TOLL FREE NUMBER- 1800 425 2255/1800 102 4477

1800 425 2255/1800 102 4477

Family Health Optima Insurance Plan

  • Single policy, wider coverage for whole family at an affordable premium.
  • Get extra sum insured (auto recharge) at no extra cost, up to 30%  of sum insured.
  • Health Checkup costs up to Rs.5,000/- for every block of 3 years of policy coverage.
  • Automatic restoration of entire Sum insured by 100%.
  • New-born baby cover from 16th day.
  • Donor expenses for organ transplantation.
  • Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
  • Cover for over 400 day care procedures.

IRDA/NL-HLT/SHAI/P-H/V.II/129/14-15

Recharge Benefit

Recharge Benefit:
This benefit provides additional indemnity upto specified limits, when the sum insured under the policy is exhausted / exceeded. This can be utilized for any claim payable under the policy.

 

More than 400 Day Care procedures

 

Expenses incurred towards cost of Health Check up

 

Coverage for New born Baby

 

Coverage for Domiciliary hospitalization treatments

 

Donor expenses for organ transplantation

 

Bonus:
Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum insured shall not be reduced.

 

Automatic Restoration of Sum Insured:
Immediately upon exhaustion of the limit of coverage during the policy period, there shall be an automatic restoration of the basic sum insured by 100% where the sum insured is Rs.3,00,000/- and above.

 

Policy Benefits:

  • Hospitalisation Cover Protects the insured for in - patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
  • Ambulance charges for emergency transportation upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period.
  • Pre Hospitalisation expenses upto 60 days prior to admission in the hospital.
  • Post Hospitalisation expenses upto 90 days after discharge from the hospital.

Eligibility

  • Any person aged between 18 years and 65 years, residing in India, can take this insurance.
  • Beyond 65 years, It can be renewed for life time.
  • Lifelong renewal. This policy is on floater basis.
  • Child from 16th day of age can be covered as part of the family.
  • The entire sum insured floats among all covered persons.
  • Family : Proposer, spouse, dependent children from 16 days up to 25 years (those who are economically dependent on their parents)

General Terms

Co-Payment:
A co-payment of 20% of each and every claim applicable for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years.

 

Pre-Existing Diseases/Illness:
Coverage available after 48 months of continuous insurance without break with any Indian insurance company.

 

Pre- Acceptance medical screening:
Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers, cost of which is currently borne by the company.

 

Tax Benefits:
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

 

Free Look Period:
A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening , stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

 

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDA.

Star Advantage

  • No Third Party Administrator, direct in-house claim settlement.
  • Faster and hassle free claim settlement.
  • Network of more than 7800 hospitals across India.
  • Facility for maintaining personal health records in electronic format.

NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call toll free no 1800 425 2255/1800 102 4477.

