Services

GST rate on Individual health insurance

Individual and family health insurance is exempt from GST under GST 2.0.

GST rate

0%

SAC code

997133

Intra-state split

0% CGST + 0% SGST

The GST rate on individual health insurance in India is 0% under GST 2.0, classified under SAC code 997133. For an intra-state sale this is split as 0% CGST and 0% SGST; for an inter-state sale it is charged as a single 0% IGST.

This is a commonly-applicable rate for quick reference under GST 2.0 (effective 22 September 2025). Rates and classifications can change with GST Council notifications — verify the exact rate on the official GST portal before issuing tax invoices.

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