myhealth medisure classic insurance

Welcome to L&T Insurance

In today’s age of hectic work and busy schedules, we rarely have the time to take proper care of ourselves. And more often than not, our health takes a backseat. Though the negligence may not be deliberate, the stress of everyday life has made us even more susceptible to health risks. With an increased cost of living and continuously growing expenses, treatment for even the most common illnesses can easily burn a hole in our pockets.

At L&T Insurance, we put ourselves in your shoes and keep every detail in mind while designing your health plan. We understand that your family’s health is most precious to you. Which is why we offer you a thoughtful and holistic health insurance plan to reduce your concerns and let you enjoy absolute peace of mind.

my:health Medisure Classic Insurance

L&T Insurance presents my:health Medisure Classic Insurance, a meticulously designed insurance

solution that understands your family's unique health needs and provides you with a step-by-step

plan to ensure their complete well-being. Especially designed through a scientific process,

my:health plans enables you to quickly bounce back from a medical emergency so that you can

continue to spend and cherish your time with your loved ones.

What does my:health Medisure Classic Insurance Cover?

At L&T Insurance, we make sure that most of your medical expenses are taken care of in case of a medical emergency.

my: health Medisure Classic Insurance covers:

1. Basic Cover

• Hospitalisation Expenses –

§ For treatment of any disease, illness or injury in a Hospital as an in-patient which includes-

- Fees of Surgeon, Anesthetist, Nurses and Specialists;

- Cost of Operation Theatre, diagnostic tests, medicines, blood, oxygen and internal appliances like pacemaker as long as these are medically necessary;

§ Treatment should be for a continuous period and includes relapse within 45 days from the date of last consultation at the Hospital/Nursing Home. Occurrence of same illness after a lapse of 45 days will be considered as fresh illness.

§ Hospitalisation as In-patient for a minimum period of 24 hours subject to the limits set below-

Room Rent/Boarding & Nursing as per actuals limited to 1% of the Sum Insured (excluding cumulative bonus) per day subject to a maximum of `4,000/- per day

ICU Rent/Boarding & Nursing as per actuals limited to 2% of the Sum Insured (excluding cumulative bonus) per day subject to a maximum of `6,000/- per day.

§ Expenses on account of Room Rent/ICU Boarding & Nursing if, incurred higher than the limits above, shall be reduced in the same proportion as such actual costs bears to the eligible limits above. Such limits shall not apply where Optional Cover for Waiver of Room Rent Sub-limits has been opted;

• Pre-hospitalisation expenses: This covers the relevant medical expenses you incur within a period of 30 days before you are admitted to a Hospital/Nursing Home provided that;

i. such medical expenses are incurred for the same condition for which your hospitalisation was required and

ii. The in-patient Hospitalisation claim for such hospitalisation is admissible by us.

• Post-hospitalisation expenses: This covers the relevant medical expenses, up to a period of 60 days, after you are discharged from the Hospital/Nursing Home provided that;

i. such medical expenses are incurred for the same condition for which your hospitalisation was required and

ii. The In-patient Hospitalisation claim for such Hospitalisation is admissible by us

Thus, ensuring that you don’t have to worry about expenses post-hospitalisation.

• Day Care Procedures: This covers the medical expenses for a day care procedure or surgery incurred by you for treatment or procedures that requires less than 24 hours of hospitalisation undertaken under general or local aneasthesia. There is no static list for day care procedures in the Policy as advances in medical science leads to many more being added continuously. So, whether it’s recommended by a medical practitioner or even if it is a new procedure, you can be rest assured that, we will cover it. However, this cover excludes diagnostic procedures and treatments taken on an outpatient basis.

• Domiciliary Hospitalisation: Coverage for medical treatment requiring hospitalisation, taken at home on advice of the attending medical practitioner, due to non-availability of a hospital bed, which continues for at least 3 days. Coverage is extended for pre-hospitalisation expenses incurred up to 30 days. However, the post-hospitalisation expenses are not covered.

• Hospitalisation due to Accident: If, during the term of your policy, the entire Sum Insured gets used up or is not enough to cover your second hospitalisation due to accident, the Sum Insured of your policy is ‘reinstated’ or ‘replenished’ to the extent of the claim amount (but not exceeding the Sum Insured) to cover this hospitalisation. This additional amount will be available only ONCE during the 12-month Policy Year.

• Maternity and New-born baby Cover:

Coverage towards maternity expenses and new-born baby cover up to the limit of Sum Insured below:

§� Maximum of 10% of Sum Insured or `20,000/- for a normal delivery and 20% of Sum Insured or `40,000/- for a caesarean section or actual cost, whichever is lower.

�§ Coverage is applicable only for the first two children and/or termination(s).

�§ Coverage is limited to the female member who has been covered under any Policy issued by us for a continuous period of 48 months.

�§ New-born baby covered for a period of 90 days from date of birth within the maternity limits.

§ After 90 days, baby can be added under the Policy by way of endorsement and payment of additional Premium.

Ayurvedic Treatment: Coverage for cost of (non cosmetic) Ayurvedic treatment upto `25,000 per Policy Year, with prior approval from the Company requiring 24 hours hospitalisation/ residential in-patient with government registered hospital for the specified treatments (For details refer the Prospectus). Coverage for Ayurvedic treatments is applicable subject to terms, conditions, definitions, waiting periods and exclusions under the Policy.

• Pre-existing Diseases: After 36 months of continuous coverage, from the 4th year you can claim the payment of relevant medical expenses incurred on your pre-existing diseases.

2. Optional Covers

You can also avail our Optional covers on payment of additional premium.

• Double Sum Insured for Critical Illness:

- Provides for an additional cover equivalent to the Sum Insured excluding the cumulative bonus for treatment of - Cancer, Kidney Failure, Multiple Sclerosis, Primary Pulmonary Hypertension, Major Organ Transplant, Aorta Graft Surgery, Coronary Artery Bypass Graft, First Heart Attack and Stroke.

- Additional Sum Insured (excluding cumulative bonus) is exclusively available only for the treatment of the first occurrence of the above Critical Illnesses.

- Coverage will not be extended for the same Critical Illness for any subsequent Policy Year, however, the remaining critical illnesses will continue to be covered.

- This coverage is in addition to the Hospitalisation cover and the cumulative Sum Insured under both could be used for hospitalisation against covered Critical Illness. And both could be used for any Critical Illness event.

- The option can be availed only up to the age of 65 years (age last birthday) and for Sum Insured of `2 Lacs and above. For customers who avail of such option at or before that age, the cover shall continue to be available in the case of continuous renewals.

• Waiver of Room Rent Sub-limits:

- If this coverage is opted, the sub limits of Room Rent and ICU under the Basic Cover of Hospitalisation Expenses will be waived however, subject to the overall limit of the Sum Insured.

This Option can be availed during inception of the Policy or at the time of renewal. In case additional covers are opted at the time of renewal, its subject to Health check up and Medical Underwriting by the Company.

Other Features of my:health Medisure Classic Insurance

It is our constant endeavour to give you the plan best suited to your requirements. Equipped with various innovative features, L&T Insurance’s my:health Medisure Classic Insurance offers you the following additional features:

• Hospital Cash: `500 per day from 4th to 10th day when hospitalisation exceeds 3 continuous days.

• Ambulance Charges: Maximum up to `1,500/- per hospitalisation.

• Recovery Benefit: `5,000/- when hospitalisation exceeds 10 continuous days or more.

• Health Check-Up: For all Insured Persons at the end of four continuous claim free Policy Years, limited to 1% of average Sum Insured excluding cumulative bonus, per person in case of Individual Policy and for all members put together in case of a floater.

Lifetime Renewal of Policy

• Family Floater: You can cover up to 4 members of your family – your lawful spouse and 2 dependent children up to the age of 23 years - under a single policy and single Sum Insured.

• Family Discount: If you opt for Individual Sum Insured for each of your family members under a single policy instead of a Family Floater option, we give you a Family Discount of 10% on the total premium payable for covering more than 2 family members. This will include you, your lawful spouse, dependent children and dependant parents only. The Family discount will be available for a maximum of 6 persons only.

• Cumulative Bonus: The ‘Sum Insured’ of your policy progressively increases by 5% on every renewal, for every claim-free year, subject to a maximum accumulation of 50% of your Sum Insured (if a claim is made, the Cumulative Benefit that has accrued will be reduced by 20% however, the basic Sum Insured will be maintained at all times).

• Two Year Policy Option: A discount of 5% is available on the combined premium for both the years.

• Lifetime Renewal of Policy: Your Policy is renewable for life time.

• Income Tax Benefit: You can get tax exemption on the premium paid under section 80D of the Income Tax Act.

• Free-look Period: If you are not satisfied with our coverage or terms, you have the option of cancelling the policy within 15 days, provided there has been no claim. We will refund the premium paid after adjusting the amounts spent on stamp duty charges, Medical examination (wherever applicable) and proportionate premium (If Policy has already commenced). Refund will not be applicable if you have made a claim against the Policy during that period.