Premium Chart

Premium Chart for Zone 1 ( Excluding Service Tax)
Zone 1 means Delhi including National Capital Region, Mumbai including Thane and the State of Gujarat
Plan Age in years / S.I. (in Rs.) 2 LACS 3 LACS 4 LACS 5 LACS 10 LACS 15 LACS
2A 16days-35 5,595 5,895 6,770 7,535 9,800 11,610
36-45 6,955 7,320 8,120 9,165 11,915 14,120
46-50 10,595 11,150 11,640 14,500 18,850 22,335
51-55 13,240 13,940 14,550 18,125 23,565 27,920
56-60 15,890 16,725 17,460 21,750 28,275 33,505
61-65 20,655 21,745 22,700 26,100 33,930 40,205
66-70 24,785 26,090 27,240 31,320 40,715 48,250
71-75 29,745 31,310 32,685 37,585 48,860 57,900
76-80 35,690 37,570 39,220 45,100 58,630 69,480
Above 80 42,830 45,085 47,065 54,120 70,355 83,375
2A+1C 16days-35 6,930 7,295 8,315 9,850 12,215 14,475
36-45 8,070 8,495 9,500 10,850 14,105 16,715
46-50 11,400 12,000 13,230 15,750 20,475 24,265
51-55 14,250 15,000 16,440 19,690 25,595 30,330
56-60 17,100 18,000 19,725 23,625 30,715 36,395
61-65 22,230 23,400 24,655 28,350 36,855 43,675
66-70 26,675 28,080 29,590 34,020 44,225 52,410
71-75 32,010 33,695 35,505 40,825 53,070 62,890
76-80 38,415 40,435 42,605 48,990 63,685 75,465
Above 80 46,095 48,520 51,125 58,785 76,425 90,560
2A+2C 16days-35 8,885 9,355 10,225 12,350 15,560 18,440
36-45 10,160 10,695 11,300 13,500 17,550 20,795
46-50 13,205 13,900 14,995 17,950 23,335 27,650
51-55 16,505 17,375 18,445 22,440 29,170 34,565
56-60 19,810 20,850 22,135 26,925 35,005 41,480
61-65 23,770 25,020 26,560 32,310 42,005 49,775
66-70 28,525 30,025 31,870 38,770 50,405 59,730
71-75 34,225 36,030 38,245 46,525 60,485 71,675
76-80 41,075 43,235 45,895 55,830 72,580 86,010
Above 80 49,285 51,880 55,075 67,000 87,095 103210
2A+3C 16days-35 10,220 10,760 11,760 14,200 18,465 21,205
36-45 11,685 12,300 12,995 15,525 20,185 23,915
46-50 15,185 15,985 17,245 20,645 26,835 31,800
51-55 18,980 19,980 20,890 25,805 33,545 39,750
56-60 22,780 23,975 25,110 30,965 40,255 47,700
61-65 27,335 28,775 30,545 37,155 48,305 57,240
66-70 32,800 34,530 36,650 44,590 57,965 68,690
71-75 39,360 41,435 43,980 53,505 69,555 82,425
76-80 47,235 49,720 52,780 64,205 83,470 98,910
Above 80 56,680 59,665 63,335 77,050 100160 118690
1A+1C 16days-35 5,040 5,305 6,095 6,785 8,820 10,450
36-45 5,785 6,090 6,910 7,790 10,130 12,710
46-50 8,905 9,375 9,635 12,235 15,905 20,105
51-55 10,935 11,510 11,930 14,900 19,370 24,970
56-60 13,865 14,595 14,995 18,490 24,035 30,155
61-65 18,590 19,570 20,230 23,490 30,535 36,185
66-70 22,310 23,480 24,275 28,190 36,645 43,425
71-75 26,770 28,180 29,130 33,825 43,975 52,110
76-80 32,125 33,815 34,955 40,590 52,770 62,530
Above 80 38,550 40,575 41,945 48,710 63,320 75,035
1A+2C 16days-35 6,235 6,565 7,485 8,865 11,525 13,025
36-45 7,005 7,375 8,550 9,645 12,540 15,045
46-50 10,195 10,730 11,490 14,175 18,430 21,835
51-55 12,825 13,500 13,940 17,720 23,035 27,295
56-60 15,390 16,200 17,040 20,290 26,375 32,755
61-65 20,005 21,060 22,190 25,515 33,170 39,305
66-70 24,010 25,270 26,630 30,620 39,805 47,165
71-75 28,810 30,325 31,955 36,740 47,765 56,600
76-80 34,570 36,390 38,345 44,090 57,315 67,920
Above 80 41,485 43,670 46,015 52,910 68,780 81,505
1A+3C 16days-35 7,940 8,360 9,205 11,735 14,300 16,595
36-45 8,695 9,150 9,570 12,825 15,675 18,715
46-50 11,505 12,110 12,520 17,055 22,170 24,885
51-55 13,905 14,640 15,055 20,195 26,250 31,110
56-60 16,860 17,745 18,175 23,200 30,155 37,330
61-65 21,390 22,520 23,405 29,080 37,805 44,795
66-70 25,670 27,020 28,085 34,895 45,365 53,755
71-75 30,805 32,425 33,700 41,875 54,435 64,505
76-80 36,965 38,910 40,440 50,250 65,325 77,410
Above 80 44,360 46,695 48,530 60,300 78,390 92,890

