| 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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| HDFC ERGO General (Health Suraksha) |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
| 2 Lakh |
2341 |
3158 |
3158 |
3158 |
3963 |
3963 |
7039 |
7391 |
8610 |
12082 |
| 3 Lakh |
2663 |
3653 |
3653 |
3653 |
4397 |
4397 |
7890 |
8285 |
9585 |
13844 |
| 4 Lakh |
4277 |
5484 |
5484 |
5484 |
6118 |
6118 |
10856 |
11398 |
13669 |
21681 |
| 5 Lakh |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
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| ICICI Lombard General (Family Floater) |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
| 2 Lakh |
1956 |
2644 |
2644 |
2644 |
3312 |
3312 |
5896 |
5896 |
NA |
NA |
| 3 Lakh |
2250 |
3046 |
3046 |
3046 |
3679 |
3649 |
6552 |
6552 |
8026 |
NA |
| 4 Lakh |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
| 5 Lakh |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
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| * ICICI Lombard 18 Years- Not as Per premium Table. |
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| IFFCO TOKIO General (Individual Medishield) |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
1211 |
1211 |
1384 |
1384 |
1669 |
1669 |
2509 |
2509 |
3530 |
NA |
| 2 Lakh |
2282 |
2282 |
2607 |
2607 |
3145 |
3145 |
4798 |
4798 |
6778 |
NA |
| 3 Lakh |
3183 |
3183 |
3637 |
3637 |
4387 |
4387 |
6833 |
6833 |
9711 |
NA |
| 4 Lakh |
3972 |
3972 |
4538 |
4538 |
5473 |
5473 |
8698 |
8698 |
12434 |
NA |
| 5 Lakh |
4761 |
4761 |
5439 |
5439 |
6560 |
6560 |
10563 |
10563 |
15157 |
NA |
|
|
| Max Bupa Health Insurance |
| Sum Insured |
Age Cover |
| 17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
| 1 Lakh |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
| 2 Lakh |
3218 |
3373 |
3544 |
3892 |
4459 |
5250 |
7728 |
10264 |
13947 |
18723 |
| 3 Lakh |
4073 |
4190 |
4407 |
4974 |
5833 |
6948 |
9713 |
12978 |
17985 |
24636 |
| 4 Lakh |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
| 5 Lakh |
7057 |
7154 |
7465 |
8335 |
9658 |
11863 |
16711 |
20883 |
27334 |
36449 |
|
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| * Max Bupa - After 18 Years All Ages Premium is Different/ Region, National Capital & Bengaluru |
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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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