• Co-payment: All Insured Persons above the age of 80 years (age last birthday) shall bear a

Lifetime Renewal of Policy

co-pay of 10% for each and every claim.

Renewal terms of my:health Medisure Classic

How to Renew your Policy?

You can renew your Policy by making a request to us before the expiry date. You can also renew policy within 30 days from expiry of your Policy subject to the fact that the premium for the renewal is received within the same period. In such a situation, you will be eligible to ‘continuity benefits’ like the cumulative Bonus and continuity of covers. Please note that we, shall not be liable for any claims arising out of ailments/hospitalisation during the period between expiry and renewal.

If the renewal of the Policy is not done within 30 days of due date, it will be considered as a new policy.

We will not be liable to pay hospitalisation expenses incurred during break period. Any disease/condition contracted in the break period will not be covered and will be treated as Pre-existing condition.

The Policy can be renewed for lifetime unless:

I. Any fraud, non cooperation, misrepresentation or suppression of material facts as sought to be declared on the Proposal form by You or on Your behalf is found either in obtaining insurance or subsequently in relation thereto or,

II. We have discontinued issuance of Policy under this Product, in which event You will have the option of renewal under any similar Policy being issued by us; provided however, benefits payable shall be subject to the terms contained in such other Policy. Such

modification or revision of the terms and conditions of the Product shall be intimated to you 3 months in advance along with reasons of modification and revision.

A change in the Sum Insured is allowed on renewals, however it may be subject to Medical test and subsequent Underwriting approval. Any enhanced Sum Insured during subsequent policy renewals will not be available for an illness, disease, injury already contracted under the preceding policy periods. All waiting periods as defined in the Policy shall apply for this enhanced limit from the effective date of enhancement of such Sum Insured considering such Policy Period as the first Policy with us. Sum Insured enhancement will be subject to Underwriting approval.

Based on the experience of the Product, Premium, Terms and Conditions may be revised subject to prior approval of Insurance Regulatory and Development Authority. Such revision shall be intimated to you 3 months in advance with an option of renewal under any similar Policy being issued by us. However, benefits payable shall be subject to the terms contained in such other Policy. Individual Claims experience loading is not applicable under the Policy.

In case of floater Policies, where dependent child crosses age 23 years, renewal can be done in a separate Policy under the same Product or any other available Products with continuity benefits.

If you are above the age of 80 years, there is a 10% co-payment obligation as there is no further premium increase.

For any changes desired at the time of Renewal, please communicate with us. Contact Details are provided at the end of the document.

The Company reserves its right to vary the premium from time to time subject to approval of IRDA (Insurance Regulatory and Development Authority).

Portability Option: Portability will be provided on the Policy in accordance with IRDA guidelines issued on Portability from time to time. You may approach another insurer atleast 45 days before the expiry date to avoid any break in coverage. Portability benefits are not automatically applicable under the Policy unless application for portability has been specifically made and subsequently accepted by the Company.

How to Cancel your Policy?

In case you are not content with our policy and wish to cancel it, you may intimate us by giving 15 days notice in writing and we will refund the premium for the unexpired term as per the short period scales given below:

Period of Cover up to Refund of Annual Premium rate (%)

1 Month 75%

3 Months 50%

6 Months 25%

Exceeding Six Months up to 365 days NIL

In case of 2 year Policy;

If cancellation done before completion of 1 year: same grid as given above is applicable on first year Premium and second year Premium will be completely refunded.

If cancellation is done after completion of 1 year: same grid as given above is applicable however retention Premium on second year premium will be calculated on Annual Premium without long term Policy discount.

A minimum premium of `250 per policy will be retained towards administration charges by the Company.

Get the L&T Advantage

For over 7 decades, across industries, the L&T Group has practised and perfected incisive solutions and its precise delivery. We are a state-of-the-art, technologically-driven company that has the calibre and expertise to provide world-class customer service.

Claims Service Assurance*

We make cashless decision within 6 business hours (where the request is received between9 am to 9 pm on Monday to Saturday) giving you the advantage of time and convenience. During non-working hours and on any other holiday/s, the decision will be in a maximum of 8 hours. Reimbursement claim settlements are made within 6 working days on receipt of complete set of documents.

In case we fail in meeting this assurance, a fixed compensation of `1,000/- shall be payable for a single claim. Assurance is applicable only to the first response on a single claim and no subsequent correspondence.

The above compensation shall be paid notwithstanding the Company’s obligation to pay interest in cases of delay in settlement of claims, as per Reg. 9(6) of IRDA (PPH) Regulations.

*Service features are inbuilt in to the policy and will be available to all Insured Persons without any additional cost.

We combine innovative and unique product benefits coupled with seamless customer support to make sure our approach to your life is a thoughtful one. At L&T Insurance, your health is our priority.

FAQs

Q. Can my:health Medisure Classic Insurance cover my entire family? Are there any age limits?

The Proposer, Spouse, Dependent Children, Dependant Parents and blood relatives can be covered under the Individual Policy. For a floater, Self, Spouse and Dependent Children upto23 years can be covered under a Single Policy.

The following criteria are applicable if you wish to cover your family under a policy:

• Minimum age at entry will be 3 months for children and 18 years for adults.

• Entry and renewals are available for Lifetime.

• Children between the age of 3 months (91 days) and 18 years will be covered only if either of the parent is covered.

• Optional Cover of Double Sum Insured for Critical Illness only up to the age of 65 years (age last birthday) and for Sum Insured of `2 Lacs and above. For customers who avail such option at or before that age, the cover shall continue to be available in the case of continuous renewals.

• The availability of Optional Cover of Waiver of Room Rent Sub-limits under hospitalisation is for lifetime.

Q. What will be my Sum Insured?

With my:health Medisure Classic Insurance, the amount will differ depending on the type of policy you have opted for.

• 1 Lac to 5 Lacs in multiples of 1 Lac for Individual Policies.

• 2 Lacs to 5 Lacs in multiples of 1 Lac for Floater Policies.

Q. What is not covered in my policy?

The Company shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:

1. All pre-existing diseases/illness/injury/conditions as defined in the Policy, until 36 months of continuous covers have elapsed since inception of the first Policy with us.

2. Any disease contracted and/or medical expenses incurred in respect of any disease/illness by the Insured/Insured Person during the first 30 days from the commencement date of the Policy except in case of accidental injuries. This exclusion doesn’t apply for Insured/Insured Person having any health insurance indemnity policy in India atleast for 1 year prior to taking this Policy as well as for subsequent renewals with the Company without a break.

3. All expenses along with their complications on treatment towards Cataract, Hysterectomy other than for Malignancy, Uterine prolapse including any condition requiring Hysterectomy, Polycystic Ovarian Diseases, Myomectomy for Fibroids, Knee Replacement Surgery (other than caused by an Accident), Osteoarthritis and Osteoporosis if age related, Arthritis, Rheumatism, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertibral Discs(other than caused by accident), Varicose Veins and Varicose Ulcers, Hernia, Stones in the Urinary, Uro-Genital and Biliary Systems, Benign Prostate Hypertrophy, Hydrocele, Congenital Internal anomaly, Fistula in Anus, Piles, Fissures, Fibroids, Dilatation & Curettage for treatment purposes, Pilonidal Sinus, Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on Tonsils/Adenoids, Gastric and Duodenal Ulcer, any type of Cysts/Nodules/Polyps,and any type of Breast Lumps, benign ear, Nose and Throat disorders and surgeries Chronic Nephritis and Nephritic Syndrome, Hypertension and Diabetes and related

complications during the first two years(24 months) of continuous operation of this insurance cover.

Diabetes & Related complications include: Diabetic Retinopathy, Diabetic Nephropathy, Diabetic Foot/Wound, Diabetic Angiopathy, Diabetic Neuropathy, Hyper/Hypoglycaemic Shocks.

Hypertension & Related complications include: Coronary Artery Disease, Cerebrovascular Accident, Hypertensive Nephropathy, Internal Bleed/Haemorrhages. If these diseases are pre-existing at the time of proposal or subsequently found to be pre-existing Exclusion 1 above shall apply.

4. Domiciliary hospitalisation expenses in respect of following:

1. Asthma, Bronchitis, Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis, Cough and Cold, Influenza,

2. Arthritis, Gout and Rheumatism,

3. Chronic Nephritis and Nephritic Syndrome,

4. Diarrhoea and all type of Dysenteries including Gastroenteritis,

5. Diabetes Mellitus and Insipidus,

6. Epilepsy,

7. Hypertension,

8. Psychiatric or Psychosomatic Disorders of all kinds,

9. Pyrexia of unknown Origin.

5. Any treatment arising from or traceable to pregnancy, childbirth including caesarean section until 48 months of continuous coverage has elapsed since the inception of the first Policy with the Company. However, this exclusion/waiting period will not apply to Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the attending Medical Practitioner.

6. Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder or due to an Accident.

7. Genetic disorder and stem cell implantation/surgery.

8. Dental treatment or surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours hospitalisation or treatment of irreversible bone disease involving the jaw which cannot be treated in any other way, but not if it is related to gum disease or tooth disease or damage.

9. Birth control procedures, hormone replacement therapy and voluntary termination of pregnancy during the first 12 weeks from the date of conception.

10. Routine medical, eye and ear examinations, cost of spectacles, laser surgery for cosmetic purposes or corrective surgeries, contact lenses or hearing aids, vaccinations except post-bite treatment for new born baby up to 90 days, issue of medical certificates and examinations as to suitability for employment or travel.

11. All expenses arising out of any condition directly or indirectly caused due to or associated with human T-call Lymph tropic virus type III (HTLV-III) or Lymphadinopathy Associated Virus (LAV) or Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases/illness/injury caused by and/or related to HIV and sexually transmitted diseases.

12. Vitamins and tonics unless forming part of treatment for disease, illness or injury and prescribed by a Medical Practitioner.

13. Instrument used in treatment of Sleep Apnoea Syndrome (C.P.A.P.) and Continuous Peritoneal Ambulatory Dialysis (C.P.A.D.) and Oxygen Concentrator for Bronchial Asthmatic condition, Infusion pump or any other external devices used during or after treatment.

14. Artificial life maintenance, including life support machine use, where such treatment will not result in recovery or restoration of the previous state of health.

15. Treatment for developmental problems including learning difficulties eg. Dyslexia, behavioural problems including attention deficit hyperactivity disorder (ADHD).

16. Treatment for general debility, ageing, convalescence, run-down condition or rest cure, Congenital external anomaly/ies or defects, sterility, infertility including IVF, impotency, venereal disease, puberty, menopause or intentional self-injury, suicide or attempted suicide (whether sane or insane).

17. Certification/Diagnosis/Treatment by a family member or from persons not registered as Medical Practitioners under the respective Medical Councils, or any diagnosis or treatment that is not scientifically recognised or experimental or unproven.

18. Ailment requiring treatment due to use, abuse or a consequence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen and treatment for de-addiction, or rehabilitation.

19. Any illness or hospitalisation arising or resulting from the Insured/Insured person or any of his family members committing any breach of law with criminal intent.

20. Any treatment received in convalescent homes, convalescent hospitals, health hydros, nature cure clinics or similar establishments.

21. Prostheses, corrective devices and medical appliances, which are not required intra-operatively for the disease/illness/injury for which the Insured/Insured Person was hospitalised.

22. Any stay in Hospital/Nursing Home without undertaking any treatment or any other purpose other than for receiving eligible treatment of a type that normally requires a stay in the hospital.

23. Treatment of any mental illness or sickness or disease including a psychiatric condition, disorganisation of personality or mind, or emotions or behaviour, Parkinson’s or Alzheimer’s disease even if caused or aggravated by or related to an Accident or Illness or general debility or exhaustion (“run-down condition”).

24. Any cosmetic surgery unless forming part of treatment for cancer or burns, surgery for sex change or treatment of obesity/morbid obesity or treatment/surgery /complications/illness arising as a consequence thereof.

25. Charges incurred primarily for diagnostic, X-ray or laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment even if the same requires confinement at a Hospital/Nursing Home.

26. Costs of donor screening and organ.

27. Costs incurred on all medical treatments other than Allopathy Treatments. Ayuvedic expenses covered to the extent of coverage provided in Annexure A.

28. Insured/Insured Persons whilst engaging in speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving,

paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports or involving a naval military or air force operation.

29. Insured/Insured Person whilst flying or taking part in aerial activities (including cabin crew) except as a fare-paying passenger in a regular Scheduled Airline or Air Charter Company.

30. All expenses caused by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

31. All expenses directly or indirectly, caused by or arising from or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country), civil war, public defense, rebellion, revolution, insurrection, military or usurped power.

32. All non-medical expenses including but not limited to convenience items for personal comfort not consistent with or incidental to the diagnosis and treatment of the disease/illness/injury for which the Insured/Insured Person was hospitalized, Ambulatory devices, walker, crutches, belts, collars, splints, slings, braces, stockings of any kind, diabetic footwear, glucometer/thermometer and any medical equipment that is subsequently used at home except when they form part of Room expenses.

33. Any condition after the point at which it is certified by the attending Medical Practitioner to be of such a nature that further medical treatment may serve to stabilize or maintain it but it is unlikely to result in a material improvement within a reasonable time.

34. Service charges levied by the Hospital/Nursing Home, except registration/admission charges.

35. Pre-Post hospitalization expenses of the donor, donor screening, cost of organ or any other medical treatment for the donor consequent on the harvesting.

Medical Examination Report,

Treadmill Test, Complete Blood

Count, Lipid Profile, HBA1C, Serum

Creatinine, Urinalysis, SGOT, SGPT

and GGT

Q. What is the premium payable for my:health Medisure Classic Insurance?

The Premium will be based on the age, total number of persons you wish to cover, the policy

tenure and Sum Insured you opt for.

Premium as per Annexure attached

1.1 All Individuals up to 50 years (age last birthday as at Policy inception date) - The Company will rely on the declarations made on the Proposal Form. In case the declaration reveals any medical adversity, the Company may require the individual to undergo appropriate medical tests.

1.2 For age group 51-65 years (age last birthday as at Policy inception date) The Individuals would be required to undergo pre-acceptance medical tests - Medical Examination Report, Treadmill Test, Lipid Profile, HbA1C, Serum Creatinine, Complete Blood Count, Urinalysis.

1.3 For the following category:

Scenarios Medical Tests Requirement

Age group 66 yrs and above

Age group 51 - 65 years with Optional Cover

for Double Sum Insured for Critical Illness

Optional Cover for Double Sum Insured for

Critical Illness at Renewal with or without

Claim irrespective of age

(Age last birthday as at Policy inception date to be considered)

The Company reserves its right to require any individual to undergo such medical tests or

where required any further additional tests, at the sole discretion of the Company to

determine the acceptance of a Proposal.

Some of the objective criteria defined as under -

All Medical reports need to be within 30 days from date of Proposal Form and can be

conducted at the Company’s list of Network Hospitals/Clinics.

In case of accepted proposals, the Company shall reimburse 50% of the pre-acceptance medical

test costs. (on our pre agreed rates with the network provider)

Medical Underwriting: Proposer about 50 years of age and those having medical history are

subject to Medical Underwriting by the company. The company reserves the right to

Accept/Decline/Accept with exclusion or Premium loading (upto maximum of 100% on basic

Premium). These loadings are applied from Commencement Date of the Policy including

subsequent renewal(s) with us.

Q. How do I lodge a claim under my:health Medisure Classic Insurance?

There are various methods to lodge a claim under my:health Medisure Classic Insurance.

For cashless* hospitalisation: (*cashless facility is available only at our network hospitals)

• All you have to do is contact us at the numbers provided on your health card immediately.

• Just submit a Cashless request form to us, along with all information and documents

pertaining to the illness as required.

• Our representative will be happy to guide you further and help you process the request.

Based on the coverage under your policy, the cashless request will be approved.

For a reimbursement of expenses: (at other hospitals outside of our network) or at network

hospitals where cashless is not availed:

• You will need to collate the original bills along with other documents as required and

submit it to the address mentioned in your policy schedule.

In case of planned hospitalisation, please inform us 72 hours in advance and in case of

emergency within 24 hours of admission. (For detailed information on our network of hospitals

as well as documentation for cashless claims please visit www.ltinsurance.com)

Q. What is the claims settlement procedure?

Our Claims settlement procedure is quick and transparent. For any kind of support or

information, please call our helpline 1800 102 3243 or write to us at:

[email protected]. Undue delay in intimation of claim or submission of

documents may prejudice a claim.

To understand the claims process in detail, and to get a checklist of the documentation, please

visit www.ltinsurance.com and view the ‘claims process’ section.

Special channel for Insured Persons who are Senior Citizens:

‘Good things come with time’ and so for our customers who are above 60 years of age we have

created special channels to address any health insurance related query. At L&T Insurance, our

senior citizen customers can reach us through the below dedicated channels to enable us to

service them promptly.

The Company reserves its rights to vary the premium from time to time subject to approval

of IRDA.

Q. Does my policy have the option of portability?

Portability will be provided on your policy in accordance to IRDA guidelines issued on Portability.

Disclaimers:-

IRDA Reg. No. 146 L&T Insurance is the brand of L&T General Insurance Company Ltd.

Registered Office: L&T House, Ballard Estate, N.M. Marg, Mumbai - 400 001

Corporate Office: 6th Floor, City 2, Plot no. 177, CST Road, Near Bandra-Kurla Telephone

Exchange, Kalina, Santacruz East, Mumbai - 400 098.

