इंश्योरेंस पॉलिसी खरीदने वालों को लगा झटका

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वित्तमंत्री निर्मला सीतारमण ने पिछले बजट में टैक्स-सेविंग के लिए लाइफ इंश्योरेंस पॉलिसी खरीदने वालों को झटका दिया था

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लाइफ इंश्योरेंस पॉलिसी की मैच्योरिटी पर मिलने वाला पैसा टैक्स-फ्री होता था

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बजट 2023 में वित्तमंत्री ने कहा था कि सालाना 5 लाख रुपये से ज्यादा प्रीमियम वाली लाइफ इंश्योरेंस पॉलिसी का मैच्योरिटी अमाउंट टैक्सेबल होगा

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वित्तमंत्री निर्मला सीतारमण के इस ऐलान से इंश्योरेंस कंपनियों को भी बड़ा झटका लगा था

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1 अप्रैल, 2023 से पहले लाइफ इंश्योरेंस पॉलिसी की मैच्योरिटी पर बोनस सहित मिलने वाली पूरी रकम इनकम टैक्स एक्ट के सेक्शन 10 के तहत टैक्स-फ्री होती थी

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ULIP पॉलिसीज पर भी पहले टैक्स-छूट मिलती थी. लेकिन इसे फाइनेंस एक्ट, 2021 में खत्म कर दिया गया था

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अब नियम यह है कि सिर्फ व्यक्ति की Death की स्थिति को छोड़कर 1 फरवरी, 2021 को या उसके बाद जारी की गई ULIP पॉलिसी का प्रीमियम 2.5 लाख रुपये से ज्यादा है तो उस पर टैक्स लगेगा

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उसके बाद जारी की गई ULIP पॉलिसी का प्रीमियम 2.5 लाख रुपये से ज्यादा है तो उस पर टैक्स लगेगा

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अगर एक से ज्यादा पॉलिसीज हैं तो उन सभी पॉलिसीज का प्रीमियम 2.5 लाख रुपये से कम होना चाहिए

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बजट 2023 में लाइफ इंश्योरेंस पॉलिसी के मैच्योरिटी अमाउंट पर टैक्स Exemption वापस लेने की एक बड़ी वजह थी

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अमीर लोग इस Exemption का दुरूपयोग कर रहे थे

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सेक्शन 10 के तहत मिलने वाले इस Exemption का फायदा उठाने के लिए वे ज्यादा प्रीमिमय वाली पॉलिसी को खरीदते थे

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पॉलिसी के मैच्योरिटी अमाउंट पर वे Exemption क्लेम करते थे. इस दुरूपयोग को रोकने के लिए वित्तमंत्री ने Exemption हटाया था

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