Check one life-insurance premium GST line. See whether the notice reads like pure risk, a single-premium annuity, first-year traditional, or a renewal branch.
Why can the same GST rate produce 18%, 4.5%, 2.25% and 1.8% of premium?
Because the rate is 18% on the taxable value, and the taxable value changes by policy branch. If only 25% of the premium is taxable, the GST line on the full premium reads as 4.5%. If only 12.5% is taxable, it reads as 2.25%. The rate did not move; the taxable slice did.
What does this page not cover?
Two important things. First, the branch where the insurer separately intimates how much premium was allocated to investment or savings. That is a policy-specific figure, so the GST line alone cannot recover it. Second, the specific government life-insurance schemes that the services schedule exempts. This page checks the common taxable branches only.
What if my line matches none of the published branches?
Then the notice is probably using a branch this page deliberately does not quote: the separately intimated investment-allocation branch, a specific exempt scheme, or a rider mix. The page tells you when the common published readings do not explain the figure; it does not guess the unquoted one.
Does this page cover health insurance or general insurance?
No. Those are taxed under their own GST treatment. This page is limited to life-insurance premium notices, because the valuation rule it relies on is specific to life insurance business.
Why does the page ask only for the premium before GST and the GST line?
Because those are the two figures the notice reliably gives, and they are enough to recover the taxable share the line implies. The whole point of a verification page is to explain a figure the reader was sent, not to ask them for the insurer's internal product setup.