120.00 mm 120.00 mm 120.00 mm 120.00 mm 127.50 mm 127.

50 mm

Cancellation table applicable for Policy Term 1 Year with instalment option of Half-yearly premium payment frequency Cancellation table applicable for Policy Term 3 Years without instalment option SCHEDULE OF BENEFTIS
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained S.No. Sum Insured (INR) 5 lacs 7.5 lacs 10 lacs 15 lacs 20 lacs 25 lacs 50 lacs 75 lacs 100 lacs
Up to one month 17.5% of the policy premium 1 Room, Boarding and Nursing charges Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C
Up to one month 45% of the total premium received
Exceeding one month up to 3 months 22.5% of the policy premium 2 ICU/Operation Theatre Charges Actual Actual Actual Actual Actual Actual Actual Actual Actual
Exceeding one month up to 4 months 87.5% of the total premium received
3 Road Ambulance Charges (per policy period) Actual Actual Actual Actual Actual Actual Actual Actual Actual
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 3 months up to 6 months 30% of the policy premium
Exceeding 6 months up to 9 months 37.5% of the policy premium Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per
Exceeding 6 months up to 7 months 65% of the total premium received 4 Air Ambulance (per policy period) hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding
Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 9 months up to 12 months 42.5% of the policy premium Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period
Exceeding 12 months up to 15 months 50% of the policy premium 5 Pre Hospitalisation Expenses incurred Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days
Exceeding 10 months 100% of the total premium received
Exceeding 15 months up to 18 months 57.5% of the policy premium 6 Post Hospitalisation Expenses incurred Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days
Cancellation table applicable for Policy Term 1 Year with instalment option of Quarterly premium payment frequency
Exceeding 18 months up to 21 months 65% of the policy premium 7a. Delivery Charges – Normal Delivery 15,000/- 25,000/- 30,000/- 30,000/- 30,000/- 30,000/- 50,000/- 50,000/- 50,000/-
Period on risk Rate of premium to be retained
Exceeding 21 months up to 24 months 72.5% of the policy premium 7b. Delivery Charges – Caesarean Section 20,000/- 40,000/- 50,000/- 50,000/- 50,000/- 50,000/- 1,00,000/- 1,00,000/- 1,00,000/-
Up to one month 87.5% of the total premium received Exceeding 24 months up to 27 months 80% of the policy premium 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from first 24 months for first delivery from 24 months for first delivery from
Exceeding one month up to 3 months 100% of the total premium received Exceeding 27 months up to 30 months 85% of the policy premium first inception of the policy first inception of the policy first inception of the policy first inception of the policy first inception of the policy first inception of the policy inception of the policy first inception of the policy first inception of the policy
Exceeding 3 months up to 4 months 87.5% of the total premium received 8 Waiting Period for Delivery
Exceeding 30 months up to 33 months 92.5% of the policy premium 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 33 months Full of the policy premium 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery
Exceeding 6 months up to 7 months 85% of the total premium received Cancellation table applicable for Policy Term 3 Years with instalment option of Half-yearly premium payment frequency Coverage for New Born Child (Subject to
9 Up to 1,00,000/- Up to 1,00,000/- Up to 1,00,000/- Up to 1,00,000/- Up to 1,00,000/- Up to 1,00,000/- Up to 2,00,000/- Up to 2,00,000/- Up to 2,00,000/-
Exceeding 7 months up to 9 months 100% of the total premium received a valid claim under 7a or 7b above)
Period on risk Rate of premium to be retained
Vaccination Expenses for New Born (Subject
Exceeding 9 months up to 10 months 85% of the total premium received Up to one month 45% of the total premium received 10 5,000/- 5,000/- 5,000/- 5,000/- 5,000/- 5,000/- 10,000/- 10,000/- 10,000/-
to a valid claim under 7a or 7b above)
Exceeding 10 months 100% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Out Patient Dental/Ophthal Coverage- Once in a
Cancellation table applicable for Policy Term 2 Years without instalment option Exceeding 4 months up to 6 months 100% of the total premium received 11 Up to 5,000/- Up to 5,000/- Up to 10,000/- Up to 10,000/- Up to 10,000/- Up to 10,000/- Up to 15,000/- Up to 15,000/- Up to 15,000/-
block of every 3 years of continuous renewal
Period on risk Rate of premium to be retained Exceeding 6 months up to 7 months 65% of the total premium received Out Patient Medical Consultation Coverage Up to 1,200/- Up to 1,500/- Up to 2,100/- Up to 2,400/- Up to 3,000/- Up to 3,3 00/- Up to 5,000/- Up to 5,000/- Up to 5,000/-
12
Up to one month 17.5% of the policy premium Exceeding 7 months up to 10 months 85% of the total premium received other than Out Patient Dental/ Ophthal (per Consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-)
Exceeding one month up to 3 months 25% of the policy premium Exceeding 10 months up to 12 months 100% of the total premium received Hospital Cash upto 7 days per occurrence & upto
13 500/- per day 750/- per day 750/- per day 1000/- per day 1000/- per day 1500/- per day 2500/- per day 2500/- per day 2500/- per day
Exceeding 12 months up to 15 months 90% of the total premium received 120 days per policy period. (1 day time excess)
Exceeding 3 months up to 6 months 37.5% of the policy premium Health Check Up once in a block of every
Exceeding 15 months up to 18 months 100% of the total premium received 14 Up to 2,000/- Up to 2,500/- Up to 3,000/- Up to 4,000/- Up to 4,500/- Up to 4,500/- Up to 5,000/- Up to 5,000/- Up to 5,000/-
