18% GST on insurance a barrier, negatively impacts Indians’ affordability: HDFC ERGO’s Parthanil Ghosh

Health insurance GST: Parthanil Ghosh of HDFC ERGO noted that the 18% GST on health insurance premiums has increased costs, affecting affordability. He suggested that reducing or exempting GST could lower premiums and improve penetration rates. Other challenges include financial literacy, trust issues, and the lack of a healthcare regulator, despite increased awareness post-pandemic.


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