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.
Answer Wiki. Only one time zone known as IST(Indian Standard Time). Its GMT +5:30Hrs i.e., 5:30 hrs ahead of GMT (Greenwich Mean Time). India does not have any Daylight Saving Time & Seasonal adjustments. IST is calculated on the basis of 82.5Â° E longitude, in Shankargarh Fort, Mirzapur (25.15Â°N 82.58Â°E) near Allahabad in Uttar Pradesh.