Insurance is subject matter of the solicitation. IRDA Reg. No. 146

L&T Insurance is the brand of L&T General Insurance Company Limited.

Regd. Office:

Corporate Office:

Advt. Ref. No.

Registered Office: L&T General Insurance Company Limited, L&T House, N.M. Marg, Ballard Estate,

Mumbai - 400001. IRDA Registration No. 146. Insurance is the subject matter of solicitation.

Unique Identification Number - IRDA/NL-HLT/L&TGI/P-H/V.I/249/13-14 Advt. Ref. No. - LTGICL/FY13-14/ 048

The product literature gives only the salient features of the Policy and is subject to the Policy terms, conditions

and exclusions. For further details on all the conditions and for complete information, please visit our website

www.ltinsurance.com

Reach us at the touch points below

Toll - free No.:1800-209-5846 (1800-209-LTIN)

SMS:‘LTI’ to 5607058 (56070LT). We will call you back.

Email:[email protected]

Write to us:L&T General Insurance Company Limited6th Floor, City 2, Plot no. 177, CST Road,Near Bandra-Kurla Telephone Exchange, Kalina,Santacruz East, Mumbai – 400098, INDIA

Website:www.ltinsurance.com

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Individual One Year Premium Rates

Base CoverPremium Exclusive of Service TaxA1C0_1 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 1,994 2,516 3,121 3,830 4,481 36 to 40 Years 2,192 2,773 3,451 4,243 4,974 41 to 45 Years 2,406 3,055 3,818 4,706 5,529 46 to 50 Years 3,407 4,376 5,534 6,869 8,127 51 to 55 Years 4,184 5,261 6,553 8,038 9,442 56 to 60 Years 5,491 6,976 8,775 10,832 12,79261 to 65 Years 6,299 8,034 10,142 12,550 14,84966 to 70 Years 8,656 11,109 14,107 17,520 20,79671 to 75 Years 10,945 14,083 17,931 22,302 26,50976 to 80 Years 11,687 15,040 19,157 23,830 28,332Above 80 Years 13,710 17,676 22,552 28,083 33,418

Base Cover + No Sub LimitPremium Exclusive of Service TaxA1C0_2 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 2,442 3,233 4,000 4,977 5,736 36 to 40 Years 2,699 3,585 4,445 5,541 6,394 41 to 45 Years 2,981 3,976 4,946 6,179 7,140 46 to 50 Years 4,302 5,808 7,288 9,159 10,63251 to 55 Years 5,186 6,865 8,518 10,604 12,24956 to 60 Years 6,902 9,234 11,541 14,444 16,74361 to 65 Years 7,960 10,691 13,397 16,802 19,49966 to 70 Years 11,035 14,915 18,769 23,610 27,45771 to 75 Years 14,009 18,985 23,936 30,145 35,08776 to 80 Years 14,967 20,288 25,585 32,226 37,516Above 80 Years 17,603 23,904 30,181 38,048 44,317

Base Cover + Critical IllnessPremium Exclusive of Service TaxA1C0_3 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 2,889 3,308 3,954 4,581 36 to 40 Years 3,271 3,700 4,409 5,107 41 to 45 Years 3,677 4,129 4,913 5,695 46 to 50 Years 5,676 6,281 7,367 8,525 51 to 55 Years 7,917 8,171 9,117 10,30556 to 60 Years 10,296 10,767 12,160 13,85461 to 65 Years 12,184 12,383 14,044 16,04466 to 70 Years 16,089 16,597 19,180 22,12471 to 75 Years 19,810 20,794 24,211 28,03676 to 80 Years 23,008 23,141 26,486 30,457Above 80 Years 25,644 26,536 30,739 35,543

Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA1C0_4 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 3,606 4,187 5,101 5,836 36 to 40 Years 4,083 4,694 5,707 6,527 41 to 45 Years 4,598 5,257 6,386 7,306 46 to 50 Years 7,108 8,035 9,657 11,03051 to 55 Years 9,521 10,136 11,683 13,11256 to 60 Years 12,554 13,533 15,772 17,80561 to 65 Years 14,841 15,638 18,296 20,69466 to 70 Years 19,895 21,259 25,270 28,78571 to 75 Years 24,712 26,799 32,054 36,61476 to 80 Years 28,256 29,569 34,882 39,641Above 80 Years 31,872 34,165 40,704 46,442

Floater 2 Adults One Year Premium Rates

Base CoverPremium Exclusive of Service TaxA2C0_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 4,009 5,001 6,147 7,221 36 to 40 Years 4,441 5,559 6,845 8,056 41 to 45 Years 4,918 6,179 7,627 8,995 46 to 50 Years 6,988 8,873 11,025 13,07651 to 55 Years 8,625 10,731 13,132 15,42556 to 60 Years 11,387 14,342 17,695 20,91361 to 65 Years 13,121 16,591 20,523 24,30366 to 70 Years 18,176 23,124 28,720 34,11871 to 75 Years 23,041 29,401 36,585 43,52576 to 80 Years 24,608 31,414 39,099 46,526Above 80 Years 28,920 36,988 46,094 54,900

Base Cover + No Sub LimitPremium Exclusive of Service TaxA2C0_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,223 6,488 8,090 9,347 36 to 40 Years 5,813 7,241 9,043 10,46141 to 45 Years 6,474 8,088 10,121 11,72346 to 50 Years 9,346 11,764 14,803 17,20951 to 55 Years 11,266 13,970 17,365 20,05656 to 60 Years 15,081 18,883 23,636 27,41861 to 65 Years 17,468 21,935 27,515 31,96066 to 70 Years 24,403 30,779 38,735 45,08471 to 75 Years 31,060 39,259 49,483 57,64876 to 80 Years 33,194 41,968 52,908 61,646Above 80 Years 39,109 49,514 62,483 72,845

Base Cover + Critical IllnessPremium Exclusive of Service TaxA2C0_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 4,641 5,317 6,358 7,390 36 to 40 Years 5,283 5,980 7,126 8,281 41 to 45 Years 5,970 6,706 7,978 9,276 46 to 50 Years 9,129 10,104 11,846 13,73351 to 55 Years 12,999 13,399 14,912 16,84956 to 60 Years 16,818 17,612 19,879 22,66261 to 65 Years 19,910 20,270 22,980 26,27166 to 70 Years 26,323 27,212 31,450 36,30471 to 75 Years 32,410 34,102 39,724 46,03976 to 80 Years 37,643 37,954 43,467 50,024Above 80 Years 41,955 43,528 50,462 58,398

Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA2C0_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,855 6,804 8,301 9,516 36 to 40 Years 6,655 7,662 9,324 10,68641 to 45 Years 7,526 8,615 10,472 12,00446 to 50 Years 11,487 12,995 15,624 17,86651 to 55 Years 15,640 16,638 19,145 21,48056 to 60 Years 20,512 22,153 25,820 29,16761 to 65 Years 24,257 25,614 29,972 33,92866 to 70 Years 32,550 34,867 41,465 47,27071 to 75 Years 40,429 43,960 52,622 60,16276 to 80 Years 46,229 48,508 57,276 65,144Above 80 Years 52,144 56,054 66,851 76,343

Floater 2 Adults and 1 Child One Year Premium Rates

Base CoverPremium Exclusive of Service TaxA2C1_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,319 6,641 8,160 9,596 36 to 40 Years 5,751 7,199 8,858 10,43041 to 45 Years 6,228 7,819 9,640 11,37046 to 50 Years 8,298 10,513 13,038 15,45151 to 55 Years 9,935 12,371 15,145 17,80056 to 60 Years 12,696 15,982 19,708 23,28861 to 65 Years 14,431 18,231 22,535 26,67866 to 70 Years 19,486 24,764 30,733 36,49371 to 75 Years 24,351 31,041 38,598 45,89976 to 80 Years 25,918 33,054 41,112 48,901Above 80 Years 30,230 38,628 48,107 57,275

Base Cover + No Sub LimitPremium Exclusive of Service TaxA2C1_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 6,959 8,650 10,785 12,46736 to 40 Years 7,549 9,403 11,738 13,58041 to 45 Years 8,210 10,249 12,816 14,84446 to 50 Years 11,082 13,926 17,498 20,33051 to 55 Years 13,002 16,132 20,059 23,17656 to 60 Years 16,816 21,044 26,330 30,53961 to 65 Years 19,204 24,097 30,209 35,08066 to 70 Years 26,139 32,940 41,430 48,20571 to 75 Years 32,796 41,421 52,178 60,76876 to 80 Years 34,930 44,130 55,603 64,767Above 80 Years 40,845 51,675 65,177 75,966

