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Use GST savings to top up basic life cover with rider
Financial Express Delhi
|November 24, 2025
RIDER PREMIUM IS LESS THAN THE BASE PRICE & MAKES THE COVER COMPREHENSIVE
FOLLOWING THE REMOVAL of Goods and Service tax (GST) on life insurance premiums, individuals are upgrading their coverage by adding riders such as critical illness and waiver of premium for extra protection.
Rider attachment has grown to 30.9% in October from 29.6% in August and unchanged in September, data from Policybazaar show.
Buying a rider with the GST savings is a smart move compared to increasing the base cover of the term insurance. The premium for the rider is lower than the base price and it makes the cover comprehensive.
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