Exceeding 6 months up to 9 months 47.5% of the policy premium claim free years of continuous renewal
Exceeding 18 months up to 21 months 90% of the total premium received
Exceeding 9 months up to 12 months 57.5% of the policy premium Restoration benefit after exhaustion of sum
Exceeding 21 months up to 24 months 100% of the total premium received 15 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period)
Exceeding 12 months up to 15 months 67.5% of the policy premium insured(Applicable for Section 1 only)
Exceeding 24 months up to 27 months 95% of the total premium received 16 Bariatric Surgery (per policy period) 2,50,000/- 2,50,000/- 2,50,000/- 2,50,000/- 5,00,000/- 5,00,000/- 5,00,000/- 5,00,000/- 5,00,000/-
Exceeding 15 months up to 18 months 80% of the policy premium Exceeding 27 months up to 30 months 100% of the total premium received Cover for Accidental Death and
210.00 mm

Exceeding 18 months up to 21 months 90% of the policy premium Exceeding 30 months up to 33 months 92.5% of the total premium received 17 5,00,000/- 7,50,000/- 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- 50,00,000/- 75,00,000/- 1,00,00,000/-
Permanent Total Disablement
Exceeding 21 months Full of the policy premium Exceeding 33 months 100% of the total premium received 18 AYUSH Treatment Up to 15,000/- Up to 15,000/- Up to 15,000/- Up to 15,000/- Up to 20,000/- Up to 20,000/- Up to 30,000/- Up to 30,000/- Up to 30,000/-
Cancellation table applicable for Policy Term 2 Years with instalment option of Half-yearly premium payment frequency Cancellation table applicable for Policy Term 3 Years with instalment option of Quarterly premium payment frequency 19 Wellness Program Available Available Available Available Available Available Available Available Available
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained Available Available Available Available Available Available Available Available Available
20 Buy Back Pre-Existing Diseases
Up to one month 45% of the total premium received Up to one month 87.5% of the total premium received (Optional Cover) Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces
Exceeding one month up to 4 months 87.5% of the total premium received from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months
Exceeding one month up to 3 months 100% of the total premium received
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received
Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received µ Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis µ Withdrawal of the policy µ TAXES ARE SUBJECT TO CHANGES IN TAX LAWS
Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received i.e. Half Yearly or Quarterly as mentioned in the policy Schedule/Certificate of Insurance, the following Conditions shall i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the
µ Star Advantages
Exceeding 7 months up to 9 months 100% of the total premium received apply (notwithstanding any terms contrary elsewhere in the policy); same 90 days prior to expiry of the policy
Exceeding 10 months up to 12 months 100% of the total premium received · No Third Party Administrator, direct in-house claims settlement
i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the
Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received · Faster and hassle – free claim settlement
ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per
Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received · Cashless hospitalization
receipt of premium by Company IRDAI guidelines, provided the policy has been maintained without a break
Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received
iii. The insured person will get the accrued continuity benefit in respect of the "Waiting Periods", "Specific Waiting µ Automatic Expiry: The insurance under this policy with respect to each relevant Insured Person shall expire µ Prohibition of rebates: (Section 41 of Insurance Act 1938): No person shall allow or offer to allow, either directly or indirectly, as
Exceeding 21 months 100% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Periods" in the event of payment of premium within the stipulated grace Period immediately on the earlier of the following events; an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property
Cancellation table applicable for Policy Term 2 Years with instalment option of Quarterly premium payment frequency Exceeding 15 months up to 16 months 95% of the total premium received
iv. No interest will be charged lf the instalment premium is not paid on due date ü Upon the death of the Insured Person. This also means that in case of family floater policy, cover for the other in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any
Period on risk Rate of premium to be retained Exceeding 16 months up to 18 months 100% of the total premium received surviving members of the family will continue, subject to other terms of the policy person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with
v. ln case of instalment premium due not received within the grace period, the policy will get cancelled
Up to one month 87.5% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received ü Upon exhaustion of the Limit of Coverage the published prospectuses or tables of the insurer. Any person making default in complying with the provisions of this section
vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable
Exceeding one month up to 3 months 100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received shall be liable for a penalty which may extend to ten lakhs rupees.
vii. The company has the right to recover and deduct all the pending installments from the claim amount due under the policy µ Claim Procedure
Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received The information provided in this brochure is only indicative.