Premium Chart for Zone 2 ( Excluding Service Tax)
Zone 2 means Bangalore, Chennai, Coimbatore, Kerala and Pune
Plan Age in years / S.I. (in Rs.) 2 LACS 3 LACS 4 LACS 5 LACS 10 LACS 15 LACS
2A 16days-35 4,510 5,010 6,095 6,405 8,820 10,450
36-45 5,600 6,225 7,310 7,790 10,725 12,710
46-50 8,530 9,480 10,475 12,325 16,965 20,105
51-55 10,660 11,845 13,595 15,405 21,205 25,130
56-60 13,505 14,215 16,215 18,490 25,450 30,155
61-65 17,925 18,480 20,430 23,490 30,535 36,185
66-70 22,975 23,480 24,515 26,620 36,645 43,425
71-75 27,335 28,180 29,415 31,945 43,975 52,110
76-80 32,800 33,815 35,300 38,335 52,770 62,530
Above 80 39,360 40,575 42,360 46,005 63,320 75,035
2A+1C 16days-35 5,580 6,200 7,485 8,375 10,995 13,025
36-45 6,500 7,220 8,550 9,225 12,695 15,045
46-50 9,180 10,200 11,905 13,390 18,430 21,835
51-55 11,475 12,750 14,795 16,735 23,035 27,295
56-60 14,380 15,300 18,740 21,265 27,640 32,755
61-65 19,295 19,890 22,190 24,100 33,170 39,305
66-70 24,730 25,270 26,630 27,310 39,805 47,165
71-75 29,415 30,325 31,955 32,775 47,765 56,600
76-80 35,300 36,390 38,345 39,325 57,315 67,920
Above 80 42,360 43,670 46,015 47,195 68,780 81,505
2A+2C 16days-35 7,155 7,950 9,205 10,500 14,005 16,595
36-45 7,700 8,555 10,170 11,475 15,795 18,715
46-50 10,635 11,815 13,495 15,260 21,000 24,885
51-55 13,290 14,770 16,600 19,070 26,250 31,110
56-60 16,305 17,725 19,920 22,885 31,500 37,330
61-65 20,630 21,265 23,905 27,465 37,805 44,795
66-70 26,440 27,020 28,685 31,125 45,365 53,755
71-75 31,455 32,425 34,420 37,350 54,435 64,505
76-80 37,745 38,910 41,305 44,820 65,325 77,410
Above 80 45,295 46,695 49,565 53,785 78,390 92,890
2A+3C 16days-35 8,230 9,145 10,585 12,070 16,615 19,085
36-45 9,410 10,455 11,695 13,195 18,165 21,525
46-50 12,230 13,585 15,520 17,545 24,150 28,620
51-55 14,385 15,985 18,800 21,935 30,190 35,775
56-60 18,225 19,180 22,600 26,320 36,230 42,930
61-65 22,865 24,455 27,490 31,585 43,475 51,515
66-70 29,310 31,075 32,985 35,795 52,170 61,820
71-75 34,865 37,290 39,585 42,955 62,600 74,185
76-80 41,840 44,750 47,500 51,545 75,120 89,020
Above 80 50,205 53,695 57,000 61,850 90,145 106825
1A+1C 16days-35 3,820 4,245 5,485 5,765 7,935 9,405
36-45 4,190 4,870 6,220 6,625 9,115 11,440
46-50 6,225 7,500 8,670 10,400 14,315 18,095
51-55 7,550 9,205 10,735 12,590 17,435 22,470
56-60 9,980 11,675 13,495 15,715 21,630 27,140
61-65 14,970 16,635 18,205 19,965 27,485 32,570
66-70 19,185 21,135 21,845 22,630 32,980 39,080
71-75 22,825 25,360 26,215 27,155 39,575 46,900
76-80 27,390 30,435 31,460 32,585 47,490 56,275
Above 80 32,865 36,520 37,750 39,100 56,990 67,530
1A+2C 16days-35 5,025 5,580 6,735 7,535 10,370 11,725
36-45 5,580 6,270 7,695 8,200 11,285 13,540
46-50 7,640 8,585 10,345 12,050 16,585 19,655
51-55 9,290 10,800 12,545 15,060 20,730 24,565
56-60 11,290 13,770 15,335 17,245 23,735 29,480
61-65 15,880 17,900 19,970 21,690 29,855 35,375
66-70 20,350 22,745 23,965 24,580 35,825 42,450
71-75 24,210 27,295 28,760 29,495 42,990 50,940
76-80 29,050 32,755 34,510 35,395 51,585 61,130
Above 80 34,860 39,305 41,415 42,475 61,900 73,355
1A+3C 16days-35 6,395 7,105 8,280 9,975 12,870 14,935
36-45 6,590 7,320 8,615 10,390 14,105 16,845
46-50 8,885 9,870 11,270 13,640 19,950 22,400
51-55 10,735 11,930 13,400 16,460 23,625 28,000
56-60 12,870 14,460 16,265 19,020 27,140 33,595
61-65 16,845 19,140 21,065 24,715 34,020 40,315
66-70 21,590 24,320 25,275 28,015 40,825 48,380
71-75 25,680 29,185 30,330 33,615 48,990 58,055
76-80 30,820 35,020 36,395 40,340 58,790 69,665
Above 80 36,980 42,025 43,675 48,405 70,550 83,600

