| 6- Specimen Premium Rates of Insurance Company's |
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| Premium Comparison for Individuals of Insurance Companies for Health Insurance in India |
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| Premium Comparison of Insurance Companies for Health Insurance |
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| Apollo Munich Health Insurance (Standard) |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
1208 |
1208 |
1208 |
1208 |
1985 |
2868 |
2868 |
3419 |
4002 |
6672 |
| 2 Lakh |
2206 |
2537 |
2537 |
2537 |
2647 |
4633 |
4633 |
5625 |
7262 |
12272 |
| 3 Lakh |
3309 |
3626 |
3626 |
3626 |
3861 |
6618 |
6618 |
7831 |
10479 |
17645 |
| 4 Lakh |
4412 |
4633 |
4633 |
4633 |
5405 |
8052 |
8052 |
10479 |
12685 |
23186 |
| 5 Lakh |
4743 |
5625 |
5625 |
5625 |
6397 |
9817 |
9817 |
12685 |
14891 |
27544 |
|
|
| Bajaj Allianz (Health Guard) |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
1544 |
1544 |
1924 |
1924 |
1924 |
2464 |
3697 |
3697 |
5658 |
6508 |
| 2 Lakh |
2579 |
2579 |
3621 |
3621 |
3621 |
4753 |
7393 |
7393 |
11317 |
13015 |
| 3 Lakh |
3647 |
3647 |
4886 |
4886 |
4886 |
6690 |
9243 |
9243 |
14147 |
16268 |
| 4 Lakh |
4778 |
4778 |
5658 |
5658 |
5658 |
8625 |
13786 |
13786 |
16544 |
19026 |
| 5 Lakh |
5784 |
5784 |
6790 |
6790 |
6790 |
10562 |
16805 |
16805 |
19721 |
22679 |
|
|
| Bharti AXA (Smart Health Optimum) |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
1954 |
1954 |
1954 |
1954 |
3495 |
3495 |
6777 |
6777 |
9650 |
9650 |
| 2 Lakh |
2739 |
2739 |
2739 |
2739 |
5183 |
5183 |
9895 |
9895 |
13743 |
13743 |
| 3 Lakh |
3721 |
3721 |
3721 |
3721 |
6273 |
6273 |
12546 |
12546 |
17660 |
17660 |
| 4 Lakh |
4614 |
4614 |
4614 |
4614 |
7844 |
7844 |
16679 |
16679 |
25514 |
25514 |
| 5 Lakh |
4908 |
4908 |
4908 |
4908 |
8727 |
8727 |
18642 |
18642 |
28458 |
28458 |
|
|
| Cholamandalam MS. (Basic Health cover plans) |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
1335 |
1550 |
1550 |
1550 |
1721 |
1721 |
2487 |
2487 |
3226 |
3226 |
| 2 Lakh |
2338 |
2719 |
2719 |
2719 |
3028 |
3028 |
4412 |
4412 |
5791 |
5791 |
| 3 Lakh |
3530 |
3805 |
3805 |
3805 |
4247 |
4247 |
6546 |
6546 |
8874 |
8874 |
| 4 Lakh |
4412 |
4743 |
4743 |
4743 |
5294 |
5294 |
8488 |
8488 |
11620 |
11620 |
| 5 Lakh |
5300 |
5736 |
5736 |
5736 |
6287 |
6287 |
10081 |
10081 |
13997 |
13997 |
|
|
| * Cholamandalam 18 yrs not as per premium Table. |
|
| Future Generali (Health Suraksha-Basic Plan) |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
1239 |
1239 |
1468 |
1468 |
1542 |
1542 |
2508 |
2508 |
4154 |
4154 |
| 2 Lakh |
2035 |
2035 |
2161 |
2161 |
2759 |
2759 |
4058 |
4058 |
6966 |
6966 |
| 3 Lakh |
2804 |
2804 |
3146 |
3146 |
3640 |
3640 |
5507 |
5507 |
9419 |
9419 |
| 4 Lakh |
3407 |
3407 |
3658 |
3658 |
4411 |
4411 |
7054 |
7054 |
10967 |
10967 |
| 5 Lakh |
4686 |
4686 |
5107 |
5107 |
5672 |
5672 |
9060 |
9060 |
12210 |
12210 |
|
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| Note: |
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| 1. Premium is inclusive of Service Tax@ 10.30% |
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| 2. Actual Premium also depends on health profile. |
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| 3. Rates are given for various age groups. The underwriting department of the Insurance Companies has the final say whether insurance policy is to be issued or not to the proposer. |
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| 4. Family discount of 10% is given when the size is 3 or more (except United India offering on 5% family discount).Recently New India / Oriental have started offering this discount for 2 members also. |
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| 5. All companies not considered but rates will be more or less same except ICICI Lombard, which offers different terms/rates. |
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| 6. For those who are having pre existing disease or those who are above 45 years and the test reports indicate variations, Insurance company has the right to charge extra (loading charge) |
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