µ Migration: The insured person will have the option to migrate the policy to other health insurance products/plans offered a. Call the 24 hour help-line for assistance - 1800 425 2255/1800 102 4477
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 22 months up to 24 months 100% of the total premium received For more details on the risk factors, terms and conditions,
Exceeding 24 months up to 25 months 97.5% of the total premium received by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI b. Inform the ID number for easy reference please read the policy wordings before concluding sale

Insurance is the subject matter of solicitation

Exceeding 6 months up to 7 months 85% of the total premium received guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under c. On admission in the hospital, produce the ID Card issued by the Company at the Hospital Helpdesk
Exceeding 25 months up to 27 months 100% of the total premium received Or
Exceeding 7 months up to 9 months 100% of the total premium received any health insurance product/plan offered by the company, the insured person will get the accrued continuity benefits in d. Obtain the Pre-authorisation Form from the Hospital Help Desk, complete the Patient Information and resubmit to Visit our website www.starhealth.in
Exceeding 27 months up to 28 months 97.5% of the total premium received waiting periods as per IRDAI guidelines on migration.
Exceeding 9 months up to 10 months 85% of the total premium received the Hospital Help Desk.
Exceeding 28 months up to 30 months 100% of the total premium received
Exceeding 10 months up to 12 months 100% of the total premium received
Exceeding 30 months up to 31 months 95% of the total premium received
For Detailed Guidelines on migration, kindly refer the link e. In case of emergency hospitalization, information to be given within 24 hours after hospitalization Star Comprehensive Insurance Policy
Exceeding 12 months up to 13 months 97.5% of the total premium received https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 Unique Identification No.: SHAHLIP22028V072122
Exceeding 31 months up to 33 months 100% of the total premium received f. In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of

BRO / COMP/ V.14 / 2023

Exceeding 13 months up to 15 months 100% of the total premium received µ Portability: The insured person will have the option to port the policy to other insurers by applying to such insurer to port documents IRDAI IS NOT INVOLVED IN
Exceeding 33 months up to 34 months 95% of the total premium received Buy this Insurance Online at www.starhealth.in
Exceeding 15 months up to 16 months 95% of the total premium received the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from g. KYC (Identity proof with Address) of the proposer, as per AML Guidelines ACTIVITIES LIKE SELLING
Exceeding 34 months 100% of the total premium received the policy renewal date as per IRDAI guidelines related to portability. lf such person is presently covered and has been and avail 5% Discount
Exceeding 16 months up to 18 months 100% of the total premium received INSURANCE POLICIES, ANNOUNCING
Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation continuously covered without any lapses under any health insurance policy with an lndian General/Health insurer, the µ The Company: Star Health and Allied Insurance Co. Ltd., commenced its operations in 2006 as India's first Standalone
Exceeding 18 months up to 19 months 95% of the total premium received Health Insurance provider. As an exclusive Health Insurer, the Company is providing sterling services in Health, Personal BONUS OR INVESTMENT OF
where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy. proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability. Customer Care Number: 044 69006900 | Toll free: 1800 425 2255
Exceeding 19 months up to 21 months 100% of the total premium received For details contact “portability@starhealth.in” or call Telephone No +91-044-28288869. Accident & Overseas Travel Insurance and is committed to setting international benchmarks in service and personal caring. Chat: +91 9597652225 | sms: STAR to 56677 PREMIUMS. PUBLIC RECEIVING SUCH
ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, PHONE CALLS ARE REQUESTED TO
Exceeding 21 months up to 22 months 92.5% of the total premium received fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation For Detailed Guidelines on portability, kindly refer the link µ Tax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of Email: support@starhealth.in
Exceeding 22 months 100% of the total premium received on grounds of misrepresentation, non-disclosure of material facts or fraud https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 the Income Tax Act 1961. CIN: L66010TN2005PLC056649 | IRDAI Regn. No: 129 LODGE A POLICE COMPLAINT

7 8 9 10

735.00 mm
 127.50 mm 127.50 mm 120.00 mm 120.00 mm 120.00 mm 120.00 mm

µ eli ery and ew orn ection µ Co era e for odern Treatments ection 3 Expenses are su ect to the limits. vi. ll types of ernia a. ny type of contraception sterili ation uclear eapons material
. Expenses incurred as in patient for elivery including elivery y aesarean section For details please refer e site .starhealth.in vii. esmoid umor Um ilical ranuloma Um ilical inus Um ilical Fistula . ssisted eproduction services including artificial insemination and advanced reproductive technologies c he radioactive toxic explosive or other ha ardous properties of any explosive nuclear assem ly or nuclear
. reatment of the e orn viii. ll treatments conservative interventional laparoscopic and open related to all iseases of ervix such as F F F component thereof
µ utomatic Restoration of um nsured pplicable for ection nly here shall e automatic restoration of the
. accination expenses for the ne orn a y are paya le up to the limits mentioned in the schedule of enefits until the ne Uterus Fallopian tu es varies Uterine leeding elvic nflammatory iseases c. estational urrogacy d uclear chemical and iological terrorism
asic um nsured y 100% immediately upon exhaustion of the asic um nsured and accrued umulative onus if
orn a y completes one year of age and is added in the policy on rene al. laim under this is admissi le only if claim under ix. ll iseases of rostate tricture Urethra all structive Uropathies d. eversal of sterili ation ny claim arising out of sporting activities in so far as they involve the training or participation in competitions of
any once during the policy period.
