Paying your life or health insurance premium could soon feel more like earning than spending — if done smartly. According to CA Nitin Kaushik, Indian consumers are now missing out on a hidden opportunity to earn thousands in rewards and cashback on their annual insurance payments, thanks to the recent GST exemption and card-linked reward programs. Advertisement

In a post on X (formerly Twitter), Kaushik explained how a “boring” insurance premium can turn into an ₹5,800+ win, with 0% GST and strategic payment choices.

GST-free premiums

Kaushik highlighted that since September 22, 2025, most personal life and health insurance premiums are now GST-free. That means an instant 18% saving simply by renewing after the new rule took effect. “No paperwork needed — just time your payment right,

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