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Health Insurance3 min read
Pre-existing disease waiting periods dropped to three years. And the five-year rule that matters more
IRDAI cut the maximum pre-existing disease waiting period from four years to three, removed the age cap on buying cover, and lifted AYUSH sub-limits. The moratorium clause is the one nobody talks about.
SmartTech Insurance
Regulatory Updates2 min read
Health insurance premiums lost 18% GST. What that actually saved you
Individual health insurance premiums became GST-exempt on 22 September 2025, removing 18% from every retail policy. The saving is real but not evenly distributed, and it changes the maths on raising your cover.