of ection 2 a ove has een admitted and hile the policy is in force x. enign umours of Epididymis permatocele aricocele ydrocele professional or semi professional sports persons - Code ec cl
t is made clear that such restored um nsured can e utili ed for the su se uent hospitali ation even for the illness disease aternity - Code cl
overage under this section is su ect to a aiting period of 24months and paya le only hile the policy is in force.
for hich claim s as ere already made. xi. Fistula Fissure in no emorrhoids ilonidal inus and Fistula ectal rolapse tress ncontinence a. edical treatment expenses tracea le to child irth including complicated deliveries and caesarean sections articipation in a ardous port a ardous ctivities - Code ec cl
µ ut-patient ental and phthalmic Treatment ection 3 Expenses incurred on acute treatment to a natural tooth or teeth or xii. aricose veins and aricose ulcers incurred during hospitali ation except ectopic pregnancy and to the extent covered under ection 2 ersons ho are physically challenge unless specifically agreed and endorsed in the policy - Code ec cl
Eye are paya le once in every loc of 3 years of continuous coverage. uch restoration ill e availa le for section 1 other than ection 1 . his enefit is not availa le for odern reatments.
nique dentification o H H P xiii. ll types of transplant and related surgeries ther than one arro ransplant for acute hematological . Expenses to ards miscarriage unless due to an accident and la ful medical termination of pregnancy ny loss arising out of the nsured erson s actual or attempted commission of or illful participation in an illegal act
he treatment can e ta en as an utpatient. For limits please refer schedule of enefits. his is in addition to sum insured. µ Cumulati e onus pplicable for ection other than H ection ection ection ection and malignancies and acute medical emergencies hen indicated during the policy period or any violation or attempted violation of the la - Code ec cl
hen health issues can t e predicted health insurance is the est option availa le to overcome the heavy financial loss that occurs in ote ayment of any claim under this section shall not e construed as a aiver of ompany s right to repudiate any claim on ection 3 here the sum insured under the policy is s.5 00 000 the insured person ould e entitled to the enefit
the form of hospitali ation and medical expenses. xiv. ongenital nternal disease defect ircumcision unless necessary for treatment of a disease not excluded under this policy or necessitated due to an ny payment in case of more than one claim under the policy during the period of insurance y hich the maximum
grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under hospitali ation provisions of of umulative onus calculated at 50% of the asic sum insured under this policy follo ing after every claim free year up
the policy contract. 3 3 -day waitin period - Code cl 3 accident reputioplasty Frenuloplasty reputial ilatation and emoval of E - Code cl lia ility of the ompany in that period ould exceed the amount specified in the chedule - Code ec cl
he right decision of purchasing a health insurance policy should complement the ise move of pic ing the right one. recise to say to a maximum of 100%.
having a policy that offers complete protection is more essential than ust having a health insurance cover. . Expenses related to the treatment of any illness ithin 30 days from the first policy commencement date shall ongenital External ondition efects nomalies except to the extent provided under ection 2 for e orn - 3 ny other claim after a claim has een admitted y the ompany and ecomes paya le for eath or ermanent
µ r an onor penses ection n patient hospitali ation expenses incurred for organ transplantation from the onor to the here the sum insured under the policy is s.7 50 000 or a ove the insured person ould e entitled to the enefit of
Code cl
resenting omprehensive nsurance olicy ith rene ed features. his policy is carefully crafted to offer complete protection e excluded except claims arising due to an accident provided the same are covered otal isa lement as mentioned n a le - Code ec cl 3
ecipient nsured erson are paya le provided the claim for transplantation is paya le. n addition the expenses incurred y the umulative onus calculated at 100% of the asic sum insured under this policy follo ing a claim free year. he
against all health care eventualities for an entire family on individual and floater asis. onor if any for the complications that necessitate a edo urgery U admission ill e covered. maximum enefit of onus is 100% of the asic sum insured. . his exclusion shall not ho ever apply if the nsured erson has continuous coverage for more than t elve months onvalescence general de ility run do n condition utritional deficiency states - Code cl ny claim arising out of an accident related to pregnancy or child irth infirmity hether directly or indirectly -
µ li ibility he coverage limit under this section is over and a ove the imit of overage and up to the asic um nsured. his additional . he ithin referred aiting period is made applica le to the enhanced sum insured in the event of granting ntentional self in ury - Code cl Code ec cl
pecial Conditions for Cumulati e onus
