Modi Sarkar ka bada kadam? Health Insurance se GST hat sakta hai

Modi Sarkar ka bada kadam? Health Insurance se GST hat sakta hai – 40 crore log le payenge sasta cover!

Health Insurance ke premium har saal badh rahe hain, aur medical mehngai ne aam aadmi ko pareshaan kiya hua hai. Ab baat chal rahi hai ki Health Insurance premium par lagta 18% GST hata diya jaaye. Agar aisa hota hai to iska seedha asar croreon logon ki jeb par padega.

Health Insurance se GST hat sakta hai – 40 crore log le payenge sasta cover!

🤔 Abhi kya scene hai?

Filhaal health insurance premium par 18% GST lagta hai. Matlab agar premium ₹20,000 hai to ₹3,600 sirf tax chala jata hai. Isi cost ki wajah se bahut bade hisse ke paas abhi bhi cover nahi hai.

📊 Experts kya keh rahe hain?

Kai industry experts bol rahe hain ki GST hatte hi adoption tez hoga. Retail health insurance pehle hi strong growth dikha raha hai; affordability milte hi aur families cover lenge.

💥 Agar GST hat gaya to kya hoga?

👉 Premium turant sasta – 18% tak ki bachat possible.
👉 Coverage badhega – middle-income families bhi asaani se policies le payengi.
👉 Risk spread behtar – zyada log insured hone se claim dynamics stable honge.
👉 Digital policies ka adoption aur tez.

⚠️ Industry ki tension

Insurers ko Input Tax Credit (ITC) ka nuksan ho sakta hai, jisse unke margins par pressure aa sakta hai. Question ye hai ki policyholders tak pure benefit kaise pahunchaya jaayega.

✅ Consumers ke liye quick tips

Renewal nazdeek hai? Market update dekh kar decision lo.
Multi-year policy par extra saving mil sakti hai (loading/discount check karo).
Tax + Health cover combo – Section 80D ka benefit miss mat karo.

🌀 Bottom Line

Agar Health Insurance se GST hata to ye aam aadmi ke liye game-changer hoga. Coverage affordable hoga, protection badhegi, aur emergency me jeb par load kam padega.

❓ FAQs – Log kya puchte hain

Abhi Health Insurance par kitna GST hai?
18%.
GST hatne par premium kitna ghatega?
Policy ke hisaab se ~18% tak.
Middle class ko sabse zyada fayda?
Haan, affordability improve hogi.
Senior citizens ko kya relief?
High premium segment me bhi direct bachat.
Medical inflation ka kya?
Inflation rahega, par GST relief net cost kam kar dega.
Corporate (employer) cover bhi sasta hoga?
Likely, group policies me bhi impact dikhega.
Insurers premium badha denge kya?
ITC loss ki wajah se kuch adjustment ho sakta hai, par net me relief expected.
Digital cashless claim par koi asar?
Adoption aur fast ho sakta hai.
Rural aur tier-2/3 me penetration?
Affordability badhne se coverage badhega.
80D tax benefit ke saath kaise plan karein?
Family floater + parents add karke optimum deduction lo.
Renewal kab tak roke?
Hard stop mat karo; grace/expiry miss na ho. Market update dekhkar move lo.
Top-ups par bhi impact?
Haan, top-up/super top-up cost bhi kam hogi.
Pre-existing disease wale kya karein?
Waiting period/Co-pay terms compare karke hi switch ya renew.
Claim rejection se bachne ka basic rule?
Proposal form me full & true disclosure.
Family floater vs individual?
Young families ke liye floater value-for-money hota hai.

Modi Sarkar ka bada kadam? Health Insurance se GST hat sakta hai – 40 crore log le payenge sasta cover!