GST委员会将考虑允许雇主对员工保险费申请进项税抵扣，这可能会使保险覆盖范围更加经济实惠。
The GST Council will consider allowing employers to claim input tax credit on premiums for employee insurance, potentially making coverage cheaper.
2026年10月5日 上午8:12:15（印度标准时间） GST委员会预计将在10月7日的会议上审议一项提案，允许雇主就为其员工提供的保险覆盖所支付的保费申请进项税抵扣。
October 5, 2026, 8:12:15 AM IST The GST Council is expected to consider a proposal in its meeting on October 7 to allow employers to claim input tax credit on premiums paid for insurance coverage provided to employees.
根据商品和服务税（GST）法律，个人为自己或家人购买人寿或健康保险单时，GST是免税的。
Under the Goods and Services Tax law, GST is exempt on individuals buying life or health policies for themselves or their family.
然而，当企业为其员工购买人寿或健康保险时，该保险需缴纳税务，且迄今为止企业无法对此申请进项税抵扣（ITC）。目前，所有此类团体保险单均征收18%的GST。
However, when a business buys life or health cover for its employees, tax is charged on that cover, and until now the business could not claim ITC on it. Currently, an 18% GST is levied on all such group insurance policies.
GST委员会现在将审议一项提案，允许企业就购买员工保险覆盖申请抵扣。消息人士称：“这将使每位雇主提供的保险成本更低”。
The GST Council will now consider a proposal to allow businesses to claim credit for buying insurance cover for employees. ”This will make insurance cheaper for every employer to provide”, sources said.
消息人士补充道，几乎所有正规雇主都会为其员工提供保险覆盖，因此提供覆盖的成本将降低，这应有助于扩大保险覆盖范围并惠及保险行业本身。
Almost every organised employer provides cover for its workforce, so the cost of providing the coverage comes down, which should assist the spread of cover and the insurance industry itself, sources added.