Premium Chart for Zone 3 ( Excluding Service Tax)
Zone 3 means Rest of India excluding areas falling under Zones 1 and 2
Plan Age in years / S.I. (in Rs.) 2 LACS 3 LACS 4 LACS 5 LACS 10 LACS 15 LACS
2A 16days-35 4,060 4,510 5,485 5,765 7,935 9,405
36-45 5,040 5,600 6,580 7,015 9,655 11,440
46-50 7,675 8,530 9,430 11,095 15,270 18,095
51-55 9,595 10,660 12,235 13,865 19,085 22,615
56-60 12,155 12,795 14,595 16,640 22,905 27,140
61-65 16,135 16,635 18,385 21,140 27,485 32,570
66-70 20,680 21,605 22,060 23,960 32,980 39,080
71-75 24,600 25,360 26,475 28,750 39,575 46,900
76-80 29,520 30,435 31,770 34,500 47,490 56,275
Above 80 35,425 36,520 38,125 41,405 56,990 67,530
2A+1C 16days-35 5,025 5,580 6,735 7,535 9,895 11,725
36-45 5,850 6,500 7,695 8,300 11,425 13,540
46-50 8,260 9,180 10,715 12,050 16,585 19,655
51-55 10,330 11,475 13,315 15,060 20,730 24,565
56-60 12,945 13,770 16,865 19,135 24,875 29,480
61-65 17,365 17,900 19,970 21,690 29,855 35,375
66-70 22,255 23,250 23,965 24,580 35,825 42,450
71-75 26,475 27,295 28,760 29,495 42,990 50,940
76-80 31,770 32,755 34,510 35,395 51,585 61,130
Above 80 38,125 39,305 41,415 42,475 61,900 73,355
2A+2C 16days-35 6,440 7,155 8,280 9,450 12,605 14,935
36-45 6,930 7,700 9,155 10,330 14,215 16,845
46-50 9,570 10,635 12,145 13,730 18,900 22,400
51-55 11,965 13,290 14,940 17,165 23,625 28,000
56-60 14,675 15,950 17,925 20,600 28,350 33,595
61-65 18,565 19,140 21,515 24,715 34,020 40,315
66-70 23,795 24,860 25,815 28,015 40,825 48,380
71-75 28,310 29,185 30,980 33,615 48,990 58,055
76-80 33,970 35,020 37,175 40,340 58,790 69,665
Above 80 40,765 42,025 44,610 48,405 70,550 83,600
2A+3C 16days-35 7,405 8,230 9,525 10,865 14,955 17,175
36-45 8,470 9,410 10,525 11,875 16,350 19,370
46-50 11,005 12,230 13,970 15,790 21,735 25,760
51-55 12,950 14,385 16,920 19,740 27,170 32,195
56-60 16,400 17,265 20,340 23,685 32,605 38,635
61-65 20,580 22,010 24,740 28,425 39,125 46,365
66-70 26,380 28,590 29,690 32,215 46,950 55,635
71-75 31,380 33,560 35,625 38,660 56,340 66,765
76-80 37,655 40,275 42,750 46,390 67,610 80,115
Above 80 45,185 48,330 51,300 55,665 81,130 96,140
1A+1C 16days-35 3,435 3,820 4,935 5,190 7,145 8,465
36-45 3,770 4,385 5,595 5,960 8,205 10,295
46-50 5,605 6,750 7,805 9,360 12,885 16,285
51-55 6,795 8,285 9,665 11,330 15,690 20,225
56-60 8,985 10,505 12,145 14,145 19,465 24,425
61-65 13,475 14,970 16,385 17,970 24,735 29,310
