Super Mediclaim - RHIHLIP21374V022021
CANCER MEDICLAIM
BASE COVER
> Premium excludes GST and are in INR
> Rates provided are on annual basis
> Sum insured in between can be calculated using linear interpolation
Individual
| Age/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| 91 days- 4 years |
314 |
317 |
323 |
333 |
344 |
355 |
368 |
386 |
403 |
662 |
837 |
957 |
1,253 |
| 5-17 years |
319 |
332 |
347 |
361 |
376 |
393 |
413 |
440 |
461 |
805 |
1,047 |
1,212 |
1,621 |
| 18 - 25 years |
427 |
444 |
462 |
682 |
711 |
739 |
1,206 |
1,248 |
1,292 |
2,338 |
2,500 |
2,730 |
3,125 |
| 26 - 30 years |
445 |
466 |
495 |
715 |
756 |
792 |
1,261 |
1,323 |
1,381 |
2,591 |
2,926 |
3,197 |
3,871 |
| 31 - 35 years |
501 |
538 |
571 |
819 |
867 |
932 |
1,422 |
1,500 |
1,595 |
3,339 |
4,117 |
4,645 |
5,960 |
| 36 - 40 years |
593 |
682 |
743 |
1,008 |
1,088 |
1,210 |
1,767 |
1,917 |
2,069 |
4,924 |
6,441 |
7,472 |
10,033 |
| 41 - 45 years |
762 |
927 |
1,068 |
1,348 |
1,495 |
1,717 |
2,364 |
2,641 |
2,920 |
7,656 |
10,444 |
12,339 |
17,046 |
| 46 - 50 years |
1,016 |
1,360 |
1,577 |
1,945 |
2,210 |
2,607 |
3,420 |
3,919 |
4,422 |
12,015 |
17,514 |
20,936 |
29,433 |
| 51 - 55 year |
1,497 |
2,186 |
2,512 |
3,228 |
3,743 |
4,514 |
5,651 |
6,618 |
7,596 |
20,377 |
32,440 |
39,085 |
55,579 |
| 56 - 60 years |
2,152 |
3,280 |
4,070 |
5,268 |
6,181 |
7,472 |
9,183 |
10,033 |
12,616 |
32,318 |
56,009 |
67,744 |
96,858 |
| 61-65 years |
2,850 |
4,637 |
5,825 |
7,457 |
8,795 |
10,778 |
12,960 |
14,542 |
17,968 |
44,868 |
78,723 |
98,075 |
140,520 |
| 66-70 years |
3,789 |
6,672 |
8,034 |
10,336 |
12,232 |
15,030 |
17,918 |
21,231 |
24,979 |
61,415 |
107,920 |
137,593 |
197,383 |
| 71-75 years |
5,006 |
8,894 |
10,895 |
14,106 |
16,732 |
20,591 |
24,397 |
28,555 |
34,126 |
82,733 |
145,457 |
188,923 |
271,215 |
| >75 years |
6,875 |
12,266 |
15,387 |
20,058 |
23,829 |
28,523 |
34,560 |
39,500 |
48,410 |
114,689 |
201,353 |
268,066 |
384,938 |
OPTIONAL COVERS- CANCER MEDICLAIM
>Deductible Option- on an aggregate basis per Policy Year /p>
| Deductible/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| 5,000 |
18.50% |
15.50% |
13.00% |
9.00% |
7.25% |
5.50% |
3.50% |
3.00% |
2.00% |
1.25% |