Base Cover + Critical IllnessPremium Exclusive of Service TaxA2C1_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 6,173 7,068 8,445 9,824 36 to 40 Years 6,815 7,731 9,213 10,71441 to 45 Years 7,502 8,457 10,065 11,71046 to 50 Years 10,661 11,855 13,933 16,16751 to 55 Years 14,531 15,150 16,999 19,28356 to 60 Years 18,349 19,363 21,966 25,09661 to 65 Years 21,442 22,021 25,066 28,70566 to 70 Years 27,855 28,963 33,537 38,73971 to 75 Years 33,942 35,853 41,811 48,47376 to 80 Years 39,175 39,705 45,554 52,458Above 80 Years 43,487 45,279 52,549 60,832

Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA2C1_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 7,813 9,077 11,070 12,69536 to 40 Years 8,613 9,935 12,093 13,86441 to 45 Years 9,484 10,887 13,241 15,18446 to 50 Years 13,445 15,268 18,393 21,04651 to 55 Years 17,598 18,911 21,913 24,65956 to 60 Years 22,469 24,425 28,588 32,34761 to 65 Years 26,215 27,887 32,740 37,10766 to 70 Years 34,508 37,139 44,234 50,45171 to 75 Years 42,387 46,233 55,391 63,34276 to 80 Years 48,187 50,781 60,045 68,324Above 80 Years 54,102 58,326 69,619 79,523

Floater 2 Adults and 2 Children One Year Premium Rates

Base CoverPremium Exclusive of Service TaxA2C2_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 6,606 8,252 10,136 11,92736 to 40 Years 7,039 8,810 10,834 12,76141 to 45 Years 7,515 9,430 11,616 13,70146 to 50 Years 9,585 12,124 15,014 17,78251 to 55 Years 11,223 13,982 17,121 20,13156 to 60 Years 13,984 17,593 21,684 25,61961 to 65 Years 15,718 19,842 24,512 29,00966 to 70 Years 20,773 26,375 32,709 38,82471 to 75 Years 25,639 32,652 40,574 48,23076 to 80 Years 27,206 34,665 43,088 51,232Above 80 Years 31,517 40,239 50,083 59,606


Base Cover + Critical IllnessPremium Exclusive of Service TaxA2C2_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 7,677 8,788 10,493 12,21336 to 40 Years 8,320 9,451 11,261 13,10341 to 45 Years 9,006 10,176 12,114 14,09946 to 50 Years 12,166 13,575 15,982 18,55651 to 55 Years 16,036 16,870 19,047 21,67256 to 60 Years 19,855 21,083 24,014 27,48561 to 65 Years 22,946 23,741 27,115 31,09466 to 70 Years 29,359 30,682 35,585 41,12871 to 75 Years 35,447 37,573 43,860 50,86176 to 80 Years 40,681 41,425 47,602 54,847Above 80 Years 44,992 46,999 54,597 63,221


Floater 1 Adult and 1 Child One Year Premium Rates

Base CoverPremium Exclusive of Service TaxA1C1_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 3,825 4,761 5,843 6,856 36 to 40 Years 4,083 5,091 6,256 7,349 41 to 45 Years 4,365 5,458 6,718 7,904 46 to 50 Years 5,686 7,174 8,882 10,50151 to 55 Years 6,571 8,193 10,051 11,81756 to 60 Years 8,286 10,415 12,845 15,16761 to 65 Years 9,344 11,783 14,562 17,22466 to 70 Years 12,418 15,747 19,532 23,17171 to 75 Years 15,393 19,571 24,314 28,88476 to 80 Years 16,350 20,797 25,843 30,707Above 80 Years 18,986 24,192 30,096 35,793

Base Cover + No Sub LimitPremium Exclusive of Service TaxA1C1_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 4,968 6,161 7,672 8,857 36 to 40 Years 5,321 6,607 8,236 9,515 41 to 45 Years 5,712 7,108 8,873 10,26146 to 50 Years 7,544 9,449 11,854 13,75251 to 55 Years 8,601 10,679 13,299 15,36956 to 60 Years 10,970 13,703 17,139 19,86361 to 65 Years 12,427 15,560 19,495 22,62066 to 70 Years 16,650 20,931 26,303 30,57771 to 75 Years 20,721 26,097 32,838 38,20876 to 80 Years 22,024 27,747 34,921 40,636Above 80 Years 25,640 32,343 40,743 47,438

Base Cover + Critical IllnessPremium Exclusive of Service TaxA1C1_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 4,420 5,059 6,041 7,015 36 to 40 Years 4,803 5,451 6,496 7,541 41 to 45 Years 5,209 5,880 6,999 8,129 46 to 50 Years 7,208 8,032 9,454 10,95951 to 55 Years 9,449 9,922 11,204 12,73956 to 60 Years 11,828 12,518 14,247 16,28961 to 65 Years 13,716 14,135 16,130 18,47866 to 70 Years 17,620 18,348 21,266 24,55871 to 75 Years 21,342 22,545 26,297 30,47076 to 80 Years 24,539 24,892 28,573 32,891Above 80 Years 27,175 28,287 32,826 37,977

Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA1C1_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,563 6,459 7,870 9,016 36 to 40 Years 6,041 6,967 8,476 9,707 41 to 45 Years 6,556 7,530 9,154 10,48646 to 50 Years 9,066 10,307 12,426 14,21051 to 55 Years 11,479 12,408 14,452 16,29156 to 60 Years 14,512 15,806 18,541 20,98561 to 65 Years 16,799 17,912 21,063 23,87466 to 70 Years 21,852 23,532 28,037 31,96471 to 75 Years 26,670 29,071 34,821 39,79476 to 80 Years 30,213 31,842 37,651 42,820Above 80 Years 33,829 36,438 43,473 49,622

Floater 1 Adult and 2 Children One Year Premium Rates

Base CoverPremium Exclusive of Service TaxA1C2_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,113 6,372 7,819 9,186 36 to 40 Years 5,371 6,702 8,232 9,680 41 to 45 Years 5,653 7,069 8,695 10,23546 to 50 Years 6,973 8,785 10,858 12,83251 to 55 Years 7,858 9,804 12,027 14,14856 to 60 Years 9,573 12,026 14,821 17,49861 to 65 Years 10,631 13,393 16,539 19,55566 to 70 Years 13,706 17,358 21,509 25,50271 to 75 Years 16,680 21,182 26,291 31,21576 to 80 Years 17,638 22,408 27,819 33,038Above 80 Years 20,273 25,803 32,072 38,124


Base Cover + Critical IllnessPremium Exclusive of Service TaxA1C2_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,926 6,778 8,090 9,403 36 to 40 Years 6,308 7,171 8,544 9,930 41 to 45 Years 6,715 7,600 9,049 10,51846 to 50 Years 8,712 9,752 11,502 13,34851 to 55 Years 10,953 11,642 13,252 15,12856 to 60 Years 13,332 14,238 16,295 18,67761 to 65 Years 15,220 15,853 18,179 20,86766 to 70 Years 19,125 20,067 23,315 26,94771 to 75 Years 22,846 24,265 28,346 32,85976 to 80 Years 26,045 26,611 30,621 35,280Above 80 Years 28,680 30,006 34,874 40,366


Individual One Year Premium Rates

Base CoverPremium Inclusive of Service Tax of 12.36%A1C0_1 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 2,240 2,827 3,507 4,303 5,035 36 to 40 Years 2,463 3,116 3,878 4,767 5,589 41 to 45 Years 2,703 3,433 4,290 5,288 6,212 46 to 50 Years 3,828 4,917 6,218 7,718 9,131 51 to 55 Years 4,701 5,911 7,363 9,031 10,609 56 to 60 Years 6,170 7,838 9,860 12,171 14,373 61 to 65 Years 7,078 9,027 11,396 14,101 16,684 66 to 70 Years 9,726 12,482 15,851 19,685 23,366 71 to 75 Years 12,298 15,824 20,147 25,059 29,786 76 to 80 Years 13,132 16,899 21,525 26,775 31,834 Above 80 Years 15,405 19,861 25,339 31,554 37,548

Base Cover + No Sub LimitPremium Inclusive of Service Tax of 12.36%A1C0_2 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 2,744 3,633 4,494 5,592 6,445 36 to 40 Years 3,033 4,028 4,994 6,226 7,184 41 to 45 Years 3,349 4,467 5,557 6,943 8,023 46 to 50 Years 4,834 6,526 8,189 10,291 11,946 51 to 55 Years 5,827 7,714 9,571 11,915 13,763 56 to 60 Years 7,755 10,375 12,967 16,229 18,812 61 to 65 Years 8,944 12,012 15,053 18,879 21,909 66 to 70 Years 12,399 16,758 21,089 26,528 30,851 71 to 75 Years 15,741 21,332 26,894 33,871 39,424 76 to 80 Years 16,817 22,796 28,747 36,209 42,153 Above 80 Years 19,779 26,859 33,911 42,751 49,795