66-70 17,270 19,445 21,040 21,790 29,680 35,175
71-75 20,540 22,825 25,245 26,150 35,620 42,210
76-80 24,650 27,390 30,295 31,380 42,740 50,650
Above 80 29,580 32,865 36,355 37,655 51,290 60,780
1A+2C 16days-35 4,520 5,025 6,060 6,780 9,335 10,550
36-45 5,020 5,640 6,925 7,380 10,155 12,185
46-50 6,875 7,725 9,310 10,845 14,925 17,690
51-55 8,360 9,720 11,290 13,555 18,660 22,110
56-60 10,160 12,395 13,800 15,520 21,365 26,530
61-65 14,290 16,110 17,975 19,520 26,865 31,840
66-70 18,315 20,925 23,080 23,670 32,240 38,205
71-75 21,790 24,565 27,695 28,405 38,690 45,845
76-80 26,145 29,475 33,235 34,085 46,425 55,015
Above 80 31,375 35,375 39,880 40,900 55,710 66,020
1A+3C 16days-35 5,755 6,395 7,455 8,975 11,580 13,445
36-45 5,930 6,590 7,750 9,350 12,695 15,160
46-50 7,995 8,885 10,140 12,280 17,955 20,160
51-55 9,665 10,735 12,060 14,810 21,265 25,200
56-60 11,585 13,015 14,640 17,120 24,425 30,235
61-65 15,160 17,225 18,955 22,245 30,620 36,285
66-70 19,430 22,375 24,340 26,975 36,745 43,540
71-75 23,115 26,265 29,210 32,370 44,095 52,250
76-80 27,735 31,520 35,050 38,845 52,910 62,700
Above 80 33,285 37,820 42,060 46,615 63,495 75,240
Premium Chart for Zone 1 ( Including Service Tax @ 15%) 
Zone 1 means Delhi including National Capital Region, Mumbai including Thane and the State of Gujarat
Plan Age in years / S.I. (in Rs.) 2 LACS 3 LACS 4 LACS 5 LACS 10 LACS 15 LACS
2A 16days-35 6,434 6,779 7,786 8,665 11,270 13,352
36-45 7,998 8,418 9,338 10,540 13,702 16,238
46-50 12,184 12,823 13,386 16,675 21,678 25,685
51-55 15,226 16,031 16,733 20,844 27,100 32,108
56-60 18,274 19,234 20,079 25,013 32,516 38,531
61-65 23,753 25,007 26,105 30,015 39,020 46,236
66-70 28,503 30,004 31,326 36,018 46,822 55,488
71-75 34,207 36,007 37,588 43,223 56,189 66,585
76-80 41,044 43,206 45,103 51,865 67,425 79,902
Above 80 49,255 51,848 54,125 62,238 80,908 95,881
2A+1C 16days-35 7,970 8,389 9,562 11,328 14,047 16,646
36-45 9,281 9,769 10,925 12,478 16,221 19,222
46-50 13,110 13,800 15,215 18,113 23,546 27,905
51-55 16,388 17,250 18,906 22,644 29,434 34,880
56-60 19,665 20,700 22,684 27,169 35,322 41,854
61-65 25,565 26,910 28,353 32,603 42,383 50,226
66-70 30,676 32,292 34,029 39,123 50,859 60,272
71-75 36,812 38,749 40,831 46,949 61,031 72,324
76-80 44,177 46,500 48,996 56,339 73,238 86,785
Above 80 53,009 55,798 58,794 67,603 87,889 104,144
2A+2C 16days-35 10,218 10,758 11,759 14,203 17,894 21,206