0.75% |
0.50% |
0.25% |
| 10,000 |
27.50% |
23.00% |
19.25% |
13.25% |
10.50% |
8.00% |
5.25% |
4.75% |
3.75% |
3.00% |
2.50% |
2.25% |
2.00% |
| 25,000 |
36.50% |
30.50% |
25.50% |
17.50% |
14.00% |
10.75% |
7.25% |
6.75% |
5.75% |
5.00% |
4.50% |
4.25% |
4.00% |
| 50,000 |
45.00% |
37.50% |
31.25% |
21.50% |
17.25% |
13.25% |
9.00% |
8.50% |
7.50% |
6.75% |
6.25% |
6.00% |
5.75% |
| 100,000 |
52.50% |
43.75% |
36.50% |
25.00% |
20.00% |
15.25% |
10.50% |
10.00% |
9.00% |
8.25% |
7.75% |
7.50% |
7.25% |
| 200,000 |
58.50% |
48.75% |
40.75% |
28.00% |
22.50% |
17.25% |
12.00% |
11.50% |
10.50% |
9.75% |
9.25% |
9.00% |
8.75% |
| 300,000 |
63.00% |
52.50% |
44.00% |
30.25% |
24.25% |
18.50% |
13.00% |
12.50% |
11.50% |
10.75% |
10.25% |
10.00% |
9.75% |
| 500,000 |
75.00% |
62.50% |
52.50% |
36.00% |
28.75% |
22.00% |
15.50% |
15.00% |
14.00% |
13.25% |
12.75% |
12.50% |
12.25% |
| 700,000 |
82.65% |
68.88% |
57.95% |
39.66% |
31.59% |
24.23% |
17.10% |
16.63% |
15.68% |
14.96% |
14.49% |
14.25% |
14.01% |
| 1,000,000 |
88.80% |
74.00% |
62.30% |
42.60% |
34.00% |
26.00% |
18.40% |
17.90% |
16.90% |
16.10% |
15.60% |
15.30% |
15.10% |
Co-payment Option: 20% per claim, where age of the Insured / eldest member is 60 years or below (Mandatory for insured who enters at age of 61 years & above)
15% reduction in the Base Cover premium and optional covers where co-payment is applicable: Air Ambulance, Room Rent Modification & Additional SI for Accidental Hospitalization
International Second Opinion
| Gross Rate per policy: |
842 |
Additional SI for Accidental Hospitalization
| Age/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| Up to 45 years |
545 |
752 |
789 |
928 |
966 |
1,039 |
1,136 |
1,164 |
1,235 |
1,296 |
1,400 |
1,512 |
1,633 |
| 46 to 60 Years |
926 |
1,278 |
1,342 |
1,578 |
1,642 |
1,768 |
1,932 |
1,981 |
2,101 |
2,205 |
2,381 |
2,572 |
2,778 |
| 61 to 75 Years |
1,716 |
2,368 |
2,486 |
2,922 |
3,042 |
3,273 |
3,579 |
3,668 |
3,890 |
4,083 |
4,410 |
4,763 |
5,144 |
| Above 75 Years |
3,257 |
4,494 |
4,719 |
5,546 |
5,774 |
6,214 |
6,793 |
6,963 |
7,385 |
7,751 |
8,371 |
9,041 |
9,764 |
A discount of 2.5% applies to each additional member added for floater policies.
