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.
IST to EST Conversion. Time zone conversion tool that allows you to find the time difference between IST and EST. Time Difference between IST and EST is 9 Hours 30 Minutes. IST-Indian Standard Time, the time zone used in India. EST-Eastern Standard Time(USA), the time zone used in United States- New York.
This means that IST (India Standard Time) is five hours and thirty minutes ahead of GMT (Greenwich Mean Time). The time there as of this post is ~12:39, which means GMT is ~07:09.