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GST on Insurance Premium
Check whether GST applies to your policy and how much.
GST on Insurance Premium
GST exemptTotal payable ₹25,000
From 22 September 2025 (GST 2.0), individual life insurance (term, endowment, ULIP) and individual health insurance, including family floaters and senior-citizen policies, are exempt from GST. Group policies and general insurance (motor, home, travel, commercial) remain at 18%. Insurers can no longer claim input tax credit on exempt policies.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
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