Air Ambulance Cover
| Age Bands |
Gross Premium |
| All Age Bands |
₹ 464 |
Reduction in PED Wait periods
(from 48 months to 24 months)
| Age Bands | % of Base |
| Upto 45 Years | 15.0% |
| 46 to 60 Years | 25.0% |
| 61 to 70 Years | 30.0% |
| Above 70 Years | 40.0% |
Room Rent modification (No limit)
| Age Bands | % of Base |
| 5 Lacs & Above | 30% |
Unlimited Automatic Recharge
| Sum Insured/Age Band | 200,000 | 300,000 | 500,000 | 700,000 | 1,000,000 | 2,000,000 | 2,500,000 | 5,000,000 |
| < or equal to 45 years | 17.5% | 17.5% | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% | 5.0% |
| > than 45 years | 25.0% | 25.0% | 15.0% | 15.0% | 15.0% | 15.0% | 15.0% | 10.0% |
% of base policy premium as additional premium
Super Mediclaim - RHIHLIP21374V022021
HEART MEDICLAIM
BASE COVER
Individual
| Age/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| 91 days- 4 years | 319 | 323 | 328 | 339 | 352 | 364 | 379 | 400 | 420 | 773 | 939 | 1,079 | 1,430 |
| 5 - 17 years | 337 | 353 | 369 | 385 | 413 | 429 | 450 | 485 | 521 | 1,170 | 1,471 | 1,727 | 2,366 |
| 18 - 25 years | 443 | 459 | 476 | 701 | 729 | 754 | 1,228 | 1,271 | 1,316 | 2,577 | 2,884 | 3,147 | 3,800 |
| 26 - 30 years | 477 | 500 | 523 | 754 | 794 | 830 | 1,328 | 1,385 | 1,444 | 3,054 | 3,583 | 3,997 | 5,027 |
| 31 - 35 years | 535 | 605 | 639 | 901 | 960 | 1,049 | 1,580 | 1,691 | 1,805 | 4,077 | 5,398 | 6,205 | 8,212 |
| 36 - 40 years | 655 | 811 | 878 | 1,187 | 1,303 | 1,479 | 2,076 | 2,292 | 2,514 | 6,124 | 8,939 | 10,513 | 14,425 |
| 41 - 45 years | 1,035 | 1,420 | 1,582 | 2,033 | 2,315 | 2,740 | 3,552 | 4,081 | 4,625 | 12,432 | 19,440 | 23,285 | 32,838 |
| 46 - 50 years | 1,349 | 2,034 | 2,271 | 2,880 | 3,327 | 4,000 | 5,050 | 5,894 | 6,762 | 17,969 | 29,978 | 36,182 | 51,426 |
| 51 - 55 years | 2,203 | 3,275 | 3,592 | 4,388 | 5,013 | 5,947 | 7,221 | 8,393 | 9,601 | 24,792 | 40,066 | 51,527 | 72,719 |
| 56 - 60 years | 2,871 | 4,521 | 5,297 | 6,691 | 7,765 | 9,363 | 11,205 | 12,480 | 15,279 | 37,655 | 61,489 | 84,712 | 121,951 |
| 61-65 years | 4,148 | 6,483 | 7,746 | 9,880 | 11,480 | 13,373 | 16,357 | 17,724 | 22,507 | 52,703 | 86,528 | 119,452 | 179,088 |
| 66-70 years | 5,210 | 8,450 | 10,773 | 13,527 | 15,833 | 19,237 | 22,630 | 26,416 | 31,413 | 72,655 | 119,625 | 165,313 | 255,296 |
| 71-75 years | 6,210 | 10,293 | 13,402 | 17,020 | 20,001 | 24,159 | 28,617 | 32,864 | 39,887 | 91,275 | 150,346 | 207,783 | 327,120 |
| >75 years | 8,192 | 13,916 | 18,396 | 23,639 | 27,892 | 33,515 | 39,900 | 45,090 | 55,792 | 126,477 | 208,401 | 288,059 | 459,828 |
OPTIONAL COVERS- HEART MEDICLAIM
Deductible Options-on an aggregate basis per Policy Year
