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Star First Comprehensive

Health Section
  • No cap on room rent and treatment cost.
  • Covers medical expenses incurred on Bariatric surgical procedures and its complications.
  • Air ambulance assistance, Second medical opinion are covered.
  • Cost of health check up for every block of 3 claim free years.
  • Cover for maternity (normal and caesarean delivery) and New born baby.
  • Automatic restoration of entire Sum insured by 100%.
  • Out-Patient cover (Including  Dental / Ophthalmic)
  • Hospital cash benefit.
  • Cover for over 400 day care procedures.
  • Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.
Life Section
  • Sum assured is payable in case of the death of the policyholder during the policy term. 

SHAHLIP18036V021718

Recharge Benefit

Hospitalization:
  • Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist fees, Diagnostics, Anaesthesia, Blood, Oxygen, Operation Theatre charges, implants, Cost of Medicines and Drugs.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
  • Pre hospitalization expenses up to 30 days prior to admission in the hospital
  • Post hospitalization expenses up to 60 days after discharge from the hospital
  • Coverage for Domiciliary hospitalization for a period exceeding three days.
  • Out-patient consultation (other than dental and ophthalmic) expenses up to limits mentioned in the table - Schedule of benefits
Special Features
  • Delivery and New Born Baby Cover : Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy will apply.
  • Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically)
  • Vaccination expenses for the New Born upto Rs.1000/- payable. 
  • Outpatient Dental, Ophthalmic treatment : Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.
  • Hospital Cash benefit for each completed day of hospitalization.
  • Cost of Health Check up once after a block of every three claim-free years
Bariatric Surgery
  • Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2,50,000/- during the policy period.
  • This maximum limit of Rs.2,50,000/- is inclusive of pre-hospitalization and post hospitalization expenses.
  • Claim under this section shall be processed only on cashless basis.
  • Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force
Accidental Death and Permanent Total Disablement
  • Cover against Accidental Death
  • The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident
  • The sum insured for this section is equal to the sum insured opted for the Health insurance.
Option for Second Medical Opinion
  • The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners
  • Medical records can be sent to the mail id  e_medicalopinion@starhealth.in
Automatic Restoration of Sum Insured (Applicable for Hospitalization Section Only)​
  • Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / diseases unrelated to the illness / diseases for which claim/s was / were made.

Bonus (Applicable for Health Section Only)​:  Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.

 

Life Section

Pure Term Life Insurance Cover- this section pays the nominee the stated sum assured in case of the death of the policyholder during the policy term of contract.

 

SCHEDULE OF BENEFTIS

 

S.No

Sum Insured (INR)

5 lacs

7.5 lacs

10 lacs

15 lacs

20 lacs

25 lacs

1

Room, Boarding and Nursing charges

Single Standard A/C

Single Standard A/c

Single Standard A./c

Single Standard A/c

Single Standard A/c

Single Standard A/c

2

ICU/Operation Theatre Charges

Actual

Actual

Actual

Actual

Actual

Actual

3

Ambulance Charges – By Road (per policy period)

Up to 2,000/-

Up to 3,000/-

Up to 3,500/-

Up to 4,000/-

Up to 4,500/-

Up to 5,000/-

4

Air Ambulance (per policy period)

Not Available

Up to 10% of Sum Insured

Up to 10% of Sum Insured

Up to 10% of Sum Insured

Up to 10% of Sum Insured

Up to 10% of Sum Insured

5

Pre Hospitalisation Expenses incurred

Up to 30 days

Up to 30 days

Up to 30 days

Up to 30 days

Up to 30 days

Up to 30 days

6

Post Hospitalisation Expenses incurred

Up to 60 days

Up to 60 days

Up to 60 days

Up to 60 days

Up to 60 days

Up to 60 days

7a.

Delivery Charges – Normal Delivery

10,000/-

20,000/-

25,000/-

25,000/-

25,000/-

25,000/-

7b.