36-45 11,684 12,299 12,995 15,525 20,183 23,914
46-50 15,186 15,985 17,244 20,643 26,835 31,798
51-55 18,981 19,981 21,212 25,806 33,546 39,750
56-60 22,782 23,978 25,455 30,964 40,256 47,702
61-65 27,336 28,773 30,544 37,157 48,306 57,241
66-70 32,804 34,529 36,651 44,586 57,966 68,690
71-75 39,359 41,435 43,982 53,504 69,558 82,426
76-80 47,236 49,720 52,779 64,205 83,467 98,912
Above 80 56,678 59,662 63,336 77,050 100,159 118,692
2A+3C 16days-35 11,753 12,374 13,524 16,330 21,235 24,386
36-45 13,438 14,145 14,944 17,854 23,213 27,502
46-50 17,463 18,383 19,832 23,742 30,860 36,570
51-55 21,827 22,977 24,024 29,676 38,577 45,713
56-60 26,197 27,571 28,877 35,610 46,293 54,855
61-65 31,435 33,091 35,127 42,728 55,551 65,826
66-70 37,720 39,710 42,148 51,279 66,660 78,994
71-75 45,264 47,650 50,577 61,531 79,988 94,789
76-80 54,320 57,178 60,697 73,836 95,991 113,747
Above 80 65,182 68,615 72,835 88,608 115,184 136,494
1A+1C 16days-35 5,796 6,101 7,009 7,803 10,143 12,018
36-45 6,653 7,004 7,947 8,959 11,650 14,617
46-50 10,241 10,781 11,080 14,070 18,291 23,121
51-55 12,575 13,237 13,720 17,135 22,276 28,716
56-60 15,945 16,784 17,244 21,264 27,640 34,678
61-65 21,379 22,506 23,265 27,014 35,115 41,613
66-70 25,657 27,002 27,916 32,419 42,142 49,939
71-75 30,786 32,407 33,500 38,899 50,571 59,927
76-80 36,944 38,887 40,198 46,679 60,686 71,910
Above 80 44,333 46,661 48,237 56,017 72,818 86,290
1A+2C 16days-35 7,170 7,550 8,608 10,195 13,254 14,979
36-45 8,056 8,481 9,833 11,092 14,421 17,302
46-50 11,724 12,340 13,214 16,301 21,195 25,110
51-55 14,749 15,525 16,031 20,378 26,490 31,389
56-60 17,699 18,630 19,596 23,334 30,331 37,668
61-65 23,006 24,219 25,519 29,342 38,146 45,201
66-70 27,612 29,061 30,625 35,213 45,776 54,240
71-75 33,132 34,874 36,748 42,251 54,930 65,090
76-80 39,756 41,849 44,097 50,704 65,912 78,108
Above 80 47,708 50,221 52,917 60,847 79,097 93,731
1A+3C 16days-35 9,131 9,614 10,586 13,495 16,445 19,084
36-45 9,999 10,523 11,006 14,749 18,026 21,522
46-50 13,231 13,927 14,398 19,613 25,496 28,618
51-55 15,991 16,836 17,313 23,224 30,188 35,777
56-60 19,389 20,407 20,901 26,680 34,678 42,930
61-65 24,599 25,898 26,916 33,442 43,476 51,514
66-70 29,521 31,073 32,298 40,129 52,170 61,818
71-75 35,426 37,289 38,755 48,156 62,600 74,181
76-80 42,510 44,747 46,506 57,788 75,124 89,022
Above 80 51,014 53,699 55,810 69,345 90,149 106,824