| Deductible/SI | 100,000 | 200,000 | 300,000 | 500,000 | 700,000 | 1,000,000 | 2,000,000 | 2,500,000 | 5,000,000 | 10,000,000 | 20,000,000 | 30,000,000 | 60,000,000 |
| 5,000 | 18.50% | 15.50% | 13.00% | 9.00% | 7.25% | 5.50% | 3.50% | 3.00% | 2.00% | 1.25% | 0.75% | 0.50% | 0.25% |
| 10,000 | 27.50% | 23.00% | 19.25% | 13.25% | 10.50% | 8.00% | 5.25% | 4.75% | 3.75% | 3.00% | 2.50% | 2.25% | 2.00% |
| 25,000 | 36.50% | 30.50% | 25.50% | 17.50% | 14.00% | 10.75% | 7.25% | 6.75% | 5.75% | 5.00% | 4.50% | 4.25% | 4.00% |
| 50,000 | 45.00% | 37.50% | 31.25% | 21.50% | 17.25% | 13.25% | 9.00% | 8.50% | 7.50% | 6.75% | 6.25% | 6.00% | 5.75% |
| 100,000 | 52.50% | 43.75% | 36.50% | 25.00% | 20.00% | 15.25% | 10.50% | 10.00% | 9.00% | 8.25% | 7.75% | 7.50% | 7.25% |
| 200,000 | 58.50% | 48.75% | 40.75% | 28.00% | 22.50% | 17.25% | 12.00% | 11.50% | 10.50% | 9.75% | 9.25% | 9.00% | 8.75% |
| 300,000 | 63.00% | 52.50% | 44.00% | 30.25% | 24.25% | 18.50% | 13.00% | 12.50% | 11.50% | 10.75% | 10.25% | 10.00% | 9.75% |
| 500,000 | 75.00% | 62.50% | 52.50% | 36.00% | 28.75% | 22.00% | 15.50% | 15.00% | 14.00% | 13.25% | 12.75% | 12.50% | 12.25% |
| 700,000 | 82.65% | 68.88% | 57.95% | 39.66% | 31.59% | 24.23% | 17.10% | 16.63% | 15.68% | 14.96% | 14.49% | 14.25% | 14.01% |
| 1,000,000 | 88.80% | 74.00% | 62.30% | 42.60% | 34.00% | 26.00% | 18.40% | 17.90% | 16.90% | 16.10% | 15.60% | 15.30% | 15.10% |
Co-payment Option: 20% per claim, where age of the Insured / eldest member is 60 years or below (Mandatory for insured who enters at age of 61 years & above)
15% reduction in the Base Cover premium and optional covers where co-payment is applicable: Air Ambulance, Room Rent Modification & Additional SI for Accidental Hospitalization
International Second Opinion
| Gross Rate per policy: |
842 |
Additional SI for Accidental Hospitalization
| Age/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| Up to 45 years |
545 |
752 |
789 |
928 |
966 |
1,039 |
1,136 |
1,164 |
1,235 |
1,296 |
1,400 |
1,512 |
1,633 |
| 46 to 60 Years |
926 |
1,278 |
1,342 |
1,578 |
1,642 |
1,768 |
1,932 |
1,981 |
2,101 |
2,205 |
2,381 |
2,572 |
2,778 |
| 61 to 75 Years |
1,716 |
2,368 |
2,486 |
2,922 |
3,042 |
3,273 |
3,579 |
3,668 |
3,890 |
4,083 |
4,410 |
4,763 |
5,144 |
| Above 75 Years |
3,257 |
4,494 |
4,719 |
5,546 |
5,774 |
6,214 |
6,793 |
6,963 |
7,385 |
7,751 |
8,371 |
9,041 |
9,764 |
A discount of 2.5% applies to each additional member added for floater policies.
Air Ambulance Cover
| Age Bands |
Gross Premium |
| All Age Bands |
₹ 464 |
Reduction in PED Wait periods
(from 48 months to 24 months)
| Age Bands | % of Base |
| Upto 45 Years | 15.0% |
| 46 to 60 Years | 25.0% |
| 61 to 70 Years | 30.0% |
| Above 70 Years | 40.0% |
Room Rent modification (No limit)
| Age Bands | % of Base |