Ø Entry age et een 3 months and 65 years um nsured can e utili ed y the onor and not y the nsured. higher sum insured su se uently ny claim for eath or ermanent otal isa lement of the nsured erson from self endangerment unless in self
1. he umulative onus ill e calculated on the expiring asic um nsured or on the rene ed asic um nsured 3 enereal isease and exually ransmitted iseases ther than - Code cl 3
Ø ifelong rene als guaranteed hichever is less n esti ation aluation - Code- cl defense or to save human life - Code ec cl
µ Hospital Cash enefit ection n ury disease directly or indirectly caused y or arising from or attri uta le to ar invasion act of foreign enemy
Ø o exit age Ø aya le for each completed day of ospitalisation up to 7 days per occurrence and maximum of 120 days during the entire 2. f the insured opts to reduce the asic um nsured at the su se uent rene al the limit of indemnity y ay of such . Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded arli e operations hether ar e declared or not - Code cl µ oratorium Period fter completion of eight continuous years under the policy no loo ac to e applied. his period of
Ø olicy ype ndividual Floater Family i e aximum 2 dults 3 ependent hildren policy period umulative onus shall not exceed such reduced asic sum insured . ny diagnostic expenses hich are not related or not incidental to the current diagnosis and treatment are excluded eight years is called as moratorium period. he moratorium ould e applica le for the sums insured of the first policy and
n ury or disease directly or indirectly caused y or contri uted to y nuclear eapons materials - Code cl
Ø ependent children those ho are economically dependent on their parents can e covered upto 25 years of age Ø his enefit is su ect to an excess of first 24 hours of ospitali ation for each and every claim. laims under this section ill 3 n the e ent of a claim resultin in Rest Cure rehabilitation and respite care - Code cl Expenses related to any admission primarily for su se uently completion of 8 continuous years ould e applica le from date of enhancement of sums insured only on
not reduce the um nsured Expenses incurred on Enhanced External ounter ulsation herapy and related therapies helation therapy the enhanced limits. fter the expiry of oratorium eriod no health insurance claim shall e contesta le except for
µ um nsured ptions s.5 00 000 s.7 50 000 s.10 00 000 s.15 00 000 s.20 00 000 s.25 00 000 s.50 00 000 i. artial utili ation of asic um nsured such cumulative onus so granted ill e reduced at the same rate at enforced ed rest and not for receiving treatment. his also includes
s.75 00 000 s.1 00 00 000. yper aric xygen herapy otational Field uantum agnetic esonance herapy o level laser proven fraud and permanent exclusions specified in the policy contract. he policies ould ho ever e su ect to all
µ Health Check p ection his enefit is paya lefor every claim free year up to the limits mentioned in the schedule of enefits. hich it has accrued 1. ustodial care either at home or in a nursing facility for personal care such as help ith activities of daily living
therapy hotodynamic therapy - Code cl limits su limits co payments deducti les as per the policy contract.
µ Policy Term 1 year 2 year 3 year . For policies more than one year the asic um nsured is for each year ithout any carry ii. Full utili ation of asic um nsured and nil utili ation of cumulative onus accrued such cumulative onus so such as athing dressing moving around either y s illed nurses or assistant or non s illed persons
µ ariatric ur ery ection Unconventional Untested Experimental therapies - Code cl
over enefit thereof. granted ill e reduced at the same rate at hich it has accrued 2. ny services for people ho are terminally ill to address physical social emotional and spiritual needs µ Co-Payment his policy is su ect to o payment of 10% of each and every claim amount for fresh as ell as rene al
a he expenses incurred on hospitali ation for ariatric surgical procedure and its complications thereof are paya le upto the utologous derived tromal vascular fraction hondrocyte mplantation rocedures using latelet ich plasma
µ nstalment acility a ailable remium can e paid uarterly and alf yearly. remium can also e paid nnually iennial limits mentioned in the schedule of enefits during the policy period iii. Full utili ation of asic um nsured and partial utili ation of cumulative onus accrued the cumulative onus besity ei ht Control - Code cl Expenses related to the surgical treatment of o esity that does not fulfill policies for insured persons hose age at the time of entry is 61years and a ove. his co payment ill not apply for those
nce in 2 years and riennial nce in 3 years . granted on rene al ill e the alance cumulative onus availa le and ill e reduced at the same rate at all the elo conditions and ntra articular in ection therapy - Code cl insured persons ho have entered the policy efore attaining 61 years of age and rene the policy continuously ithout any
his maximum limit of s.2 50 000 and s.5 00 000 are inclusive of pre hospitali ation and post hospitali ation expenses
Quarterly - 3 Half Yearly - ill e applica le on the annual premium hich it has accrued . urgery to e conducted is upon the advice of the octor iologicals except hen administered as an in patient hen clinically indicated and hospitali ation arranted - rea . his co payment is applica le for ection 1 to 1 1 ection 4 ection 7 ection 9 ection 12 and ection 13.