Premium Chart for Zone 2 ( Including Service Tax @ 15%)
Zone 2 means Bangalore, Chennai, Coimbatore, Kerala and Pune
Plan Age in years / S.I. (in Rs.) 2 LACS 3 LACS 4 LACS 5 LACS 10 LACS 15 LACS
2A 16days-35 5,187 5,762 7,009 7,366 10,143 12,018
36-45 6,440 7,159 8,407 8,959 12,334 14,617
46-50 9,810 10,902 12,046 14,174 19,510 23,121
51-55 12,259 13,622 15,634 17,716 24,386 28,900
56-60 15,531 16,347 18,647 21,264 29,268 34,678
61-65 20,614 21,252 23,495 27,014 35,115 41,613
66-70 26,421 27,002 28,192 30,613 42,142 49,939
71-75 31,435 32,407 33,827 36,737 50,571 59,927
76-80 37,720 38,887 40,595 44,085 60,686 71,910
Above 80 45,264 46,661 48,714 52,906 72,818 86,290
2A+1C 16days-35 6,417 7,130 8,608 9,631 12,644 14,979
36-45 7,475 8,303 9,833 10,609 14,599 17,302
46-50 10,557 11,730 13,691 15,399 21,195 25,110
51-55 13,196 14,663 17,014 19,245 26,490 31,389
56-60 16,537 17,595 21,551 24,455 31,786 37,668
61-65 22,189 22,874 25,519 27,715 38,146 45,201
66-70 28,440 29,061 30,625 31,407 45,776 54,240
71-75 33,827 34,874 36,748 37,691 54,930 65,090
76-80 40,595 41,849 44,097 45,224 65,912 78,108
Above 80 48,714 50,221 52,917 54,274 79,097 93,731
2A+2C 16days-35 8,228 9,143 10,586 12,075 16,106 19,084
36-45 8,855 9,838 11,696 13,196 18,164 21,522
46-50 12,230 13,587 15,519 17,549 24,150 28,618
51-55 15,284 16,986 19,090 21,931 30,188 35,777
56-60 18,751 20,384 22,908 26,318 36,225 42,930
61-65 23,725 24,455 27,491 31,585 43,476 51,514
66-70 30,406 31,073 32,988 35,794 52,170 61,818
71-75 36,173 37,289 39,583 42,953 62,600 74,181
76-80 43,407 44,747 47,501 51,543 75,124 89,022
Above 80 52,089 53,699 57,000 61,853 90,149 106,824
2A+3C 16days-35 9,465 10,517 12,173 13,881 19,107 21,948
36-45 10,822 12,023 13,449 15,174 20,890 24,754
46-50 14,065 15,623 17,848 20,177 27,773 32,913
51-55 16,543 18,383 21,620 25,225 34,719 41,141
56-60 20,959 22,057 25,990 30,268 41,665 49,370
61-65 26,295 28,123 31,614 36,323 49,996 59,242
66-70 33,707 35,736 37,933 41,164 59,996 71,093
71-75 40,095 42,884 45,523 49,398 71,990 85,313
76-80 48,116 51,463 54,625 59,277 86,388 102,373
Above 80 57,736 61,749 65,550 71,128 103,667 122,849
1A+1C 16days-35 4,393 4,882 6,308 6,630 9,125 10,816
36-45 4,819 5,601 7,153 7,619 10,482 13,156
46-50 7,159 8,625 9,971 11,960 16,462 20,809
51-55 8,683 10,586 12,345 14,479 20,050 25,841
56-60 11,477 13,426 15,519 18,072 24,875 31,211
61-65 17,216 19,130 20,936 22,960 31,608 37,456
66-70 22,063 24,305 25,122 26,025 37,927 44,942
71-75 26,249 29,164 30,147 31,228 45,511 53,935
76-80 31,499 35,000 36,179 37,473 54,614 64,716
Above 80 37,795 41,998 43,413 44,965 65,539 77,660
1A+2C 16days-35 5,779 6,417 7,745 8,665 11,926 13,484
36-45 6,417 7,211 8,849 9,430 12,978 15,571
46-50 8,786 9,873 11,897 13,858 19,073 22,603
51-55 10,684 12,420 14,427 17,319 23,840 28,250
56-60 12,984 15,836 17,635 19,832 27,295 33,902
61-65 18,262 20,585 22,966 24,944 34,333 40,681
66-70 23,403 26,157 27,560 28,267 41,199 48,818
71-75 27,842 31,389 33,074 33,919 49,439 58,581
76-80 33,408 37,668 39,687 40,704 59,323 70,300
Above 80 40,089 45,201 47,627 48,846 71,185 84,358
1A+3C 16days-35 7,354 8,171 9,522 11,471 14,801 17,175
36-45 7,579 8,418 9,907 11,949 16,221 19,372
46-50 10,218 11,351 12,961 15,686 22,943 25,760
51-55 12,345 13,720 15,410 18,929 27,169 32,200
56-60 14,801 16,629 18,705 21,873 31,211 38,634
61-65 19,372 22,011 24,225 28,422 39,123 46,362
66-70 24,829 27,968 29,066 32,217 46,949 55,637
71-75 29,532 33,563 34,880 38,657 56,339 66,763
76-80 35,443 40,273 41,854 46,391 67,609 80,115
Above 80 42,527 48,329 50,226 55,666 81,133 96,140