| 5 Lacs & Above | 30% |
Unlimited Automatic Recharge
| Sum Insured/Age Band | 200,000 | 300,000 | 500,000 | 700,000 | 1,000,000 | 2,000,000 | 2,500,000 | 5,000,000 |
| < or equal to 45 years | 17.5% | 17.5% | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% | 5.0% |
| > than 45 years | 25.0% | 25.0% | 15.0% | 15.0% | 15.0% | 15.0% | 15.0% | 10.0% |
% of base policy premium as additional premium
Super Mediclaim - RHIHLIP21374V022021
CRITICAL MEDICLAIM
BASE COVER
Individual
| Age/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| 91 days- 4 years | 367 | 377 | 390 | 415 | 445 | 476 | 510 | 542 | 607 | 1,081 | 1,578 | 1,840 | 2,489 |
| 5 - 17 years | 386 | 408 | 429 | 459 | 500 | 540 | 583 | 625 | 712 | 1,357 | 2,002 | 2,355 | 3,232 |
| 18 - 25 years | 497 | 517 | 538 | 779 | 812 | 862 | 1,365 | 1,424 | 1,501 | 2,769 | 3,427 | 3,788 | 4,685 |
| 26 - 30 years | 569 | 593 | 625 | 884 | 935 | 1,015 | 1,545 | 1,611 | 1,753 | 3,402 | 4,396 | 4,965 | 6,379 |
| 31 - 35 years | 696 | 780 | 842 | 1,145 | 1,253 | 1,413 | 2,004 | 2,131 | 2,410 | 5,046 | 6,915 | 8,026 | 10,783 |
| 36 - 40 years | 949 | 1,149 | 1,270 | 1,659 | 1,869 | 2,186 | 2,896 | 3,143 | 3,686 | 8,246 | 11,818 | 13,983 | 19,357 |
| 41 - 45 years | 1,447 | 1,834 | 2,062 | 2,610 | 3,006 | 3,604 | 4,567 | 5,035 | 6,071 | 14,187 | 20,911 | 25,029 | 35,242 |
| 46 - 50 years | 2,302 | 3,185 | 3,590 | 4,478 | 5,241 | 6,387 | 7,866 | 8,769 | 10,779 | 25,921 | 38,875 | 46,850 | 66,622 |
| 51 - 55 years | 4,162 | 5,594 | 6,124 | 7,339 | 8,425 | 10,501 | 12,398 | 13,671 | 16,526 | 37,538 | 57,582 | 68,888 | 96,904 |
| 56 - 60 years | 5,623 | 7,903 | 8,734 | 11,056 | 12,868 | 15,211 | 18,850 | 20,466 | 25,709 | 57,960 | 92,438 | 111,221 | 157,739 |
| 61-65 years | 7,276 | 11,448 | 12,316 | 15,710 | 18,427 | 21,593 | 26,894 | 28,687 | 37,138 | 81,872 | 135,682 | 163,732 | 233,170 |
| 66-70 years | 9,487 | 15,381 | 17,132 | 22,830 | 26,928 | 31,901 | 38,807 | 42,029 | 54,555 | 115,836 | 201,516 | 243,675 | 347,984 |
| 71-75 years | 11,935 | 19,610 | 22,065 | 29,749 | 35,186 | 40,992 | 49,881 | 54,303 | 71,387 | 150,516 | 263,601 | 320,147 | 457,698 |
| >75 years | 16,369 | 27,201 | 30,705 | 41,695 | 49,033 | 57,030 | 69,425 | 76,047 | 100,139 | 210,136 | 367,520 | 448,899 | 642,121 |
OPTIONAL COVERS- HEART MEDICLAIM
Deductible Options-on an aggregate basis per Policy Year
| Deductible/SI | 100,000 | 200,000 | 300,000 | 500,000 | 700,000 | 1,000,000 | 2,000,000 | 2,500,000 | 5,000,000 | 10,000,000 | 20,000,000 | 30,000,000 | 60,000,000 |
| 5,000 | 18.50% | 15.50% | 13.00% | 9.00% | 7.25% | 5.50% | 3.50% | 3.00% | 2.00% | 1.25% | 0.75% | 0.50% | 0.25% |
| 10,000 | 27.50% | 23.00% | 19.25% | 13.25% | 10.50% | 8.00% | 5.25% | 4.75% | 3.75% | 3.00% | 2.50% | 2.25% | 2.00% |