Base Cover + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C0_3 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years - 3,246 3,717 4,443 5,147 36 to 40 Years - 3,675 4,157 4,954 5,738 41 to 45 Years - 4,131 4,639 5,520 6,399 46 to 50 Years - 6,378 7,057 8,278 9,579 51 to 55 Years - 8,896 9,181 10,244 11,579 56 to 60 Years - 11,569 12,098 13,663 15,566 61 to 65 Years - 13,690 13,914 15,780 18,027 66 to 70 Years - 18,078 18,648 21,551 24,859 71 to 75 Years - 22,259 23,364 27,203 31,501 76 to 80 Years - 25,852 26,001 29,760 34,221 Above 80 Years - 28,814 29,816 34,538 39,936

Base Cover + No Sub Limit + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C0_4 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years - 4,052 4,705 5,731 6,557 36 to 40 Years - 4,588 5,274 6,412 7,334 41 to 45 Years - 5,166 5,907 7,175 8,209 46 to 50 Years - 7,987 9,028 10,851 12,393 51 to 55 Years - 10,698 11,389 13,127 14,733 56 to 60 Years - 14,106 15,206 17,721 20,006 61 to 65 Years - 16,675 17,571 20,557 23,252 66 to 70 Years - 22,354 23,887 28,393 32,343 71 to 75 Years - 27,766 30,111 36,016 41,139 76 to 80 Years - 31,748 33,224 39,193 44,541 Above 80 Years - 35,811 38,388 45,735 52,182

Floater 2 Adults One Year Premium Rates

Base CoverPremium Inclusive of Service Tax of 12.36%A2C0_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 4,505 5,619 6,907 8,114 36 to 40 Years 4,990 6,246 7,691 9,052 41 to 45 Years 5,526 6,943 8,570 10,107 46 to 50 Years 7,852 9,970 12,388 14,692 51 to 55 Years 9,691 12,057 14,755 17,332 56 to 60 Years 12,794 16,115 19,882 23,498 61 to 65 Years 14,743 18,642 23,060 27,307 66 to 70 Years 20,423 25,982 32,270 38,335 71 to 75 Years 25,889 33,035 41,107 48,905 76 to 80 Years 27,650 35,297 43,932 52,277 Above 80 Years 32,495 41,560 51,791 61,686

Base Cover + No Sub LimitPremium Inclusive of Service Tax of 12.36%A2C0_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,869 7,290 9,090 10,502 36 to 40 Years 6,531 8,136 10,161 11,754 41 to 45 Years 7,274 9,088 11,372 13,172 46 to 50 Years 10,501 13,218 16,633 19,336 51 to 55 Years 12,658 15,697 19,511 22,535 56 to 60 Years 16,945 21,217 26,557 30,807 61 to 65 Years 19,627 24,646 30,916 35,910 66 to 70 Years 27,419 34,583 43,523 50,656 71 to 75 Years 34,899 44,111 55,599 64,773 76 to 80 Years 37,297 47,155 59,447 69,265 Above 80 Years 43,943 55,634 70,206 81,849

Base Cover + Critical IllnessPremium Inclusive of Service Tax of 12.36%A2C0_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,215 5,974 7,144 8,303 36 to 40 Years 5,936 6,719 8,007 9,305 41 to 45 Years 6,708 7,535 8,964 10,423 46 to 50 Years 10,257 11,353 13,310 15,430 51 to 55 Years 14,606 15,055 16,755 18,932 56 to 60 Years 18,897 19,789 22,336 25,463 61 to 65 Years 22,371 22,775 25,820 29,518 66 to 70 Years 29,577 30,575 35,337 40,791 71 to 75 Years 36,416 38,317 44,634 51,729 76 to 80 Years 42,296 42,645 48,840 56,207 Above 80 Years 47,141 48,908 56,699 65,616

Base Cover + No Sub Limit + Critical IllnessPremium Inclusive of Service Tax of 12.36%A2C0_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 6,579 7,645 9,327 10,692 36 to 40 Years 7,478 8,609 10,476 12,007 41 to 45 Years 8,456 9,680 11,766 13,488 46 to 50 Years 12,907 14,601 17,555 20,074 51 to 55 Years 17,573 18,694 21,511 24,135 56 to 60 Years 23,047 24,891 29,011 32,772 61 to 65 Years 27,255 28,780 33,677 38,122 66 to 70 Years 36,573 39,177 46,590 53,113 71 to 75 Years 45,426 49,393 59,126 67,598 76 to 80 Years 51,943 54,504 64,355 73,196 Above 80 Years 58,589 62,982 75,114 85,779

Floater 2 Adults and 1 Child One Year Premium Rates





Floater 2 Adults and 2 Children One Year Premium Rates





Floater 1 Adult and 1 Child One Year Premium Rates






Base CoverPremium Inclusive of Service Tax of 12.36%A1C2_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,745 7,160 8,785 10,32136 to 40 Years 6,035 7,530 9,249 10,87641 to 45 Years 6,352 7,943 9,770 11,50046 to 50 Years 7,835 9,871 12,200 14,41851 to 55 Years 8,829 11,016 13,514 15,89756 to 60 Years 10,756 13,512 16,653 19,66161 to 65 Years 11,945 15,048 18,583 21,97266 to 70 Years 15,400 19,503 24,168 28,65471 to 75 Years 18,742 23,800 29,541 35,07376 to 80 Years 19,818 25,178 31,257 37,121Above 80 Years 22,779 28,992 36,036 42,836

Base Cover + No Sub LimitPremium Inclusive of Service Tax of 12.36%A1C2_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 7,499 9,308 11,591 13,39036 to 40 Years 7,894 9,808 12,225 14,13041 to 45 Years 8,334 10,371 12,942 14,96946 to 50 Years 10,391 13,002 16,290 18,89151 to 55 Years 11,579 14,384 17,912 20,70856 to 60 Years 14,241 17,781 22,228 25,75961 to 65 Years 15,879 19,866 24,877 28,85566 to 70 Years 20,624 25,903 32,526 37,79771 to 75 Years 25,197 31,708 39,869 46,37076 to 80 Years 26,662 33,562 42,208 49,098Above 80 Years 30,724 38,726 48,749 56,741

Base Cover + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C2_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 6,658 7,616 9,090 10,56536 to 40 Years 7,088 8,057 9,600 11,15741 to 45 Years 7,545 8,539 10,167 11,81846 to 50 Years 9,789 10,957 12,924 14,99851 to 55 Years 12,307 13,081 14,890 16,99856 to 60 Years 14,980 15,998 18,309 20,98561 to 65 Years 17,101 17,812 20,426 23,44666 to 70 Years 21,489 22,547 26,197 30,27871 to 75 Years 25,670 27,264 31,850 36,92076 to 80 Years 29,264 29,900 34,406 39,641Above 80 Years 32,225 33,715 39,184 45,355

Base Cover + No Sub Limit + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C2_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 8,412 9,764 11,896 13,63436 to 40 Years 8,947 10,335 12,575 14,41141 to 45 Years 9,527 10,967 13,339 15,28746 to 50 Years 12,345 14,089 17,014 19,47151 to 55 Years 15,056 16,450 19,289 21,80956 to 60 Years 18,464 20,266 23,884 27,08361 to 65 Years 21,035 22,630 26,719 30,32966 to 70 Years 26,712 28,947 34,555 39,42071 to 75 Years 32,125 35,172 42,178 48,21776 to 80 Years 36,108 38,284 45,356 51,617Above 80 Years 40,170 43,448 51,897 59,260


Base CoverPremium Inclusive of Service Tax of 12.36%A1C3_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 7,205 8,985 11,026 12,96536 to 40 Years 7,493 9,357 11,491 13,52041 to 45 Years 7,810 9,770 12,010 14,14446 to 50 Years 9,294 11,698 14,441 17,06251 to 55 Years 10,289 12,842 15,754 18,54156 to 60 Years 12,216 15,339 18,894 22,30561 to 65 Years 13,405 16,875 20,824 24,61666 to 70 Years 16,860 21,330 26,408 31,29871 to 75 Years 20,201 25,626 31,781 37,71776 to 80 Years 21,276 27,003 33,499 39,765Above 80 Years 24,238 30,818 38,278 45,480

Base Cover + No Sub LimitPremium Inclusive of Service Tax of 12.36%A1C3_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 9,431 11,714 14,590 16,86336 to 40 Years 9,827 12,216 15,225 17,60341 to 45 Years 10,266 12,779 15,939 18,44246 to 50 Years 12,325 15,409 19,289 22,36451 to 55 Years 13,512 16,790 20,911 24,18156 to 60 Years 16,174 20,188 25,227 29,23261 to 65 Years 17,811 22,274 27,875 32,32866 to 70 Years 22,557 28,310 35,525 41,26971 to 75 Years 27,130 34,114 42,868 49,84376 to 80 Years 28,594 35,968 45,208 52,571Above 80 Years 32,657 41,132 51,749 60,214