Delivery Charges – Caesarean Section

15,000/-

40,000/-

40,000/-

40,000/-

40,000/-

40,000/-

8

Waiting Period for Delivery

36 months for first delivery from first inception of the policy

36 months for first delivery from first inception of the policy

36 months for first delivery from first inception of the policy

36 months for first delivery from first inception of the policy

36 months for first delivery from first inception of the policy

36 months for first delivery from first inception of the policy

24 months from claim under 7a or 7b for next delivery

24 months from claim under 7a or 7 b for next delivery

24 months from claim under 7a or 7 b for next delivery

24 months from claim under 7a or 7 b for next delivery

24 months from claim under 7a or 7 b for next delivery

24 months from claim under 7a or 7 b for next delivery

9

Coverage for New Born Child (Subject to a valid claim under 7a or 7b above)

Up to 50,000/-

Up to 1,00,000/-

Up to 1,00,000/-

Up to 1,00,000/-

Up to 1,00,000/-

Up to 1,00,000/-

10

Vaccination Expenses for New Born (Subject to a valid claim under 7a or 7b above)

Up to 1,000/-

Up to 1,000/-

Up to 1,000/-

Up to 1,000/-

Up to 1,000/-

Up to 1,000/-

11

Out Patient Dental/Ophthalmic Coverage- Once in a block of every 3 years of continuous renewal

Up to 5,000/-

Up to 5,000/-

Up to 10,000/-

Up to 10,000/-

Up to 10,000/-

Up to 10,000/-

12

Out Patient Medical Consultation Coverage other than Out Patient Dental/ Ophthalmic

Up to 1,200/- (per Consultation limit Rs.300/-)

Up to 1,500/-(per consultation limit Rs.300/-)

Up to 2,100/- (per consultation limit Rs.300/-)

Up to 2,400/-(per consultation limit Rs.300/-)

Up to 3,000/-(per consultation limit Rs.300/-)

Up to 3,3 00/-(per consultation limit Rs.300/-)

13

Hospital Cash upto 7 days per occurrence & upto 120 days per policy period. (1 day time excess)

500/- per day

750/- per day

750/- per day

1000/- per day

1000/- per day

1500/- per day

14

Health Check Up once in a block of every 3 claim free years of continuous renewal

Up to 5,000/-

Up to 7,500/-

Up to 7,500/-

Up to 12,000/-

Up to 12,000/-

Up to 12,000/-

15

Restoration benefit after exhaustion of sum insured

100% (once during policy period)

100%(once during policy period)

100% (once during policy period)

100% (Once during policy period)

100%(Once during policy period)

100% (once during policy period)

16

Bariatric Surgery (per policy period)

2,50,000/-

2,50,000/-

2,50,000/-

2,50,000/-

2,50,000/-

2,50,000/-

17

Cover for Accidental Death and Permanent Total Disablement

5,00,000/-

7,50,000/-

10,00,000/-

15,00,000/-

20,00,000/-

25,00,000/-

Eligibility

For Health Benefits:

Entry age between 18 years and 65 years. Dependent children can be covered from 3 months  to 25 yrs. There is no exit age for health cover.

 

For Life Benefits

Entry age between 18 years and 60 years. The Life Insurance Benefit is offered only for the primary life insured. Medical underwriting will be applicable for eligible persons above 50 years of age. The Plan term is 5 years (fixed) and maximum age at the end of the plan term is 65 years

 

Beyond 65 years renewal can be only for health cover under any health indemnity policy offered by Star Health

General Terms

Co-Payment (Applicable for Health Section only):
10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.

 

Pre-Acceptance Medical Screening for both Health and Life Sections:
Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.

 

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

Amount paid for this Life section insurance is eligible for relief under Section 80C of the Income Tax Act.

 

Free look period for both Health and Life Sections:

The policy can be cancelled within 15 days from the date of receipt of the policy. In case Policyholder has bought this plan through distance marketing mode, he/she may cancel the Plan within 30 days from the date of receipt of the policy. However, the company reserves the right to deduct medical examination fees, cancellation fee*, stamp duty charges for issue of the policy and proportionate risk premium for the period concerned.


* Cancellation fee is not applicable for Pure Term Life Insurance Coverage.

 

Free look cancellation is not applicable at the time of renewal of the policy.

 