| 25,000 | 36.50% | 30.50% | 25.50% | 17.50% | 14.00% | 10.75% | 7.25% | 6.75% | 5.75% | 5.00% | 4.50% | 4.25% | 4.00% |
| 50,000 | 45.00% | 37.50% | 31.25% | 21.50% | 17.25% | 13.25% | 9.00% | 8.50% | 7.50% | 6.75% | 6.25% | 6.00% | 5.75% |
| 100,000 | 52.50% | 43.75% | 36.50% | 25.00% | 20.00% | 15.25% | 10.50% | 10.00% | 9.00% | 8.25% | 7.75% | 7.50% | 7.25% |
| 200,000 | 58.50% | 48.75% | 40.75% | 28.00% | 22.50% | 17.25% | 12.00% | 11.50% | 10.50% | 9.75% | 9.25% | 9.00% | 8.75% |
| 300,000 | 63.00% | 52.50% | 44.00% | 30.25% | 24.25% | 18.50% | 13.00% | 12.50% | 11.50% | 10.75% | 10.25% | 10.00% | 9.75% |
| 500,000 | 75.00% | 62.50% | 52.50% | 36.00% | 28.75% | 22.00% | 15.50% | 15.00% | 14.00% | 13.25% | 12.75% | 12.50% | 12.25% |
| 700,000 | 82.65% | 68.88% | 57.95% | 39.66% | 31.59% | 24.23% | 17.10% | 16.63% | 15.68% | 14.96% | 14.49% | 14.25% | 14.01% |
| 1,000,000 | 88.80% | 74.00% | 62.30% | 42.60% | 34.00% | 26.00% | 18.40% | 17.90% | 16.90% | 16.10% | 15.60% | 15.30% | 15.10% |
Co-payment Option: 20% per claim, where age of the Insured / eldest member is 60 years or below (Mandatory for insured who enters at age of 61 years & above)
15% reduction in the Base Cover premium and optional covers where co-payment is applicable: Air Ambulance, Room Rent Modification & Additional SI for Accidental Hospitalization
International Second Opinion
| Gross Rate per policy: |
842 |
Additional SI for Accidental Hospitalization
| Age/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| Up to 45 years |
545 |
752 |
789 |
928 |
966 |
1,039 |
1,136 |
1,164 |
1,235 |
1,296 |
1,400 |
1,512 |
1,633 |
| 46 to 60 Years |
926 |
1,278 |
1,342 |
1,578 |
1,642 |
1,768 |
1,932 |
1,981 |
2,101 |
2,205 |
2,381 |
2,572 |
2,778 |
| 61 to 75 Years |
1,716 |
2,368 |
2,486 |
2,922 |
3,042 |
3,273 |
3,579 |
3,668 |
3,890 |
4,083 |
4,410 |
4,763 |
5,144 |
| Above 75 Years |
3,257 |
4,494 |
4,719 |
5,546 |
5,774 |
6,214 |
6,793 |
6,963 |
7,385 |
7,751 |
8,371 |
9,041 |
9,764 |
A discount of 2.5% applies to each additional member added for floater policies.
Air Ambulance Cover
| Age Bands |
Gross Premium |
| All Age Bands |
₹ 464 |
Reduction in PED Wait periods
(from 48 months to 24 months)
| Age Bands | % of Base |
| Upto 45 Years | 15.0% |
| 46 to 60 Years | 25.0% |
| 61 to 70 Years | 30.0% |
| Above 70 Years | 40.0% |
Room Rent modification (No limit)
| Age Bands | % of Base |
| 5 Lacs & Above | 30% |
Unlimited Automatic Recharge
| Sum Insured/Age Band | 200,000 | 300,000 | 500,000 | 700,000 | 1,000,000 | 2,000,000 | 2,500,000 | 5,000,000 |
| < or equal to 45 years | 17.5% | 17.5% | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% | 5.0% |
