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.
India's Time Zones were established in 1884. Originally there were two Time Zones, the Bombay Time and Calcutta Time. Bombay continued to have a different time (39 minutes behind IST) until 1955. IST, which is GMT plus 5.30 hrs, came into existence in 1905. In certain time-zone maps, IST is also designated E*.