Base Cover + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C3_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 8,364 9,565 11,412 13,27436 to 40 Years 8,793 10,007 11,925 13,86641 to 45 Years 9,249 10,490 12,490 14,52846 to 50 Years 11,496 12,907 15,247 17,70751 to 55 Years 14,014 15,030 17,214 19,70856 to 60 Years 16,687 17,947 20,634 23,69661 to 65 Years 18,808 19,763 22,750 26,15666 to 70 Years 23,196 24,498 28,520 32,98871 to 75 Years 27,377 29,214 34,173 39,63076 to 80 Years 30,969 31,850 36,729 42,350Above 80 Years 33,930 35,664 41,508 48,064

Base Cover + No Sub Limit + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C3_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 10,591 12,293 14,976 17,17236 to 40 Years 11,127 12,865 15,658 17,95041 to 45 Years 11,706 13,499 16,419 18,82646 to 50 Years 14,526 16,618 20,096 23,00951 to 55 Years 17,237 18,979 22,371 25,34856 to 60 Years 20,645 22,796 26,966 30,62361 to 65 Years 23,215 25,162 29,801 33,86966 to 70 Years 28,893 31,478 37,637 42,95971 to 75 Years 34,306 37,701 45,260 51,75676 to 80 Years 38,287 40,814 48,438 55,155Above 80 Years 42,350 45,978 54,979 62,798

Individual Two Year Premium Rates

Base CoverPremium Exclusive of Service TaxA1C0_1 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 3,789 4,780 5,930 7,277 8,514 36 to 40 Years 4,165 5,269 6,557 8,062 9,451 41 to 45 Years 4,571 5,805 7,254 8,941 10,50546 to 50 Years 6,473 8,314 10,515 13,051 15,44151 to 55 Years 7,950 9,996 12,451 15,272 17,94056 to 60 Years 10,433 13,254 16,673 20,581 24,30561 to 65 Years 11,968 15,265 19,270 23,845 28,21366 to 70 Years 16,446 21,107 26,803 33,288 39,51271 to 75 Years 20,796 26,758 34,069 42,374 50,36776 to 80 Years 22,205 28,576 36,398 45,277 53,831Above 80 Years 26,049 33,584 42,849 53,358 63,494

Base Cover + No Sub LimitPremium Exclusive of Service TaxA1C0_2 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 4,640 6,143 7,600 9,456 10,89836 to 40 Years 5,128 6,812 8,446 10,528 12,14941 to 45 Years 5,664 7,554 9,397 11,740 13,56646 to 50 Years 8,174 11,035 13,847 17,402 20,20151 to 55 Years 9,853 13,044 16,184 20,148 23,27356 to 60 Years 13,114 17,545 21,928 27,444 31,81261 to 65 Years 15,124 20,313 25,454 31,924 37,04866 to 70 Years 20,967 28,339 35,661 44,859 52,16871 to 75 Years 26,617 36,072 45,478 57,276 66,66576 to 80 Years 28,437 38,547 48,612 61,229 71,280Above 80 Years 33,446 45,418 57,344 72,291 84,202

Base Cover + Critical IllnessPremium Exclusive of Service TaxA1C0_3 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,489 6,285 7,513 8,704 36 to 40 Years 6,215 7,030 8,377 9,703 41 to 45 Years 6,986 7,845 9,335 10,82146 to 50 Years 10,784 11,934 13,997 16,19851 to 55 Years 15,042 15,525 17,322 19,58056 to 60 Years 19,562 20,457 23,104 26,32361 to 65 Years 23,150 23,528 26,684 30,48466 to 70 Years 30,569 31,534 36,442 42,03671 to 75 Years 37,639 39,509 46,001 53,26876 to 80 Years 43,715 43,968 50,323 57,868Above 80 Years 48,724 50,418 58,404 67,532

Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA1C0_4 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 6,851 7,955 9,692 11,08836 to 40 Years 7,758 8,919 10,843 12,40141 to 45 Years 8,736 9,988 12,133 13,88146 to 50 Years 13,505 15,267 18,348 20,95751 to 55 Years 18,090 19,258 22,198 24,91356 to 60 Years 23,853 25,713 29,967 33,83061 to 65 Years 28,198 29,712 34,762 39,31966 to 70 Years 37,801 40,392 48,013 54,69271 to 75 Years 46,953 50,918 60,903 69,56776 to 80 Years 53,686 56,181 66,276 75,318Above 80 Years 60,557 64,914 77,338 88,240

Floater 2 Adults Two Year Premium Rates

Base CoverPremium Exclusive of Service TaxA2C0_1 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 7,617 9,502 11,679 13,720 36 to 40 Years 8,438 10,562 13,006 15,306 41 to 45 Years 9,344 11,740 14,491 17,091 46 to 50 Years 13,277 16,859 20,948 24,844 51 to 55 Years 16,388 20,389 24,951 29,308 56 to 60 Years 21,635 27,250 33,621 39,735 61 to 65 Years 24,930 31,523 38,994 46,176 66 to 70 Years 34,534 43,936 54,568 64,824 71 to 75 Years 43,778 55,862 69,512 82,698 76 to 80 Years 46,755 59,687 74,288 88,399 Above 80 Years 54,948 70,277 87,579 104,310

Base Cover + No Sub LimitPremium Exclusive of Service TaxA2C0_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 9,924 12,327 15,371 17,759 36 to 40 Years 11,045 13,758 17,182 19,876 41 to 45 Years 12,301 15,367 19,230 22,274 46 to 50 Years 17,757 22,352 28,126 32,697 51 to 55 Years 21,405 26,543 32,994 38,106 56 to 60 Years 28,654 35,878 44,908 52,094 61 to 65 Years 33,189 41,677 52,279 60,724 66 to 70 Years 46,366 58,480 73,597 85,660 71 to 75 Years 59,014 74,592 94,018 109,53176 to 80 Years 63,069 79,739 100,525 117,127Above 80 Years 74,307 94,077 118,718 138,406

Base Cover + Critical IllnessPremium Exclusive of Service TaxA2C0_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 8,818 10,102 12,080 14,041 36 to 40 Years 10,038 11,362 13,539 15,734 41 to 45 Years 11,343 12,741 15,158 17,624 46 to 50 Years 17,345 19,198 22,507 26,093 51 to 55 Years 24,698 25,458 28,333 32,013 56 to 60 Years 31,954 33,463 37,770 43,058 61 to 65 Years 37,829 38,513 43,662 49,915 66 to 70 Years 50,014 51,703 59,755 68,978 71 to 75 Years 61,579 64,794 75,476 87,474 76 to 80 Years 71,522 72,113 82,587 95,046 Above 80 Years 79,715 82,703 95,878 110,956

Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA2C0_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 11,125 12,928 15,772 18,080 36 to 40 Years 12,645 14,558 17,716 20,303 41 to 45 Years 14,299 16,369 19,897 22,808 46 to 50 Years 21,825 24,691 29,686 33,945 51 to 55 Years 29,716 31,612 36,376 40,812 56 to 60 Years 38,973 42,091 49,058 55,417 61 to 65 Years 46,088 48,667 56,947 64,463 66 to 70 Years 61,845 66,247 78,784 89,813 71 to 75 Years 76,815 83,524 99,982 114,30876 to 80 Years 87,835 92,165 108,824 123,774Above 80 Years 99,074 106,503 127,017 145,052

Floater 2 Adults and 1 Child Two Year Premium Rates




Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA2C1_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 14,845 17,246 21,033 24,121 36 to 40 Years 16,365 18,877 22,977 26,342 41 to 45 Years 18,020 20,685 25,158 28,850 46 to 50 Years 25,546 29,009 34,947 39,987 51 to 55 Years 33,436 35,931 41,635 46,852 56 to 60 Years 42,691 46,408 54,317 61,459 61 to 65 Years 49,809 52,985 62,206 70,503 66 to 70 Years 65,565 70,564 84,045 95,857 71 to 75 Years 80,535 87,843 105,243 120,35076 to 80 Years 91,555 96,484 114,086 129,816Above 80 Years 102,794 110,819 132,276 151,094

Floater 2 Adults and 2 Children Two Year Premium Rates



Base Cover + Critical IllnessPremium Exclusive of Service TaxA2C2_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 14,586 16,697 19,937 23,205 36 to 40 Years 15,808 17,957 21,396 24,896 41 to 45 Years 17,111 19,334 23,017 26,788 46 to 50 Years 23,115 25,793 30,366 35,256 51 to 55 Years 30,468 32,053 36,189 41,177 56 to 60 Years 37,725 40,058 45,627 52,222 61 to 65 Years 43,597 45,108 51,519 59,079 66 to 70 Years 55,782 58,296 67,612 78,143 71 to 75 Years 67,349 71,389 83,334 96,636 76 to 80 Years 77,294 78,708 90,444 104,209Above 80 Years 85,485 89,298 103,734 120,120

Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA2C2_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 18,495 21,487 26,193 30,049 36 to 40 Years 20,017 23,115 28,137 32,270 41 to 45 Years 21,671 24,924 30,318 34,776 46 to 50 Years 29,197 33,248 40,107 45,914 51 to 55 Years 37,090 40,170 46,795 52,778 56 to 60 Years 46,345 50,648 59,478 67,385 61 to 65 Years 53,460 57,224 67,368 76,431 66 to 70 Years 69,215 74,803 89,205 101,78371 to 75 Years 84,189 92,082 110,405 126,27476 to 80 Years 95,209 100,723 119,244 135,742Above 80 Years 106,448 115,060 137,437 157,020

Floater 1 Adult and 1 Child Two Year Premium Rates





Floater 1 Adult and 2 Children Two Year Premium Rates


Base Cover + No Sub LimitPremium Exclusive of Service TaxA1C2_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 12,681 15,740 19,600 22,642 36 to 40 Years 13,349 16,585 20,672 23,894 41 to 45 Years 14,092 17,537 21,884 25,312 46 to 50 Years 17,571 21,987 27,546 31,945 51 to 55 Years 19,580 24,324 30,290 35,017 56 to 60 Years 24,081 30,068 37,588 43,558 61 to 65 Years 26,851 33,594 42,066 48,794 66 to 70 Years 34,875 43,803 55,001 63,914 71 to 75 Years 42,608 53,618 67,418 78,411 76 to 80 Years 45,085 56,753 71,374 83,024 Above 80 Years 51,954 65,485 82,433 95,948


Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA1C2_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 14,225 16,511 20,115 23,055 36 to 40 Years 15,130 17,476 21,265 24,369 41 to 45 Years 16,110 18,546 22,557 25,850 46 to 50 Years 20,875 23,824 28,770 32,925 51 to 55 Years 25,460 27,816 32,617 36,879 56 to 60 Years 31,223 34,270 40,388 45,798 61 to 65 Years 35,570 38,268 45,182 51,287 66 to 70 Years 45,171 48,950 58,433 66,660 71 to 75 Years 54,323 59,476 71,322 81,535 76 to 80 Years 61,058 64,739 76,697 87,284 Above 80 Years 67,927 73,471 87,757 100,208



Base Cover + No Sub LimitPremium Exclusive of Service TaxA1C3_2 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 15,949 19,808 24,672 28,51536 to 40 Years 16,617 20,657 25,745 29,76741 to 45 Years 17,360 21,609 26,953 31,18546 to 50 Years 20,841 26,057 32,617 37,81851 to 55 Years 22,849 28,392 35,361 40,89056 to 60 Years 27,351 34,137 42,659 49,43061 to 65 Years 30,119 37,666 47,137 54,66766 to 70 Years 38,144 47,872 60,072 69,78571 to 75 Years 45,877 57,686 72,489 84,28476 to 80 Years 48,353 60,821 76,447 88,897Above 80 Years 55,224 69,553 87,506 ######


Base Cover + No Sub Limit + Critical IllnessPremium Exclusive of Service TaxA1C3_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 17,909 20,788 25,325 29,03836 to 40 Years 18,816 21,755 26,478 30,35341 to 45 Years 19,794 22,827 27,765 31,83546 to 50 Years 24,563 28,101 33,982 38,90851 to 55 Years 29,148 32,093 37,829 42,86456 to 60 Years 34,911 38,547 45,600 51,78361 to 65 Years 39,256 42,549 50,394 57,27266 to 70 Years 48,859 53,229 63,644 72,64371 to 75 Years 58,011 63,753 76,534 87,52076 to 80 Years 64,743 69,016 81,909 93,267Above 80 Years 71,613 77,748 92,969 ######

Individual Two Year Premium Rates

Base CoverPremium Inclusive of Service Tax of 12.36%A1C0_1 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 4,257 5,371 6,663 8,176 9,566 36 to 40 Years 4,680 5,920 7,367 9,058 10,619 41 to 45 Years 5,136 6,522 8,151 10,047 11,804 46 to 50 Years 7,273 9,342 11,814 14,664 17,350 51 to 55 Years 8,932 11,231 13,990 17,160 20,157 56 to 60 Years 11,722 14,893 18,733 23,125 27,309 61 to 65 Years 13,447 17,151 21,652 26,792 31,700 66 to 70 Years 18,479 23,716 30,116 37,402 44,396 71 to 75 Years 23,366 30,065 38,280 47,611 56,592 76 to 80 Years 24,950 32,108 40,897 50,873 60,484 Above 80 Years 29,269 37,735 48,145 59,953 71,342

Base Cover + No Sub LimitPremium Inclusive of Service Tax of 12.36%A1C0_2 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 5,213 6,902 8,539 10,625 12,245 36 to 40 Years 5,762 7,653 9,489 11,829 13,650 41 to 45 Years 6,364 8,488 10,559 13,191 15,243 46 to 50 Years 9,184 12,399 15,559 19,553 22,698 51 to 55 Years 11,071 14,656 18,185 22,638 26,150 56 to 60 Years 14,735 19,713 24,638 30,836 35,744 61 to 65 Years 16,993 22,824 28,600 35,870 41,627 66 to 70 Years 23,558 31,841 40,069 50,404 58,616 71 to 75 Years 29,907 40,530 51,100 64,355 74,905 76 to 80 Years 31,952 43,312 54,620 68,797 80,091 Above 80 Years 37,580 51,031 64,432 81,226 94,610

Base Cover + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C0_3 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years - 6,168 7,062 8,441 9,780 36 to 40 Years - 6,983 7,899 9,413 10,903 41 to 45 Years - 7,850 8,815 10,488 12,158 46 to 50 Years - 12,117 13,409 15,727 18,200 51 to 55 Years - 16,902 17,444 19,463 22,000 56 to 60 Years - 21,980 22,986 25,960 29,576 61 to 65 Years - 26,011 26,436 29,982 34,251 66 to 70 Years - 34,347 35,432 40,946 47,231

71 to 75 Years - 42,291 44,392 51,687 59,852 76 to 80 Years - 49,118 49,402 56,543 65,021 Above 80 Years - 54,746 56,650 65,623 75,879

Base Cover + No Sub Limit + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C0_4 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years - 7,698 8,939 10,890 12,459 36 to 40 Years - 8,717 10,021 12,184 13,934 41 to 45 Years - 9,816 11,223 13,633 15,597 46 to 50 Years - 15,174 17,153 20,616 23,547 51 to 55 Years - 20,326 21,639 24,941 27,992 56 to 60 Years - 26,801 28,891 33,671 38,011 61 to 65 Years - 31,683 33,385 39,059 44,178 66 to 70 Years - 42,473 45,385 53,947 61,451 71 to 75 Years - 52,756 57,212 68,430 78,165 76 to 80 Years - 60,322 63,125 74,467 84,627 Above 80 Years - 68,042 72,937 86,897 99,146

Floater 2 Adults Two Year Premium Rates



Base Cover + Critical IllnessPremium Inclusive of Service Tax of 12.36%A2C0_3 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 9,908 11,351 13,573 15,776 36 to 40 Years 11,278 12,766 15,213 17,679 41 to 45 Years 12,745 14,316 17,032 19,803 46 to 50 Years 19,489 21,570 25,289 29,318 51 to 55 Years 27,751 28,605 31,835 35,970 56 to 60 Years 35,904 37,599 42,438 48,380 61 to 65 Years 42,505 43,273 49,059 56,084 66 to 70 Years 56,195 58,093 67,141 77,503

71 to 75 Years 69,190 72,802 84,804 98,286 76 to 80 Years 80,362 81,026 92,795 106,793 Above 80 Years 89,567 92,925 107,728 124,670


Floater 2 Adults and 1 Child Two Year Premium Rates




Floater 2 Adults and 2 Children Two Year Premium Rates




Floater 1 Adult and 1 Child Two Year Premium Rates





Base Cover + No Sub Limit + Critical IllnessPremium Inclusive of Service Tax of 12.36%A1C3_4 2 Lacs 3 Lacs 4 Lacs 5 LacsUpto 35 Years 20,123 23,357 28,455 32,627 36 to 40 Years 21,141 24,444 29,751 34,104 41 to 45 Years 22,241 25,648 31,196 35,769 46 to 50 Years 27,599 31,574 38,182 43,717 51 to 55 Years 32,751 36,060 42,505 48,162 56 to 60 Years 39,226 43,312 51,236 58,183 61 to 65 Years 44,108 47,808 56,622 64,350 66 to 70 Years 54,897 59,808 71,511 81,621 71 to 75 Years 65,181 71,632 85,993 98,337 76 to 80 Years 72,745 77,546 92,033 104,795Above 80 Years 80,464 87,358 104,460 119,316

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