| > than 45 years | 25.0% | 25.0% | 15.0% | 15.0% | 15.0% | 15.0% | 15.0% | 10.0% |
% of base policy premium as additional premium
Super Mediclaim - RHIHLIP21374V022021
OPERATION MEDICLAIM
BASE COVER
Individual
| Age/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| 91 days- 4 years | 568 | 635 | 680 | 774 | 882 | 991 | 1,096 | 1,192 | 1,452 | 2,979 | 4,625 | 5,777 | 8,409 |
| 5 - 17 years | 875 | 1,002 | 1,122 | 1,295 | 1,537 | 1,767 | 1,988 | 2,190 | 2,738 | 5,975 | 9,361 | 11,787 | 17,336 |
| 18 - 25 years | 1,310 | 1,507 | 1,693 | 2,172 | 2,497 | 2,914 | 3,720 | 4,035 | 4,889 | 10,535 | 15,764 | 19,542 | 28,177 |
| 26 - 30 years | 1,653 | 1,922 | 2,177 | 2,753 | 3,160 | 3,783 | 4,718 | 5,149 | 6,321 | 13,837 | 20,982 | 26,163 | 38,004 |
| 31 - 35 years | 1,804 | 2,103 | 2,388 | 3,006 | 3,458 | 4,169 | 5,161 | 5,643 | 6,954 | 15,283 | 23,262 | 29,055 | 42,289 |
| 36 - 40 years | 2,515 | 2,961 | 3,387 | 4,207 | 4,884 | 5,813 | 7,232 | 7,956 | 9,927 | 22,124 | 34,068 | 42,767 | 62,634 |
| 41 - 45 years | 2,902 | 3,426 | 3,927 | 4,853 | 5,647 | 6,926 | 8,398 | 9,255 | 11,594 | 25,933 | 40,076 | 50,387 | 73,927 |
| 46 - 50 years | 3,416 | 4,043 | 4,602 | 5,712 | 6,661 | 8,193 | 9,953 | 10,993 | 13,817 | 31,011 | 48,085 | 60,545 | 88,980 |
| 51 - 55 years | 5,421 | 6,209 | 6,860 | 8,252 | 9,445 | 11,823 | 13,918 | 15,218 | 18,774 | 40,203 | 63,147 | 78,795 | 114,495 |
| 56 - 60 years | 6,503 | 7,508 | 8,274 | 10,018 | 11,583 | 14,495 | 17,044 | 18,702 | 23,244 | 50,408 | 79,243 | 99,210 | 144,745 |
| 61-65 years | 8,370 | 9,747 | 10,707 | 13,100 | 15,259 | 19,085 | 22,413 | 24,685 | 30,915 | 67,908 | 106,837 | 134,204 | 196,595 |
| 66-70 years | 11,360 | 13,331 | 14,577 | 18,039 | 21,136 | 26,421 | 30,994 | 34,244 | 43,170 | 95,836 | 150,868 | 190,039 | 279,311 |
| 71-75 years | 14,301 | 16,849 | 18,293 | 22,871 | 26,884 | 33,587 | 39,374 | 43,572 | 55,120 | 122,989 | 193,653 | 244,283 | 359,632 |
| >75 years | 19,961 | 23,596 | 25,417 | 32,092 | 37,840 | 47,223 | 55,309 | 58,762 | 77,793 | 174,259 | 274,362 | 346,574 | 510,981 |
OPTIONAL COVERS- HEART MEDICLAIM
Deductible Options-on an aggregate basis per Policy Year
| Deductible/SI | 100,000 | 200,000 | 300,000 | 500,000 | 700,000 | 1,000,000 | 2,000,000 | 2,500,000 | 5,000,000 | 10,000,000 | 20,000,000 | 30,000,000 | 60,000,000 |
| 5,000 | 18.50% | 15.50% | 13.00% | 9.00% | 7.25% | 5.50% | 3.50% | 3.00% | 2.00% | 1.25% | 0.75% | 0.50% | 0.25% |
| 10,000 | 27.50% | 23.00% | 19.25% | 13.25% | 10.50% | 8.00% | 5.25% | 4.75% | 3.75% | 3.00% | 2.50% | 2.25% | 2.00% |
| 25,000 | 36.50% | 30.50% | 25.50% | 17.50% | 14.00% | 10.75% | 7.25% | 6.75% | 5.75% | 5.00% | 4.50% | 4.25% | 4.00% |