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

Star Advantage

  • No third Party Administrator, direct in-house claim settlement.
  • Faster & hassle-free claim settlement.
  • Cashless hospitalization wherever possible.
  • Network of more than 8400+ hospitals across India.
  • 24x7 Toll Free Helpline.
  • Information on health through free health magazine.
  • 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 Rating(Excluding Tax) Health Section
Sum Insured Rs.5,00,000
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 7015 8075 13200 16100 18700 25750 35315 41410 54235
1A+1C 9180 10120 14240 16190 19700 31420 39280 51070 66400
1A+2C 10950 12020 19480 20510 23580 36990 46240 60120 78160
1A+3C 15590 17060 23460 26900 30270 41360 51700 67210 87380
2A 10420 12120 22400 23640 28560 38800 48500 63050 81970
2A+1C 13170 14340 23540 25810 31070 49800 62250 80930 105210
2A+2C 14800 16410 25390 28170 33330 53400 66750 86780 112820
2A+3C 17000 19150 28510 31200 36430 56000 70000 91000 118300
Premium Rating(Including Tax @ 18%) Health Section
Sum Insured Rs.5,00,000
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 8278 9529 15576 18998 22066 30385 41672 48864 63997
1A+1C 10832 11942 16803 19104 23246 37076 46350 60263 78352
1A+2C 12921 14184 22986 24202 27824 43648 54563 70942 92229
1A+3C 18396 20131 27683 31742 35719 48805 61006 79308 103108
2A 12296 14302 26432 27895 33701 45784 57230 74399 96725
2A+1C 15541 16921 27777 30456 36663 58764 73455 95497 124148
2A+2C 17464 19364 29960 33241 39329 63012 78765 102400 133128
2A+3C 20060 22597 33642 36816 42987 66080 82600 107380 139594

Premium Rating(Excluding Tax) Health Section
Sum Insured Rs.7,50,000
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 8540 10125 16865 19635 22885 30625 40830 49255 64190
1A+1C 11340 12340 17170 20600 26880 37660 47080 61210 79580
1A+2C 13330 14490 23330 24600 29470 44059 55080 71610 93100
1A+3C 18990 20620 28840 33550 38010 49066 61340 79750 103680
2A 13310 16330 28020 29520 35670 47030 58790 76430 99360
2A+1C 16660 18450 29320 32280 38310 59235 74050 96270 125160
2A+2C 18480 20260 31500 34950 41350 64384 80480 104630 136020
2A+3C 21020 22980 34470 38380 45430 66731 83420 108450 140990
Premium Rating(Including Tax @ 18%) Health Section
Sum Insured Rs.7,50,000
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 10077 11948 19901 23169 27004 36138 48179 58121 75744
1A+1C 13381 14561 20261 24308 31718 44439 55554 72228 93904
1A+2C 15729 17098 27529 29028 34775 51990 64994 84500 109858
1A+3C 22408 24332 34031 39589 44852 57898 72381 94105 122342
2A 15706 19269 33064 34834 42091 55495 69372 90187 117245
2A+1C 19659 21771 34598 38090 45206 69897 87379 113599 147689
2A+2C 21806 23907 37170 41241 48793 75973 94966 123463 160504
2A+3C 24804 27116 40675 45288 53607 78743 98436 127971 166368

Premium Rating(Excluding Tax) Health Section
Sum Insured Rs.10,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 9725 11775 19865 22395 26170 34295 44745 55170 71625
1A+1C 13250 14670 20710 24590 32300 44972 56220 73090 95020
1A+2C 15000 16540 26920 29040 35060 47226 59040 76760 99790
1A+3C 20950 23030 33250 39250 44900 60670 75840 98600 128180
2A 15560 18840 33860 35830 43470 57270 71590 93070 121000
2A+1C 19110 21510 34910 38750 45540 72987 91240 118620 154210
2A+2C 20920 23520 37090 41610 49570 77414 96770 125810 163560
2A+3C 23630 26210 39480 44000 54150 81103 101380 131800 171340
Premium Rating(Including Tax @ 18%) Health Section
Sum Insured Rs.10,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 11476 13895 23441 26426 30881 40468 52799 65101 84518
1A+1C 15635 17311 24438 29016 38114 53067 66340 86246 112124
1A+2C 17700 19517 31766 34267 41371 55727 69667 90577 117752
1A+3C 24721 27175 39235 46315 52982 71591 89491 116348 151252
2A 18361 22231 39955 42279 51295 67579 84476 109823 142780
2A+1C 22550 25382 41194 45725 53737 86125 107663 139972 181968
2A+2C 24686 27754 43766 49100 58493 91349 114189 148456 193001
2A+3C 27883 30928 46586 51920 63897 95702 119628 155524 202181