c he limit of cover for ariatric urgery forms part of sum insured under ection 1
µ Pre-acceptance medical screenin o re acceptance medical screening. iv. Full utili ation of asic um nsured and full utili ation of cumulative onus accrued the cumulative onus . he surgery rocedure conducted should e supported y clinical protocols Code cl
d overage under this section is su ect to a aiting period of 36 months and paya le only hile the policy is in force µ Renewal he policy shall ordinarily e rene a le except on grounds of fraud misrepresentation y the nsured erson
granted on rene al ill e nil or ero . he mem er has to e 18 years of age or older and 3 ll treatment for riapism and erectile dysfunctions - Code cl 3 1. he ompany shall endeavor to give notice for rene al. o ever the ompany is not under o ligation to give any
µ ay Care Procedures ll ay are rocedures are covered. µ ption for econd edical pinion ection he nsured erson is given the facility of o taining a econd edical pinion
210.00 mm

µ idterm inclusion of ne ly married edded spouse and e orn a y is permissi le on paying additional premium. he from a octor in the ompany s net or of edical ractitioners. µ clusions . ody ass ndex 3 noculation or accination except for post ite treatment and for medical treatment for therapeutic reasons - Code cl 3 notice for rene al
intimation a out the marriage ne orn should e given ithin 60 days from the date of marriage or ne orn. he cover ill e o utili ed this enefit all medical records should e for arded to the mail id e medicalopinion starhealth.in. he ompany shall not e lia le to ma e any payments under this policy in respect of any expenses hat so ever 1. greater than or e ual to 40 or 3 ental treatment or surgery in excess of hat is specifically provided unless necessitated due to accidental 2. ene al shall not e denied on the ground that the insured person had made a claim or claims in the preceding policy years
from the date of payment of premium. incurred y the insured person in connection ith or in respect of 2. greater than or e ual to 35 in con unction ith any of the follo ing severe co mor idities follo ing failure in uries and re uiring hospitali ation - Code cl 3 3. e uest for rene al along ith re uisite premium shall e received y the ompany efore the end of the policy period
µ Y H Treatment ection n patient hospitali ation expenses incurred on treatment under yurveda Unani idha and
µ Co era e ection Pre- istin iseases - Code cl of less invasive methods of eight loss 33 edical and or surgical treatment of leep apnea treatment for endocrine disorders - Code cl 33 4. t the end of the policy period the policy shall terminate and can e rene ed ithin the race eriod of 30 days to
omeopathy systems of medicines in a overnment ospital or in any institute recogni ed y the government and or accredited
. Hospitalisation co er oom rivate ingle room oarding and ursing Expenses . Expenses related to the treatment of a pre existing isease E and its direct complications shall e excluded a. esity related cardiomyopathy maintain continuity of enefits ithout rea in policy
y the uality ouncil of ndia ational ccreditation oard on ealth as in patient is paya le up to the limits mentioned in the 3 ospital registration charges admission charges record charges telephone charges and such other charges -
ote Hospitali ation penses which ary based on the room rent occupied by the insured person will be considered chedule of enefits. until the expiry of 36 months of continuous coverage after the date of inception of the first policy ith insurer . oronary heart disease Code cl 3 5. overage is not availa le during the grace period
in proportion to the room rent limit room cate ory stated in the policy schedule or actuals whiche er is less ote . n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase. c. evere leep pnea 6. o loading shall apply on rene als ased on individual claims experience
3 ochlear implants and procedure related hospitali ation expenses. ost of spectacles and contact lens in excess of
. urgeon nesthetist edical ractitioner onsultants pecialist Fees 1 ayment under this enefit forms part of the sum insured and also ill impact the onus . f the nsured erson is continuously covered ithout any rea as defined under the porta ility norms of the d. Uncontrolled ype2 ia etes hat is specifically provided hearing aids al ers and crutches heel chairs ontinuous
. nesthesia lood xygen peration heatre charges U charges urgical ppliances edicines and rugs 2 oga and aturopathy systems of treatment are excluded from the scope of coverage under U treatment extant ealth nsurance egulations then aiting period for the same ould e reduced to the extent µ Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he ompany ith prior approval of
Chan e-of- ender treatments - Code cl Expenses related to any treatment including surgical management m ulatory eritoneal ialysis infusion pump and such other similar aids - Code cl 3
iagnostic aterials and ray diagnostic imaging modalities ialysis hemotherapy adiotherapy cost of acema er of prior coverage l l may revise or modify the terms of the policy including the premium rates. he insured person shall e notified three
µ ccidental eath and Permanent Total isablement ection to change characteristics of the ody to those of the opposite sex. 3 ny hospitali ations hich are not edically ecessary does not arrant ospitali ation - Code cl 3 months efore the changes are effected.
. Road ambulance e penses u ect to an admissi le hospitali ation claim road am ulance expenses incurred for the 1. ccidental eath . overage under the policy after the expiry of 36 months for any pre existing disease is su ect to the same Cosmetic or plastic ur ery - Code cl Expenses for cosmetic or plastic surgery or any treatment to change
follo ing are paya le eing declared at the time of application and accepted y nsurer 3 ther Excluded Expenses as detailed in the e site .starhealth.in - Code cl 3 µ Re ision in um nsured ny revision in sum insured is permissi le only at the time of rene al. he nsured erson can
2. ermanent otal isa ility follo ing an accident appearance unless for reconstruction follo ing an ccident urn s or ancer or as part of medically necessary
i. for transportation of the insured person y private am ulance service to go to hospital hen this is needed for medical 3. ependent children and persons a ove 70 years can e covered under accidental death and permanent total disa lement pecified disease procedure waitin period - Code cl treatment to remove a direct and immediate health ris to the insured. For this to e considered a medical necessity 3 Existing disease s disclosed y the insured and mentioned in the policy schedule ased on insured s consent for propose such revision and may e allo ed su ect to ompany s approval and payment of appropriate premium.
