Insurance par GST ab zero hai — individual life insurance aur health insurance ke premium par lagne wala 18% GST khatm kar diya gaya hai. 56th GST Council ki meeting (3 September 2025) me ye faisla hua aur 22 September 2025 se laagu hua. Matlab ab ₹100 ke base premium par aapko ₹118 nahi, sirf ₹100 dena hai. Lekin sabse bada sawaal ye hai — kya beema companies ne ye fayda grahakon tak pahunchaya, ya premium badhakar kha gayin? Is guide me faisle ka poora sach, kitna fayda aur 2026 me policy lete samay kya dekhna hai.
hecklistFaisla Kya Hua Tha? — Poori Jaankari
GST Council ne “GST 2.0” reforms ke tahat individual life insurance ki sabhi policies — term life, ULIP aur endowment plans — aur individual health insurance ki sabhi policies — family floater aur senior citizen plans sahit — par GST exempt (nil) kar diya. Inke reinsurance par bhi chhoot mili. Pehle in premiums par 18% GST lagta tha (input tax credit ke saath).
Finance Minister Nirmala Sitharaman ne kaha tha ki ye kadam aam aadmi ke liye beema sasta karega aur desh me insurance coverage badhayega. Council ne ye bhi tay kiya ki 4-slab GST structure (5%, 12%, 18%, 28%) ko 5% aur 18% ke do slabs me rationalize kiya jaayega.
Policyholder Ko Kitna Fayda? — Hisaab
Ganit simple hai: pehle ₹20,000 ke salana premium par ₹3,600 GST jodkar kul ₹23,600 dena padta tha. Ab sirf ₹20,000 — lagbhag 15% ki bachat. Industry experts ka anumaan hai ki isse policy ki effective laagat 15% tak ghat sakti hai, jisse pehli baar beema lene walon ke liye ye aur sulabh hua hai.
Sarkaar ke liye iski keemat bhi badi hai — is chhoot se lagbhag ₹9,900 crore ke revenue ka anumaanit nuksaan hai. Isi wajah se kai states ne chetavni di thi ki beema companies ko “windfall gains” nahi kamane dene chahiye — fayda grahakon tak pahunchna chahiye.
Policy Sach Me Sasti Hui Ya Nahi? — Imaandaar Jawaab
Yahi wo sawaal hai jiska ek jaisa jawaab har company ke liye nahi diya jaa sakta. Finance Minister ne kaha tha — “we will make sure that companies pass on this benefit” — lekin haqiqat ye hai ki 1 April 2025 ke baad koi anti-profiteering mechanism maujood nahi hai jo companies ko majboor kare.
Iska matlab: insurance par GST hataane se tax component to pakka khatm hua, lekin base premium (jo company tay karti hai) badh bhi sakta hai. Kai companies ne poora fayda grahakon ko diya, kuch ne base premium me badlaav kiya. Aap kya karein: apni renewal notice me pichle saal ka premium aur is saal ka base premium compare karein. Agar base premium me asamanya badhotri dikhe, to doosri companies ke quote zaroor lein — 2026 me competition ke kaaran kai insurers aakarshak rates de rahe hain.
Kin Policies Par Laagu Hai, Kin Par Nahi?
- Laagu hai: Individual term life, ULIP, endowment, money-back plans; individual/family floater health insurance; senior citizen health plans.
- Laagu nahi hai: Group/employee insurance policies (company apne karmchariyon ke liye leti hai) — in par abhi bhi 18% GST lagta hai. Haan, GST Council is par vichaar kar rahi hai ki employers ko in premiums par input tax credit (ITC) mile, jisse employer-cover sasta ho sake.
- Motor insurance par bhi 18% GST barkaraar hai — insurance par GST ki ye chhoot sirf life aur health ke liye hai.
2026 Mein Policy Lete Samay Kya Dekhein? — Checklist
1. Base premium compare karein: Sirf kul rashi na dekhein — GST-zero ke baad base premium hi asli keemat hai. 2. Claim settlement ratio: Sasti policy bekaar hai agar claim na mile — company ka CSR check karein. 3. Riders/add-ons: Critical illness ya accidental rider alag se premium par milte hain; zaroorat ke hisaab se chunein. 4. Waiting period aur exclusions: Health policy me pehle se maujood beemariyon ka waiting period padhna na bhoolein.
Renewal Walon Ke Liye Khaas Baat
Agar aapki policy ka renewal 22 September 2025 ke baad hua hai, to aapko GST-zero ka fayda pehle hi mil chuka hoga — renewal receipt me “GST: ₹0” ya “exempt” likha dikhega. 2026 me renewal karte samay pichli receipt se tulna karna na bhoolein: base premium me badhotri GST bachat ko kha sakti hai. Senior citizen plans me to ye chhoot khaas taur par rahat deti hai, kyunki unke premium waise bhi zyada hote hain.
Term insurance aur health insurance ke antar ko gehraai se samajhne ke liye padhein: Term insurance kya hai aur Health insurance kya hai.
GST Council ke official faisle ke liye PIB press release dekhein (56th GST Council, 3 Sep 2025).
Yeh sirf jaankari hai, financial advice nahi hai.