Premium Rating(Excluding Tax) Health Section
Sum Insured Rs.15,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 12225 14275 22365 26410 30985 40610 49335 61935 79810
1A+1C 16230 18400 25710 29590 37300 51472 61770 80310 104410
1A+2C 19000 21540 31920 34040 42060 53726 64480 83830 108980
1A+3C 26450 29530 43250 50250 58900 73170 87810 114160 148410
2A 19560 22840 37860 40330 47970 61770 74130 96370 125290
2A+1C 23760 26510 39910 44250 51040 81737 98090 127520 165780
2A+2C 25560 28520 42090 46610 55070 86164 103400 134420 174750
2A+3C 30630 33210 46480 51500 65150 93603 112330 146030 189840
Premium Rating( Including Tax @ 18%) Health Section
Sum Insured Rs.15,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 14426 16845 26391 31164 36562 47920 58215 73083 94176
1A+1C 19151 21712 30338 34916 44014 60737 72889 94766 123204
1A+2C 22420 25417 37666 40167 49631 63397 76086 98919 128596
1A+3C 31211 34845 51035 59295 69502 86341 103616 134709 175124
2A 23081 26951 44675 47589 56605 72889 87473 113717 147842
2A+1C 28037 31282 47094 52215 60227 96450 115746 150474 195620
2A+2C 30161 33654 49666 55000 64983 101674 122012 158616 206205
2A+3C 36143 39188 54846 60770 76877 110452 132549 172315 224011

Premium Rating( Excluding Tax) Health Section
Sum Insured Rs.20,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 14100 16150 24435 29875 34920 44780 51730 64940 83680
1A+1C 18730 20900 28210 32590 40300 58431 70120 91160 118510
1A+2C 21630 24810 34920 37040 45560 76588 91910 119490 155340
1A+3C 29810 33640 48250 55250 64400 94745 113700 147810 192160
2A 22560 25840 40860 43330 50970 64770 77730 101050 131370
2A+1C 26760 29510 42910 47450 54540 97237 116690 151700 197210
2A+2C 28560 31520 45090 50110 58570 101664 122000 158600 206180
2A+3C 35090 37710 50980 56000 70650 109103 130930 170210 221280
Premium Rating(Including Tax @ 18%) Health Section
Sum Insured Rs.20,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 16638 19057 28833 35253 41206 52840 61041 76629 98742
1A+1C 22101 24662 33288 38456 47554 68949 82742 107569 139842
1A+2C 25523 29276 41206 43707 53761 90374 108454 140998 183301
1A+3C 35176 39695 56935 65195 75992 111799 134166 174416 226749
2A 26621 30491 48215 51129 60145 76429 91721 119239 155017
2A+1C 31577 34822 50634 55991 64357 114740 137694 179006 232708
2A+2C 33701 37194 53206 59130 69113 119964 143960 187148 243292
2A+3C 41406 44498 60156 66080 83367 128742 154497 200848 261110

Premium Rating(Excluding Tax) Health Section
Sum Insured Rs.25,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 15265 17615 26215 32140 37665 47555 53885 67655 87180
1A+1C 21130 23900 31210 35590 43300 73931 88720 115340 149950
1A+2C 24130 27810 37920 40040 49560 94088 112910 146790 190830
1A+3C 33310 37340 52250 59250 69400 112245 134700 175110 227650
2A 25060 28340 43360 46030 53670 67470 80970 105270 136860
2A+1C 29260 32010 45410 50150 57240 114737 137690 179000 232700
2A+2C 31260 34220 47790 53110 61570 119164 143000 185900 241670
2A+3C 39110 41710 54980 60500 76150 126603 151930 197510 256770
Premium Rating(Including Tax @ 18%) Health Section
Sum Insured Rs.25,00,000 
Plan Type  Age Band (Years) RENEWALS ONLY
3m-35 36-45 46-50 51-55 56-60 61-65 66-70 71-75 Above
 75yrs
1A 18013 20786 30934 37925 44445 56115 63584 79833 102872
1A+1C 24933 28202 36828 41996 51094 87239 104690 136101 176941
1A+2C 28473 32816 44746 47247 58481 111024 133234 173212 225179
1A+3C 39306 44061 61655 69915 81892 132449 158946 206630 268627
2A 29571 33441 51165 54315 63331 79615 95545 124219 161495
2A+1C 34527 37772 53584 59177 67543 135390 162474 211220 274586
2A+2C 36887 40380 56392 62670 72653 140614 168740 219362 285171
2A+3C 46150 49218 64876 71390 89857 149392 179277 233062 302989

