Health Insurance Plan
Family Health Plan Insurance Online
Plan and Premium
Premium is based on age of Eldest member of the family and family size.
Premium for One Year with 10.3% Service Tax
Sum Insured Option 1 Option 2 Option 3 Option 4 Rs.100000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 2,255 3,070 3,886 4,702 Age upto 45 Yrs 3,127 3,942 4,758 5,573 Age upto 50 Yrs 4,012 4,827 5,642 7,081 Rs.200000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 3,592 4,904 6,217 7,527 Age upto 45 Yrs 5,177 6,490 7,803 10,083 Age upto 50 Yrs 7,115 8,428 9,741 12,020 Rs.300000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 5,387 7,356 9,325 11,293 Age upto 45 Yrs 7,764 9,733 11,701 15,120 Age upto 50 Yrs 10,908 12,875 14,844 18,262 Rs.400000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 6,875 9,420 11,966 14,511 Age upto 45 Yrs 9,837 12,381 14,926 19,256 Age upto 50 Yrs 13,817 16,362 18,908 23,237 Rs.500000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 7,735 10,598 13,462 16,327 Age upto 45 Yrs 11,064 13,928 16,791 21,663 Age upto 50 Yrs 15,545 18,407 21,270 26,142
Premium for Two Years with 10.3% Service TaxSum Insured Option 1 Option 2 Option 3 Option 4 Rs.100000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 4,059 5,527 6,995 8,464 Age upto 45 Yrs 5,628 7,096 8,565 10,033 Age upto 50 Yrs 7,220 8,688 10,156 12,745 Rs.200000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 6,467 8,827 11,189 13,549 Age upto 45 Yrs 9,318 11,681 14,044 18,149 Age upto 50 Yrs 12,808 15,171 17,534 21,639 Rs.300000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 9,696 13,242 16,783 20,326 Age upto 45 Yrs 13,976 17,519 21,063 27,215 Age upto 50 Yrs 19,632 23,175 26,719 32,874 Rs.400000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 12,376 16,956 21,539 26,120 Age upto 45 Yrs 17,703 22,285 26,867 34,661 Age upto 50 Yrs 24,869 29,452 34,033 41,827 Rs.500000 2 Adult 2 Adult + 1 Child 2 Adult + 2 Children 2 Adult + 3 Children Age upto 35 yrs 13,923 19,077 24,232 29,385 Age upto 45 Yrs 19,916 25,070 30,224 38,993 Age upto 50 Yrs 27,978 33,132 38,286 47,056 Family Discount: No family discount is applicable for this plan.
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Renewal Disclosures:
1. Premium will be charged based on the age band in the premium table and is subject to a maximum increase of 25%. Any further increase is subject to IRDA's approval.
2. In case of a claim during the expiring policy then the renewal premium will be loaded as per the following grid Ratio of
Claims to Premium Loading %
Upto 400% Nil
400% to 800% 25%
800% to 1200% 50%
1200% to 1600% 75%
Above 1600% 100%3. Any change in the terms of cover during renewal shall be subject to IRDA's approval & a notice of 90 days before expiry of the policy shall be given.
4. The sum insured can be enhanced at the time of renewal upto a maximum of 100% of the expiring sum insured if there are no claims lodged / paid during all years of insurance and the age of the insured person is under 45 years. Such increased sum insured shall however not be applicable for treatment of diseases contracted prior to such increase and also in respect of any pre-existing diseases at the time of enrolment under this policy. However the quantum of increase shall be at the discretion of the company.
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