reasons upto the sum insured of s.10 00 000 . Expenses related to the treatment of the follo ing listed onditions surgeries treatments shall e excluded it must e certified y the attending edical ractitioner. specified codes - Code cl 3
µ ree ook Period he Free oo eriod shall e applica le on ne individual health insurance policies and not on
or he sum insured for this cover is separately indicated in schedule of enefits. over is availa le for one insured person until the expiry of 24 months of continuous coverage after the date of inception of the first policy ith us. his Ha ardous or d enture sports - Code cl Expenses related to any treatment necessitated due to participation pplicable for ection rene als or at the time of porting migrating the policy.
ii. for transportation of the insured person y private am ulance service from one hospital to another hospital for etter opted y the proposer exclusion shall not e applica le for claims arising due to an accident as a professional in ha ardous or adventure sports including ut not limited to para umping roc clim ing ny claim relating to events occurring efore the commencement of the cover or other ise outside the eriod of he insured person shall e allo ed free loo period of fifteen days from date of receipt of the policy document to revie
medical treatment
. n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase mountaineering rafting motor racing horse racing or scu a diving hand gliding s y diving deep sea diving. nsurance - Code ec cl the terms and conditions of the policy and to return the same if not accepta le.
or
pecial eatures . f any of the specified disease procedure falls under the aiting period specified for pre existing diseases reach of law - Code cl Expenses for treatment directly arising from or conse uent upon any nsured ny in uries conditions hich are re existing conditions - Code ec cl lf the insured has not made any claim during the Free oo eriod the insured shall e entitled to
iii. for transportation of the insured person from the hospital here treatment is ta en to their place of residence provided
the re uirement of an am ulance to the residence is certified y the medical practitioner then the longer of the t o aiting periods shall apply erson committing or attempting to commit a reach of la ith criminal intent. i. a refund of the premium paid less any expenses incurred y the ompany on medical examination of the insured
Ø tar ellness Pro ram ection his program intends to promote incentivi e and to re ard the nsured ersons 3 ny claim arising out of ccidents that the nsured erson has caused - Code ec cl 3
E. ir mbulance e penses up to s.2 50 000 per hospitali ation not exceeding s.5 00 000 per policy period healthy life style through various ellness activities. he ellness activities as detailed in the e site are designed to help . he aiting period for listed conditions shall apply even if contracted after the policy or declared and accepted cluded Pro iders - Code cl Expenses incurred to ards treatment in any hospital or y any edical i. intentionally or person and the stamp duty charges or
the nsured person to earn ellness re ard points hich ill e trac ed and monitored y the ompany. he ellness points ithout a specific exclusion ractitioner or any other provider specifically excluded y the nsurer and disclosed in its e site notified to the ii. here the ris has already commenced and the option of return of the policy is exercised y the insured person a
F. Pre-Hospitali ation medical expenses incurred for a period not exceeding 60 days prior to the date of hospitali ation ii. y committing a crime involved in it or
earned y the nsured erson s under the ellness program can e utili ed to get discount in premium. E. f the nsured erson is continuously covered ithout any rea as defined under the applica le norms on policyholders are not admissi le. o ever in case of life threatening situations or follo ing an accident expenses deduction to ards the proportionate ris premium for period of cover or
. Post Hospitali ation medical expenses incurred for a period up to 90 days from the date of discharge from the hospital porta ility stipulated y then aiting period for the same ould e reduced to the extent of prior coverage iii. as a result of in a state of drun enness or addiction drugs alcohol
he follo ing ta le sho s the discount on premium availa le under the ellness rogram up to the stage of sta ili ation are paya le ut not the complete claim. iii. here only a part of the insurance coverage has commenced such proportionate premium commensurate ith the
. utpatient edical Consultation Expenses on edical onsultations as an ut atient incurred in a et or ed Facility F. ist of specific diseases procedures nsured erson engaging in ir ravel unless he she flies as a fare paying passenger on an aircraft properly
reatment for lcoholism drug or su stance a use or any addictive condition and conse uences thereof - Code cl insurance coverage during such period
for other than ental and phthalmic treatments up to the limits mentioned in the schedule of enefits ith a limit of s.300 ellness Points arned iscount in Premium licensed to carry passengers. For the purpose of this exclusion ir ravel means eing in or on or oarding an
per consultation. his enefit ill not reduce the sum insured i. reatment of ataract and diseases of the anterior and posterior cham er of the Eye iseases of E
3 reatments received in health hydros nature cure clinics spas or similar esta lishments or private eds registered aircraft for the purpose of flying therein or alighting there from - Code ec cl µ isclosure to information norms he policy shall ecome void and all premium paid thereon shall e forfeited to the
200 to 350 2% iseases related to hyroid enign diseases of the reast
ote ayment of any claim under utpatient edical onsultation shall not e construed as a aiver of ompany s right to as a nursing home attached to such esta lishments or here admission is arranged holly or partly for domestic ccidents that are results of ar and arli e occurrence or invasion acts of foreign enemies hostilities civil ar ompany in the event of mis representation mis description or non disclosure of any material fact y the policy holder.