Premium for female lives ( excluding Tax)
Age at entry/Sum Assured 300000 400000 500000 600000 700000 800000 900000 1000000 1100000 1200000 1300000 1400000 1500000
18 1170 1560 1950 2340 2730 3120 3510 1360 1496 1632 1768 1904 2040
19 1170 1560 1950 2340 2730 3120 3510 1360 1496 1632 1768 1904 2040
20 1170 1560 1950 2340 2730 3120 3510 1360 1496 1632 1768 1904 2040
21 1170 1560 1950 2340 2730 3120 3510 1360 1496 1632 1768 1904 2040
22 1179 1572 1965 2358 2751 3144 3537 1389 1528 1667 1806 1944 2083
23 1185 1580 1975 2370 2765 3160 3555 1412 1553 1694 1835 1976 2117
24 1191 1588 1985 2382 2779 3176 3573 1429 1572 1715 1858 2001 2143
25 1194 1592 1990 2388 2786 3184 3582 1442 1587 1731 1875 2019 2164
26 1197 1596 1995 2394 2793 3192 3591 1453 1599 1744 1890 2035 2180
27 1200 1600 2000 2400 2800 3200 3600 1464 1610 1756 1903 2049 2195
28 1206 1608 2010 2412 2814 3216 3618 1474 1622 1769 1916 2064 2211
29 1209 1612 2015 2418 2821 3224 3627 1487 1635 1784 1933 2081 2230
30 1212 1616 2020 2424 2828 3232 3636 1503 1653 1803 1953 2104 2254
31 1218 1624 2030 2436 2842 3248 3654 1523 1675 1827 1980 2132 2284
32 1227 1636 2045 2454 2863 3272 3681 1549 1703 1858 2013 2168 2323
33 1236 1648 2060 2472 2884 3296 3708 1581 1739 1897 2055 2213 2371
34 1248 1664 2080 2496 2912 3328 3744 1621 1783 1945 2107 2269 2431
35 1263 1684 2105 2526 2947 3368 3789 1669 1836 2002 2169 2336 2503
36 1281 1708 2135 2562 2989 3416 3843 1726 1899 2071 2244 2416 2589
37 1302 1736 2170 2604 3038 3472 3906 1794 1973 2152 2332 2511 2690
38 1323 1764 2205 2646 3087 3528 3969 1872 2059 2247 2434 2621 2808
39 1737 2316 2895 3474 4053 4632 5211 2094 2304 2513 2723 2932 3142
40 1770 2360 2950 3540 4130 4720 5310 2201 2421 2641 2861 3081 3301
41 1806 2408 3010 3612 4214 4816 5418 2323 2555 2787 3020 3252 3484
42 1848 2464 3080 3696 4312 4928 5544 2464 2710 2956 3203 3449 3696
43 1899 2532 3165 3798 4431 5064 5697 2626 2889 3152 3414 3677 3940
44 1956 2608 3260 3912 4564 5216 5868 2814 3096 3377 3658 3940 4221
45 2022 2696 3370 4044 4718 5392 6066 3030 3333 3636 3939 4242 4545
46 2097 2796 3495 4194 4893 5592 6291 3286 3614 3943 4271 4600 4928
47 2181 2908 3635 4362 5089 5816 6543 3573 3930 4287 4644 5002 5359
48 2280 3040 3800 4560 5320 6080 6840 3898 4287 4677 5067 5457 5847
49 3009 4012 5015 6018 7021 8024 9027 4466 4913 5359 5806 6252 6699
50 3129 4172 5215 6258 7301 8344 9387 4865 5352 5838 6325 6811 7298
51 3261 4348 5435 6522 7609 8696 9783 5310 5841 6372 6903 7435 7966
52 3402 4536 5670 6804 7938 9072 10206 5780 6358 6936 7514 8092 8670
53 3552 4736 5920 7104 8288 9472 10656 6276 6903 7531 8159 8786 9414
54 3708 4944 6180 7416 8652 9888 11124 6795 7474 8154 8833 9513 10192
55 3876 5168 6460 7752 9044 10336 11628 7334 8067 8800 9534 10267 11000
56 4047 5396 6745 8094 9443 10792 12141 7891 8680 9469 10258 11047 11836
57 4224 5632 7040 8448 9856 11264 12672 8488 9337 10186 11035 11884 12732
58 4407 5876 7345 8814 10283 11752 13221 9100 10010 10920 11830 12740 13650
59 5841 7788 9735 11682 13629 15576 17523 10158 11174 12190 13206 14222 15237
60 6048 8064 10080 12096 14112 16128 18144 10845 11929 13013 14098 15182 16267

