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GST on health and term insurance is now ZERO from September 22, 2025. Get expert clarity on timing, savings, and strategy from Ditto's IRDAI-certified advisors - https://ditto.sh/it224t

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At the 56th GST Council Meeting, Finance Minister Nirmala Sitharaman announced that from 22 September 2025, premiums for health and term insurance will be exempt from GST. On the surface, this looks like an instant 18% discount for everyone. But as always, the fine print matters. Whether you actually benefit depends on when your policy is issued, when coverage begins, and whether you’re buying fresh, renewing, or already locked into a multi-year plan.

In this video, we break down the common scenarios people are asking about, from new purchases and renewals to grace periods and free look cancellations, so you know exactly how the exemption affects you.

What we'll cover in this GST exemption guide:

Direct impact analysis—does GST exemption really mean 18% savings?
New policy scenarios—policy issuance vs risk commencement dates explained
Renewal timing strategies—health vs term insurance differences
Early payment situations—what happens if you've already paid
Grace period implications—risks and benefits of delayed payments
Multi-year policy limitations—why prepaid plans won't get adjustments
Free look period options—should you cancel and repurchase?
Insurer responses—how companies are handling the transition
Decision framework—buy now, wait, or renew early?

By the end of this video, you'll have complete clarity on how to maximize your GST savings while maintaining continuous coverage—or get personalized guidance from Ditto's insurance experts.

Still confused about timing your insurance purchase or renewal around the GST exemption? Book a FREE consultation with Ditto's IRDAI-certified advisors to make the right decision for your specific situation: https://ditto.sh/it224t

Chapters:
0:00 — Introduction: GST Exemption on Health & Term Insurance
0:45 — Does GST Exemption = 18% Direct Savings?
2:08 — Will GST Exemption Apply to Both New Policies and Renewals?
2:25 — If I have already paid my premium, will I get GST exemption?
3:58 — Should I buy Insurance Now or Wait Until 22 September?
5:19 — What if my Renewal Premium is due between now and 22 September?
Early Premium Payments & Refund Expectations
6:53 — My policy renewal date is after 22 September, but I’ve already paid the renewal premium in advance. Will I still get the exemption?
7:20 — I’ve recently bought a new policy, but I’m still in the free look period. Can I cancel and repurchase after 22 September to get the exemption?
8:16 — GST Exemption on multi-year policies.
8:40 — Quick Decision Tables: New Policies & Renewals

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