6- Specimen Premium Rates of Insurance Company's |
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d) Premium Chart for Individuals Policy |
National Insurance (Mediclaim Policy) |
Sum Insured |
Age Cover |
17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
1 Lakh |
1179 |
1179 |
1547 |
1547 |
2081 |
2081 |
3552 |
3552 |
4697 |
4697 |
2 Lakh |
2219 |
2219 |
2912 |
2912 |
3919 |
3919 |
6793 |
6793 |
9017 |
9017 |
3 Lakh |
3096 |
3096 |
4062 |
4062 |
5467 |
5467 |
9672 |
9672 |
12919 |
12919 |
4 Lakh |
9863 |
9863 |
5070 |
5070 |
6821 |
6821 |
12312 |
12312 |
16541 |
16541 |
5 Lakh |
4629 |
4629 |
6067 |
6067 |
8177 |
8177 |
14952 |
14952 |
20166 |
20166 |
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New India Assurance (Mediclaim) |
Sum Insured |
Age Cover |
17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
1 Lakh |
1427 |
1427 |
1427 |
1427 |
1702 |
2129 |
3034 |
3505 |
4068 |
4550 |
2 Lakh |
2843 |
2843 |
2843 |
2843 |
3275 |
4017 |
6123 |
7056 |
8011 |
9112 |
3 Lakh |
3967 |
3967 |
3967 |
3967 |
4573 |
5601 |
8719 |
10090 |
11472 |
13112 |
4 Lakh |
4944 |
4944 |
4944 |
4944 |
5703 |
6989 |
11113 |
12898 |
14696 |
16876 |
5 Lakh |
5933 |
5933 |
5933 |
5933 |
6877 |
8377 |
13494 |
15686 |
17899 |
20607 |
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*New India Premium Rates-Region Delhi & Bangalore
*New India, 3 Months to 5 Yrs not as per premium Table. |
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Oriental Insurance (Mediclaim policy) |
Sum Insured |
Age Cover |
17 |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
65 |
1 Lakh |
1324 |
1472 |
1472 |
1472 |
1759 |
1759 |
2749 |
2749 |
3914 |
5838 |
2 Lakh |
2496 |
2773 |
2773 |
2773 |
3316 |
3316 |
5258 |
5258 |
7514 |
11256 |
3 Lakh |
3483 |
3870 |
3870 |
3870 |
4626 |
4626 |
7487 |
7487 |
10765 |
16211 |
4 Lakh |
4345 |
4829 |
4829 |
4829 |
5773 |
5773 |
9532 |
9532 |
13784 |
20856 |
5 Lakh |
5207 |
5786 |
5786 |
5786 |
6918 |
6918 |
11575 |
11575 |
16803 |
25502 |
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*Oriental Insurance, 18, 19, 20 Yrs not as per premiumTable. |
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Reliance General Insurance (Healthwise- Standard) |
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 |
2893 |
2893 |
3455 |
3455 |
4017 |
4803 |
7443 |
8174 |
10196 |
11375 |
3 Lakh |
4073 |
4073 |
4803 |
4803 |
5365 |
6422 |
8980 |
9864 |
11848 |
14888 |
4 Lakh |
5309 |
5309 |
6601 |
6601 |
7387 |
8624 |
12724 |
14298 |
18455 |
20628 |
5 Lakh |
6770 |
6770 |
7837 |
7837 |
8624 |
10421 |
15309 |
17584 |
21058 |
23790 |
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Note: |
1. Premium is inclusive of Service Tax@ 12.36% |
2. Actual Premium also depends on health profile. |
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. |
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. |
5. All companies not considered but rates will be more or less same except ICICI Lombard, which offers different terms/rates. |
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) |
Last Updated on Aug,2012 |
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