Guide

Exemption of GST on individual life and health insurance policies

Department of Financial Services · Ministry of Finance Free Beginner India

The Finance Ministry's own questions and answers on the GST exemption for individual life and health insurance from 22 September 2025.

  • GST on individual life and health policies, family floaters included, fell from 18% to nil on 22 September 2025.
  • Group policies, including employer group health and group term, still carry 18%.
  • The rate follows the date the premium is paid, so renewals paid on or after 22 September 2025 are exempt.
Open on financialservices.gov.in ↗

Curated reading that points you to the sources, not personalised investment advice.

It answers 3 questions

  1. What insurance does a founder actually need?
  2. How much health insurance should my family have in India?
  3. Can I just rely on the group health cover my startup gives the team?

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