Premium for female lives ( Including Tax) @ 18%
Age at entry/Sum Assured 300000 400000 500000 600000 700000 800000 900000 1000000 1100000 1200000 1300000 1400000 1500000
18 1381 1841 2301 2761 3221 3682 4142 1605 1765 1926 2086 2247 2407
19 1381 1841 2301 2761 3221 3682 4142 1605 1765 1926 2086 2247 2407
20 1381 1841 2301 2761 3221 3682 4142 1605 1765 1926 2086 2247 2407
21 1381 1841 2301 2761 3221 3682 4142 1605 1765 1926 2086 2247 2407
22 1391 1855 2319 2782 3246 3710 4174 1639 1803 1967 2131 2294 2458
23 1398 1864 2331 2797 3263 3729 4195 1666 1833 1999 2165 2332 2498
24 1405 1874 2342 2811 3279 3748 4216 1686 1855 2024 2192 2361 2529
25 1409 1879 2348 2818 3287 3757 4227 1702 1873 2043 2213 2382 2554
26 1412 1883 2354 2825 3296 3767 4237 1715 1887 2058 2230 2401 2572
27 1416 1888 2360 2832 3304 3776 4248 1728 1900 2072 2246 2418 2590
28 1423 1897 2372 2846 3321 3795 4269 1739 1914 2087 2261 2436 2609
29 1427 1902 2378 2853 3329 3804 4280 1755 1929 2105 2281 2456 2631
30 1430 1907 2384 2860 3337 3814 4290 1774 1951 2128 2305 2483 2660
31 1437 1916 2395 2874 3354 3833 4312 1797 1977 2156 2336 2516 2695
32 1448 1930 2413 2896 3378 3861 4344 1828 2010 2192 2375 2558 2741
33 1458 1945 2431 2917 3403 3889 4375 1866 2052 2238 2425 2611 2798
34 1473 1964 2454 2945 3436 3927 4418 1913 2104 2295 2486 2677 2869
35 1490 1987 2484 2981 3477 3974 4471 1969 2166 2362 2559 2756 2954
36 1512 2015 2519 3023 3527 4031 4535 2037 2241 2444 2648 2851 3055
37 1536 2048 2561 3073 3585 4097 4609 2117 2328 2539 2752 2963 3174
38 1561 2082 2602 3122 3643 4163 4683 2209 2430 2651 2872 3093 3313
39 2050 2733 3416 4099 4783 5466 6149 2471 2719 2965 3213 3460 3708
40 2089 2785 3481 4177 4873 5570 6266 2597 2857 3116 3376 3636 3895
41 2131 2841 3552 4262 4973 5683 6393 2741 3015 3289 3564 3837 4111
42 2181 2908 3634 4361 5088 5815 6542 2908 3198 3488 3780 4070 4361
43 2241 2988 3735 4482 5229 5976 6722 3099 3409 3719 4029 4339 4649
44 2308 3077 3847 4616 5386 6155 6924 3321 3653 3985 4316 4649 4981
45 2386 3181 3977 4772 5567 6363 7158 3575 3933 4290 4648 5006 5363
46 2474 3299 4124 4949 5774 6599 7423 3877 4265 4653 5040 5428 5815
47 2574 3431 4289 5147 6005 6863 7721 4216 4637 5059 5480 5902 6324
48 2690 3587 4484 5381 6278 7174 8071 4600 5059 5519 5979 6439 6899
49 3551 4734 5918 7101 8285 9468 10652 5270 5797 6324 6851 7377 7905
50 3692 4923 6154 7384 8615 9846 11077 5741 6315 6889 7464 8037 8612
51 3848 5131 6413 7696 8979 10261 11544 6266 6892 7519 8146 8773 9400
52 4014 5352 6691 8029 9367 10705 12043 6820 7502 8184 8867 9549 10231
53 4191 5588 6986 8383 9780 11177 12574 7406 8146 8887 9628 10367 11109
54 4375 5834 7292 8751 10209 11668 13126 8018 8819 9622 10423 11225 12027
55 4574 6098 7623 9147 10672 12196 13721 8654 9519 10384 11250 12115 12980
56 4775 6367 7959 9551 11143 12735 14326 9311 10242 11173 12104 13035 13966
57 4984 6646 8307 9969 11630 13292 14953 10016 11018 12019 13021 14023 15024
58 5200 6934 8667 10401 12134 13867 15601 10738 11812 12886 13959 15033 16107
59 6892 9190 11487 13785 16082 18380 20677 11986 13185 14384 15583 16782 17980
60 7137 9516 11894 14273 16652 19031 21410 12797 14076 15355 16636 17915 19195