| 50,000 | 45.00% | 37.50% | 31.25% | 21.50% | 17.25% | 13.25% | 9.00% | 8.50% | 7.50% | 6.75% | 6.25% | 6.00% | 5.75% |
| 100,000 | 52.50% | 43.75% | 36.50% | 25.00% | 20.00% | 15.25% | 10.50% | 10.00% | 9.00% | 8.25% | 7.75% | 7.50% | 7.25% |
| 200,000 | 58.50% | 48.75% | 40.75% | 28.00% | 22.50% | 17.25% | 12.00% | 11.50% | 10.50% | 9.75% | 9.25% | 9.00% | 8.75% |
| 300,000 | 63.00% | 52.50% | 44.00% | 30.25% | 24.25% | 18.50% | 13.00% | 12.50% | 11.50% | 10.75% | 10.25% | 10.00% | 9.75% |
| 500,000 | 75.00% | 62.50% | 52.50% | 36.00% | 28.75% | 22.00% | 15.50% | 15.00% | 14.00% | 13.25% | 12.75% | 12.50% | 12.25% |
| 700,000 | 82.65% | 68.88% | 57.95% | 39.66% | 31.59% | 24.23% | 17.10% | 16.63% | 15.68% | 14.96% | 14.49% | 14.25% | 14.01% |
| 1,000,000 | 88.80% | 74.00% | 62.30% | 42.60% | 34.00% | 26.00% | 18.40% | 17.90% | 16.90% | 16.10% | 15.60% | 15.30% | 15.10% |
Co-payment Option: 20% per claim, where age of the Insured / eldest member is 60 years or below (Mandatory for insured who enters at age of 61 years & above)
15% reduction in the Base Cover premium and optional covers where co-payment is applicable: Air Ambulance, Room Rent Modification & Additional SI for Accidental Hospitalization
International Second Opinion
| Gross Rate per policy: |
842 |
Additional SI for Accidental Hospitalization
| Age/SI |
100,000 |
200,000 |
300,000 |
500,000 |
700,000 |
1,000,000 |
2,000,000 |
2,500,000 |
5,000,000 |
10,000,000 |
20,000,000 |
30,000,000 |
60,000,000 |
| Up to 45 years |
545 |
752 |
789 |
928 |
966 |
1,039 |
1,136 |
1,164 |
1,235 |
1,296 |
1,400 |
1,512 |
1,633 |
| 46 to 60 Years |
926 |
1,278 |
1,342 |
1,578 |
1,642 |
1,768 |
1,932 |
1,981 |
2,101 |
2,205 |
2,381 |
2,572 |
2,778 |
| 61 to 75 Years |
1,716 |
2,368 |
2,486 |
2,922 |
3,042 |
3,273 |
3,579 |
3,668 |
3,890 |
4,083 |
4,410 |
4,763 |
5,144 |
| Above 75 Years |
3,257 |
4,494 |
4,719 |
5,546 |
5,774 |
6,214 |
6,793 |
6,963 |
7,385 |
7,751 |
8,371 |
9,041 |
9,764 |
A discount of 2.5% applies to each additional member added for floater policies.
Air Ambulance Cover
| Age Bands |
Gross Premium |
| All Age Bands |
₹ 464 |
Reduction in PED Wait periods
(from 48 months to 24 months)
| Age Bands | % of Base |
| Upto 45 Years | 15.0% |
| 46 to 60 Years | 25.0% |
| 61 to 70 Years | 30.0% |
| Above 70 Years | 40.0% |
Room Rent modification (No limit)
| Age Bands | % of Base |
| 5 Lacs & Above | 30% |
Unlimited Automatic Recharge
| Sum Insured/Age Band | 200,000 | 300,000 | 500,000 | 700,000 | 1,000,000 | 2,000,000 | 2,500,000 | 5,000,000 |
| < or equal to 45 years | 17.5% | 17.5% | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% | 5.0% |
| > than 45 years | 25.0% | 25.0% | 15.0% | 15.0% | 15.0% | 15.0% | 15.0% | 10.0% |
% of base policy premium as additional premium