Premium Chart for Zone 3 ( Including Service Tax @ 15%)
Zone 3 means Rest of India excluding areas falling under Zones 1 and 2
Plan Age in years / S.I. (in Rs.) 2 LACS 3 LACS 4 LACS 5 LACS 10 LACS 15 LACS
2A 16days-35 4,669 5,187 6,308 6,630 9,125 10,816
36-45 5,796 6,440 7,567 8,067 11,103 13,156
46-50 8,826 9,810 10,845 12,759 17,561 20,809
51-55 11,034 12,259 14,070 15,945 21,948 26,007
56-60 13,978 14,714 16,784 19,136 26,341 31,211
61-65 18,555 19,130 21,143 24,311 31,608 37,456
66-70 23,782 24,846 25,369 27,554 37,927 44,942
71-75 28,290 29,164 30,446 33,063 45,511 53,935
76-80 33,948 35,000 36,536 39,675 54,614 64,716
Above 80 40,739 41,998 43,844 47,616 65,539 77,660
2A+1C 16days-35 5,779 6,417 7,745 8,665 11,379 13,484
36-45 6,728 7,475 8,849 9,545 13,139 15,571
46-50 9,499 10,557 12,322 13,858 19,073 22,603
51-55 11,880 13,196 15,312 17,319 23,840 28,250
56-60 14,887 15,836 19,395 22,005 28,606 33,902
61-65 19,970 20,585 22,966 24,944 34,333 40,681
66-70 25,593 26,738 27,560 28,267 41,199 48,818
71-75 30,446 31,389 33,074 33,919 49,439 58,581
76-80 36,536 37,668 39,687 40,704 59,323 70,300
Above 80 43,844 45,201 47,627 48,846 71,185 84,358
2A+2C 16days-35 7,406 8,228 9,522 10,868 14,496 17,175
36-45 7,970 8,855 10,528 11,880 16,347 19,372
46-50 11,006 12,230 13,967 15,790 21,735 25,760
51-55 13,760 15,284 17,181 19,740 27,169 32,200
56-60 16,876 18,343 20,614 23,690 32,603 38,634
61-65 21,350 22,011 24,742 28,422 39,123 46,362
66-70 27,364 28,589 29,687 32,217 46,949 55,637
71-75 32,557 33,563 35,627 38,657 56,339 66,763
76-80 39,066 40,273 42,751 46,391 67,609 80,115
Above 80 46,880 48,329 51,302 55,666 81,133 96,140
2A+3C 16days-35 8,516 9,465 10,954 12,495 17,198 19,751
36-45 9,741 10,822 12,104 13,656 18,803 22,276
46-50 12,656 14,065 16,066 18,159 24,995 29,624
51-55 14,893 16,543 19,458 22,701 31,246 37,024
56-60 18,860 19,855 23,391 27,238 37,496 44,430
61-65 23,667 25,312 28,451 32,689 44,994 53,320
66-70 30,337 32,879 34,144 37,047 53,993 63,980
71-75 36,087 38,594 40,969 44,459 64,791 76,780
76-80 43,303 46,316 49,163 53,349 77,752 92,132
Above 80 51,963 55,580 58,995 64,015 93,300 110,561
1A+1C 16days-35 3,950 4,393 5,675 5,969 8,217 9,735
36-45 4,336 5,043 6,434 6,854 9,436 11,839
46-50 6,446 7,763 8,976 10,764 14,818 18,728
51-55 7,814 9,528 11,115 13,030 18,044 23,259
56-60 10,333 12,081 13,967 16,267 22,385 28,089
61-65 15,496 17,216 18,843 20,666 28,445 33,707
66-70 19,861 22,362 24,196 25,059 34,132 40,451
71-75 23,621 26,249 29,032 30,073 40,963 48,542
76-80 28,348 31,499 34,839 36,087 49,151 58,248
Above 80 34,017 37,795 41,808 43,303 58,984 69,897
1A+2C 16days-35 5,198 5,779 6,969 7,797 10,735 12,133
36-45 5,773 6,486 7,964 8,487 11,678 14,013
46-50 7,906 8,884 10,707 12,472 17,164 20,344
51-55 9,614 11,178 12,984 15,588 21,459 25,427
56-60 11,684 14,254 15,870 17,848 24,570 30,510
61-65 16,434 18,527 20,671 22,448 30,895 36,616
66-70 21,062 24,064 26,542 27,221 37,076 43,936
71-75 25,059 28,250 31,849 32,666 44,494 52,722
76-80 30,067 33,896 38,220 39,198 53,389 63,267
Above 80 36,081 40,681 45,862 47,035 64,067 75,923
1A+3C 16days-35 6,618 7,354 8,573 10,321 13,317 15,462
36-45 6,820 7,579 8,913 10,753 14,599 17,434
46-50 9,194 10,218 11,661 14,122 20,648 23,184
51-55 11,115 12,345 13,869 17,032 24,455 28,980
56-60 13,323 14,967 16,836 19,688 28,089 34,770
61-65 17,434 19,809 21,798 25,582 35,213 41,728
66-70 22,345 25,731 27,991 31,021 42,257 50,071
71-75 26,582 30,205 33,592 37,226 50,709 60,088
76-80 31,895 36,248 40,308 44,672 60,847 72,105
Above 80 38,278 43,493 48,369 53,607 73,019 86,526
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