{"id":546,"date":"2025-09-12T14:38:55","date_gmt":"2025-09-12T09:08:55","guid":{"rendered":"https:\/\/www.caclubindia.com\/guide\/?p=546"},"modified":"2025-09-12T14:38:59","modified_gmt":"2025-09-12T09:08:59","slug":"gst-on-health-insurance","status":"publish","type":"post","link":"https:\/\/www.caclubindia.com\/guide\/gst-on-health-insurance\/","title":{"rendered":"Which Health Insurance Policies Qualify for GST Exemption?"},"content":{"rendered":"\n<p>The Goods and Services Tax (GST) Council\u2019s decision to exempt certain health insurance policies from GST, effective September 22, 2025, has brought relief to policyholders. Previously, health insurance premiums were taxed at 18%, increasing costs for individuals and businesses.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caclubindia.com\/guide\/gst-on-health-insurance\/#Exempted_Policies\" >Exempted Policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caclubindia.com\/guide\/gst-on-health-insurance\/#Non-Exempt_Policies\" >Non-Exempt Policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caclubindia.com\/guide\/gst-on-health-insurance\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exempted_Policies\"><\/span>Exempted Policies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Individual Health Insurance:<\/strong> Policies covering individuals or families, including retail health plans, are exempt from GST. This includes coverage for hospitalization, critical illness, and outpatient treatments.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Government-Sponsored Schemes: <\/strong>Policies under schemes like Ayushman Bharat, PMJAY, or state-level health programs are fully exempt.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Senior Citizen Plans: <\/strong>Health insurance tailored for individuals aged 60 and above qualifies for exemption, addressing affordability for the elderly.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Group Health Insurance for Non-Corporate Entities:<\/strong> Policies provided by non-profit organizations, trusts, or small businesses (turnover below \u20b920 crore) are exempt.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Non-Exempt_Policies\"><\/span>Non-Exempt Policies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Corporate Group Insurance:<\/strong> Group policies offered by companies with a turnover exceeding \u20b920 crore remain taxable at 18% GST.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Add-On Covers:<\/strong> Standalone add-ons (e.g., maternity or wellness benefits) not part of a comprehensive health plan may still attract 18% GST unless bundled with an exempt policy.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Top-Up Plans: <\/strong>High-deductible or super top-up plans are taxable unless explicitly linked to an exempt base policy.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1757667651845\"><strong class=\"schema-faq-question\">What is the effective date for the GST exemption on health insurance in India?<\/strong> <p class=\"schema-faq-answer\">The GST exemption on health insurance premiums is effective from 22nd September 2025, as announced by the GST Council.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757667665811\"><strong class=\"schema-faq-question\">Are corporate health insurance plans exempt?<\/strong> <p class=\"schema-faq-answer\">No, group policies by companies with turnover above \u20b920 crore are taxable at 18% GST.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757667679938\"><strong class=\"schema-faq-question\">What about renewals before September 22, 2025?<\/strong> <p class=\"schema-faq-answer\">Renewals or premiums paid before the effective date are taxed at 18%. No refunds apply.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757667693314\"><strong class=\"schema-faq-question\">Can insurers claim ITC for exempt policies?<\/strong> <p class=\"schema-faq-answer\">No, ITC is not available for inputs related to exempt policies, which may impact premium costs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757667707506\"><strong class=\"schema-faq-question\">Are critical illness plans exempt?<\/strong> <p class=\"schema-faq-answer\">Yes, if part of an individual or family health insurance policy, they are exempt.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1757667723474\"><strong class=\"schema-faq-question\">What if my top-up plan is taxed?<\/strong> <p class=\"schema-faq-answer\">Top-up plans are taxable unless linked to an exempt base policy.<\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Goods and Services Tax (GST) Council\u2019s decision to exempt certain health insurance policies from GST, effective September 22, 2025, [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":547,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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