: ₹20,000 premium par ₹3,600 ki bachat turant hogi. - 3. Kya insurers premiums badha sakte hain?
Haan, kuch insurers base premium thoda adjust kar sakte hain. - 4. Final decision kab aayega?
September–October 2025 GST Council meeting me. - 5. Kya ye exemption permanent hoga?
Abhi sirf proposal hai, approval ke baad hi clarity aayegi. - 6. Senior citizens ko kya fayda hoga?
Premiums kam hone se unke liye health cover aur affordable ho jayega. - 7. Life insurance par bhi GST hat jayega?
Haan, proposal me life insurance bhi included hai. - 8. Kya naye buyers ko turant benefit milega?
Haan, jaisi hi notification aayegi, naye aur existing dono buyers ko fayda hoga. - 9. Insurance lena abhi sahi hai ya baad me?
Agar urgent need hai to abhi le lo, warna Diwali ke aas paas rates aur kam ho sakte hain. - 10. Kya ye proposal already approve ho gaya hai?
Nahi, abhi recommend hua hai, final approval pending hai. - 11. Premiums kam hone se coverage par impact hoga?
Nahi, coverage terms same rahenge, sirf price impact hoga. - 12. Kya term insurance par bhi GST hata sakte hain?
Haan, proposal me term life insurance bhi included hai. - 13. Ye change kab implement hoga?
GST Council approve karte hi turant notification aa jayegi. - 14. GST cut se family floaters par kitna effect hoga?
Large family floater plans par bachat aur bhi zyada hogi. - 15. Kya ye sirf India ke liye hoga?
Haan, ye sirf Indian insurance market par applicable hoga.