The amount you pay in a calendar year before your health plan begins to pay. For instance, if your deductible is $2,000, you must pay that amount out-of-pocket for covered health services before your insurer begins paying your health care costs.
Time zone conversion tool that allows you to find the time difference between IST and EST. IST-Indian Standard Time, the time zone used in India. EST-Eastern Standard Time(USA), the time zone used in United States- New York. IST 09:11 AM, 08th April-2017, Saturday.
Offset: IST is 5 hours and 30 minutes ahead Greenwich Mean Time (GMT) and is used in Asia. Countries: It is used in following countries: India. Principal Cities: The largest city in the IST timezone is Mumbai from India with population about 12.692 million people.