GST on Insurance: GST Parishad ne recently vyaktigat swasthya aur jeevan beema premium par 18% GST ko hatakar ise zero kar diya hai. Yeh faisla 22 September 2025 se laagu hoga. Aam taur par yeh ummeed ki jati hai ki GST hatne se beema policy ki laagt mein 18% tak ki kami aayegi. Lekin udyog experts ka kehna hai ki Input Tax Credit (ITC) ki absence ke wajah se beema companies tariff mein 3-5% ki vriddhi kar sakti hain. Natijan, swasthya aur jeevan beema ki laagt mein expected rahat nahi milegi, aur policy ki keematein 5% tak badh sakti hain. Is article mein hum is faisle ke prabhav, ganit aur aapke liye iska matlab samjhayenge.
GST Zero Hone ka Kya Hai Pura Mamla?
GST Parishad ne vyaktigat swasthya aur jeevan beema premium ko 18% GST slab se hatakar zero slab mein shamil kiya hai. Yeh kadam consumers ke liye beema ko sasta karne ke uddeshya se liya gaya hai. Halaanki, experts ka manna hai ki Input Tax Credit (ITC) ke nuksan ke wajah se beema companies is rahat ko completely customers tak nahi pahuncha payengi. Kotak Institutional Equities ki ek report ke mutabik, companies apne margin ko banaye rakhne ke liye tariff mein 3-5% ki vriddhi kar sakti hain.
Input Tax Credit (ITC) Kya Hai aur Kyun Hai Important?
ITC ki Definition
Input Tax Credit (ITC) ek aisi vyavastha hai, jo businesses ko unke dwara kharidi gayi goods ya services par chukaye gaye GST ko unki sales par lagne wale GST ke khilaf adjust karne ki anumati deti hai. Iska uddeshya double taxation ko rokna aur final consumer ke liye cost ko kam karna hai.
Beema Companies par ITC ka Prabhav
Vartaman mein, beema companies distribution commission, reinsurance, promotion, aur doosre operational expenses par ITC ka labh uthati hain. GST hatne ke baad:
- Reinsurance services bhi GST se mukt ho jayengi, jisse companies ko kuch rahat milegi.
- Lekin doosri services jaise marketing, IT, aur office operations par chukaye gaye GST ka credit ab available nahi hoga.
- Chunki sarkar ne beema ke liye Inverted Duty Structure ko notify nahi kiya hai, companies ITC ka claim nahi kar payengi.
Iske parinamaswaroop, companies ko cost badhne ka samna karna padega, jise ve tariff vriddhi ke zariye customers par daal sakti hain.
Beema Premium par GST Zero Hone ka Ganit
Vartaman Sthiti
Swasthya aur jeevan beema policies par abhi 18% GST laagu hai.
Udaharan: ₹10,000 ke premium par ₹1,800 GST dena padta hai, jisse total cost ₹11,800 ho jati hai.
GST Hatne ke Baad
22 September 2025 se GST zero ho jayega.
Lekin ITC ke nuksan ki bharpai ke liye companies tariff mein 3-5% ki vriddhi kar sakti hain.
Naya Ganit:
- ₹10,000 ki base premium policy par 5% tariff vriddhi = ₹10,500.
- GST hatne se koi extra tax nahi.
- Total cost: ₹10,500 (18% ki jagah 12-15% ki effective saving).
Nishkarsh: GST hatne se policyholders ko 18% ki puri saving ke bajay sirf 12-15% ki rahat milegi.
Beema Policy ki Laagt par Kya Hoga Asar?
Swasthya Beema
Swasthya beema ki laagt mein 12-15% ki kami aa sakti hai, lekin yeh 18% se kam hai.
Udaharan: ₹20,000 ki policy par pehle ₹3,600 GST lagta tha. Ab 5% tariff vriddhi ke saath policy ki laagt ₹21,000 ho sakti hai, jisse effective saving sirf ₹2,600 (13%) hogi.
Jeevan Beema
Jeevan beema policies par bhi yahi prabhav padega, khas kar term insurance aur ULIP jaise products par.
Lambi avadhi ki policies mein yeh laagt vriddhi zyada prabhav daal sakti hai.
Consumers ke Liye Iska Matlab
- Limited Saving: GST hatne se expected jaisi rahat nahi milegi.
- Mehngi Policy: Tariff vriddhi ke wajah se kuch policyholders ko pehle se zyada kharch karna pad sakta hai.
- Regional Impact: Grameen aur chhote shehron mein, jahan beema ki demand badh rahi hai, yeh laagt vriddhi consumers ko affect kar sakti hai.
Experts Kya Kehte Hain?
Kotak Institutional Equities: “ITC ke nuksan se beema companies ki laagt badhegi, jise ve tariff vriddhi ke zariye customers par daal sakti hain. Effective saving 12-15% tak seemit rahegi.”
Udyog Experts: GST hatne se beema ki pahunch badh sakti hai, lekin tariff vriddhi is labh ko kam kar sakti hai. Companies ko naye products aur offers laane ki zarurat hogi.
Yeh Bhi Padhein
- Flipkart SBI Credit Card: Festive Shopping ke Liye Best Choice? Cashback, Rewards aur Puri Details
Consumers ke Liye Suggestions
- Policy ki Comparison Karein: Nayi policy lene se pehle alag-alag beema companies ke tariff aur offers ki tulna karein.
- Current Policy Check Karein: Agar aapki existing policy par premium badhta hai, to doosri company mein switch karne par vichar karein.
- Financial Advice Lein: Beema kharidne se pehle certified financial planner se consult karein.
- Festive Offers ka Labh: Big Billion Days jaise sales mein beema products par discount ki talash karein.
Disclaimer: Is article mein di gayi information experts ke views aur available data par based hai. Beema ya financial decision lene se pehle certified expert se salah lein.