Premium for male lives ( excluding Tax)
Age at entry/Sum Assured 300000 400000 500000 600000 700000 800000 900000 1000000 1100000 1200000 1300000 1400000 1500000
18 1170 1560 1950 2340 2730 3120 3510 1360 1496 1632 1768 1904 2040
19 1179 1572 1965 2358 2751 3144 3537 1389 1528 1667 1806 1944 2083
20 1185 1580 1975 2370 2765 3160 3555 1412 1553 1694 1835 1976 2117
21 1191 1588 1985 2382 2779 3176 3573 1429 1572 1715 1858 2001 2143
22 1194 1592 1990 2388 2786 3184 3582 1442 1587 1731 1875 2019 2164
23 1197 1596 1995 2394 2793 3192 3591 1453 1599 1744 1890 2035 2180
24 1200 1600 2000 2400 2800 3200 3600 1464 1610 1756 1903 2049 2195
25 1206 1608 2010 2412 2814 3216 3618 1474 1622 1769 1916 2064 2211
26 1209 1612 2015 2418 2821 3224 3627 1487 1635 1784 1933 2081 2230
27 1212 1616 2020 2424 2828 3232 3636 1503 1653 1803 1953 2104 2254
28 1218 1624 2030 2436 2842 3248 3654 1523 1675 1827 1980 2132 2284
29 1227 1636 2045 2454 2863 3272 3681 1549 1703 1858 2013 2168 2323
30 1236 1648 2060 2472 2884 3296 3708 1581 1739 1897 2055 2213 2371
31 1248 1664 2080 2496 2912 3328 3744 1621 1783 1945 2107 2269 2431
32 1263 1684 2105 2526 2947 3368 3789 1669 1836 2002 2169 2336 2503
33 1281 1708 2135 2562 2989 3416 3843 1726 1899 2071 2244 2416 2589
34 1302 1736 2170 2604 3038 3472 3906 1794 1973 2152 2332 2511 2690
35 1323 1764 2205 2646 3087 3528 3969 1872 2059 2247 2434 2621 2808
36 1737 2316 2895 3474 4053 4632 5211 2094 2304 2513 2723 2932 3142
37 1770 2360 2950 3540 4130 4720 5310 2201 2421 2641 2861 3081 3301
38 1806 2408 3010 3612 4214 4816 5418 2323 2555 2787 3020 3252 3484
39 1848 2464 3080 3696 4312 4928 5544 2464 2710 2956 3203 3449 3696
40 1899 2532 3165 3798 4431 5064 5697 2626 2889 3152 3414 3677 3940
41 1956 2608 3260 3912 4564 5216 5868 2814 3096 3377 3658 3940 4221
42 2022 2696 3370 4044 4718 5392 6066 3030 3333 3636 3939 4242 4545
43 2097 2796 3495 4194 4893 5592 6291 3286 3614 3943 4271 4600 4928
44 2181 2908 3635 4362 5089 5816 6543 3573 3930 4287 4644 5002 5359
45 2280 3040 3800 4560 5320 6080 6840 3898 4287 4677 5067 5457 5847
46 3009 4012 5015 6018 7021 8024 9027 4466 4913 5359 5806 6252 6699
47 3129 4172 5215 6258 7301 8344 9387 4865 5352 5838 6325 6811 7298
48 3261 4348 5435 6522 7609 8696 9783 5310 5841 6372 6903 7435 7966
49 3402 4536 5670 6804 7938 9072 10206 5780 6358 6936 7514 8092 8670
50 3552 4736 5920 7104 8288 9472 10656 6276 6903 7531 8159 8786 9414
51 3708 4944 6180 7416 8652 9888 11124 6795 7474 8154 8833 9513 10192
52 3876 5168 6460 7752 9044 10336 11628 7334 8067 8800 9534 10267 11000
53 4047 5396 6745 8094 9443 10792 12141 7891 8680 9469 10258 11047 11836
54 4224 5632 7040 8448 9856 11264 12672 8488 9337 10186 11035 11884 12732
55 4407 5876 7345 8814 10283 11752 13221 9100 10010 10920 11830 12740 13650
56 5841 7788 9735 11682 13629 15576 17523 10158 11174 12190 13206 14222 15237
57 6048 8064 10080 12096 14112 16128 18144 10845 11929 13013 14098 15182 16267
58 6279 8372 10465 12558 14651 16744 18837 11582 12740 13898 15056 16215 17373
59 6525 8700 10875 13050 15225 17400 19575 12381 13619 14857 16095 17333 18571
60 7569 10092 12615 15138 17661 20184 22707 13537 14891 16244 17598 18952 20305

Premium for male lives ( Including Tax) @ 18%
Age at entry/Sum Assured 300000 400000 500000 600000 700000 800000 900000 1000000 1100000 1200000 1300000 1400000 1500000
18 1381 1841 2301 2761 3221 3682 4142 1605 1765 1926 2086 2247 2407
19 1391 1855 2319 2782 3246 3710 4174 1639 1803 1967 2131 2294 2458
20 1398 1864 2331 2797 3263 3729 4195 1666 1833 1999 2165 2332 2498
21 1405 1874 2342 2811 3279 3748 4216 1686 1855 2024 2192 2361 2529
22 1409 1879 2348 2818 3287 3757 4227 1702 1873 2043 2213 2382 2554
23 1412 1883 2354 2825 3296 3767 4237 1715 1887 2058 2230 2401 2572
24 1416 1888 2360 2832 3304 3776 4248 1728 1900 2072 2246 2418 2590
25 1423 1897 2372 2846 3321 3795 4269 1739 1914 2087 2261 2436 2609
26 1427 1902 2378 2853 3329 3804 4280 1755 1929 2105 2281 2456 2631
27 1430 1907 2384 2860 3337 3814 4290 1774 1951 2128 2305 2483 2660
28 1437 1916 2395 2874 3354 3833 4312 1797 1977 2156 2336 2516 2695
29 1448 1930 2413 2896 3378 3861 4344 1828 2010 2192 2375 2558 2741
30 1458 1945 2431 2917 3403 3889 4375 1866 2052 2238 2425 2611 2798
31 1473 1964 2454 2945 3436 3927 4418 1913 2104 2295 2486 2677 2869
32 1490 1987 2484 2981 3477 3974 4471 1969 2166 2362 2559 2756 2954
33 1512 2015 2519 3023 3527 4031 4535 2037 2241 2444 2648 2851 3055
34 1536 2048 2561 3073 3585 4097 4609 2117 2328 2539 2752 2963 3174
35 1561 2082 2602 3122 3643 4163 4683 2209 2430 2651 2872 3093 3313
36 2050 2733 3416 4099 4783 5466 6149 2471 2719 2965 3213 3460 3708
37 2089 2785 3481 4177 4873 5570 6266 2597 2857 3116 3376 3636 3895
38 2131 2841 3552 4262 4973 5683 6393 2741 3015 3289 3564 3837 4111
39 2181 2908 3634 4361 5088 5815 6542 2908 3198 3488 3780 4070 4361
40 2241 2988 3735 4482 5229 5976 6722 3099 3409 3719 4029 4339 4649
41 2308 3077 3847 4616 5386 6155 6924 3321 3653 3985 4316 4649 4981
42 2386 3181 3977 4772 5567 6363 7158 3575 3933 4290 4648 5006 5363
43 2474 3299 4124 4949 5774 6599 7423 3877 4265 4653 5040 5428 5815
44 2574 3431 4289 5147 6005 6863 7721 4216 4637 5059 5480 5902 6324
45 2690 3587 4484 5381 6278 7174 8071 4600 5059 5519 5979 6439 6899
46 3551 4734 5918 7101 8285 9468 10652 5270 5797 6324 6851 7377 7905
47 3692 4923 6154 7384 8615 9846 11077 5741 6315 6889 7464 8037 8612
48 3848 5131 6413 7696 8979 10261 11544 6266 6892 7519 8146 8773 9400
49 4014 5352 6691 8029 9367 10705 12043 6820 7502 8184 8867 9549 10231
50 4191 5588 6986 8383 9780 11177 12574 7406 8146 8887 9628 10367 11109
51 4375 5834 7292 8751 10209 11668 13126 8018 8819 9622 10423 11225 12027
52 4574 6098 7623 9147 10672 12196 13721 8654 9519 10384 11250 12115 12980
53 4775 6367 7959 9551 11143 12735 14326 9311 10242 11173 12104 13035 13966
54 4984 6646 8307 9969 11630 13292 14953 10016 11018 12019 13021 14023 15024
55 5200 6934 8667 10401 12134 13867 15601 10738 11812 12886 13959 15033 16107
56 6892 9190 11487 13785 16082 18380 20677 11986 13185 14384 15583 16782 17980
57 7137 9516 11894 14273 16652 19031 21410 12797 14076 15355 16636 17915 19195
58 7409 9879 12349 14818 17288 19758 22228 13667 15033 16400 17766 19134 20500
59 7700 10266 12833 15399 17966 20532 23099 14610 16070 17531 18992 20453 21914
60 8931 11909 14886 17863 20840 23817 26794 15974 17571 19168 20766 22363 23960
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