repudiate any claim on grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under 351 to 600 5% ii. u cutaneous enign umps e aceous cyst ermoid cyst ucous cyst lip chee arpal unnel reasons - Code cl 3
yndrome rigger Finger ipoma eurofi roma Fi roadenoma anglion and similar pathology re ellion insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped µ Cancellation he policyholder may cancel this policy y giving 15 days ritten notice and in such an event the
hospitali ation provisions of the policy contract. 601 to 750 7% ietary supplements and su stances that can e purchased ithout prescription including ut not limited to
iii. ll treatments onservative perative treatment and all types of intervention for iseases related to po er sei ure capture arrest restraints detainments of all ings princes and people of hatever nation condition or ompany shall refund premium for the unexpired policy period as detailed elo
. omiciliary hospitali ation overage for medical treatment including U for a period exceeding three days for an 751 to 1000 10% itamins minerals and organic su stances unless prescri ed y a medical practitioner as part of hospitali ation uality hatsoever - Code ec cl
illness disease in ury hich in the normal course ould re uire care and treatment at a ospital ut on the advice of the endon igament Fascia ones and oint ncluding rthroscopy and rthroplasty oint Cancellation table applicable for Policy Term Year without instalment option
claim or day care procedure - Code cl
attending edical ractitioner is ta en hilst confined at home under any of the follo ing circumstances For more information lease visit our e site .starhealth.in eplacement other than caused y accident articipation in riots confiscation or nationali ation or re uisition of or destruction of or damage to property y or
Refracti e rror - Code cl Expenses related to the treatment for correction of eye sight due to refractive under the order of any government or local authority - Code ec cl Period on risk Rate of premium to be retained
i. he condition of the patient is such that he she is not in a condition to e removed to a ospital or Ø uy ack Pre- istin isease ection he prospect has the option to opt for reduction of aiting period in respect of iv. ll types of treatment for egenerative disc and erte ral diseases including eplacement of ones
and oints and egenerative diseases of the usculo s eletal system rolapse of nterverte ral isc error less than 7. 5 dioptres Up to one month 22.5% of the policy premium
ii. he patient ta es treatment at home on account of non availa ility of room in a hospital re Existing iseases from 36 months to12 months on payment of additional premium. his option is availa le only if the first ny claim resulting or arising from or any conse uential loss directly or indirectly caused y or contri uted to or
purchase of an indemnity insurance policy is a tar omprehensive nsurance olicy and also only upto um nsured chosen other than caused y accident npro en Treatments - Code cl Expenses related to any unproven treatment services and supplies for or arising from - Code ec cl Exceeding one month up to 3 months 37.5% of the policy premium
o ever this enefit shall not cover sthma ronchitis hronic ephritis and ephritic yndrome iarrhoea and all types
of ysenteries including astro enteritis ia etes ellitus and nsipidus Epilepsy ypertension nfluen a ough and at that time. his option is not availa le for rene al or policies ported from other nsurance ompanies. he prospect has to v. ll treatments conservative interventional laparoscopic and open related to epato pancreato in connection ith any treatment. Unproven treatments are treatments procedures or supplies that lac significant a oni ing radiation or contamination y radioactivity from any nuclear fuel or from any nuclear aste from the Exceeding 3 months up to 6 months 57.5% of the policy premium
old all sychiatric or sychosomatic isorders yrexia of un no n origin for less than 10 days onsillitis and Upper undergo pre acceptance medical screening at ompany s nominated centre. t present 100% of cost of the pre acceptance iliary diseases including all ladder and ancreatic calculi. ll types of management for idney and medical documentation to support their effectiveness. com ustion of nuclear fuel or from any nuclear aste from com ustion including any self sustaining process Exceeding 6 months up to 9 months 80% of the policy premium
espiratory ract infection including aryngitis and haringitis rthritis out and heumatism. medical screening ill e orne y the ompany. he ompany may re uire the prospect to share this cost maximum 50% . enitourinary tract calculi terility and nfertility - Code cl Expenses related to sterility and infertility. his includes of nuclear fission of nuclear fuel Exceeding 9 months Full of the policy premium

1 2 3 4 5 6

735.00 mm
 127.50 mm 127.50 mm 120.00 mm 120.00 mm 120.00 mm 120.00 mm

µ eli ery and ew orn ection µ Co era e for odern Treatments ection 3 Expenses are su ect to the limits. vi. ll types of ernia a. ny type of contraception sterili ation uclear eapons material
. Expenses incurred as in patient for elivery including elivery y aesarean section For details please refer e site .starhealth.in vii. esmoid umor Um ilical ranuloma Um ilical inus Um ilical Fistula . ssisted eproduction services including artificial insemination and advanced reproductive technologies c he radioactive toxic explosive or other ha ardous properties of any explosive nuclear assem ly or nuclear
. reatment of the e orn viii. ll treatments conservative interventional laparoscopic and open related to all iseases of ervix such as F F F component thereof
µ utomatic Restoration of um nsured pplicable for ection nly here shall e automatic restoration of the
. accination expenses for the ne orn a y are paya le up to the limits mentioned in the schedule of enefits until the ne Uterus Fallopian tu es varies Uterine leeding elvic nflammatory iseases c. estational urrogacy d uclear chemical and iological terrorism
asic um nsured y 100% immediately upon exhaustion of the asic um nsured and accrued umulative onus if
orn a y completes one year of age and is added in the policy on rene al. laim under this is admissi le only if claim under ix. ll iseases of rostate tricture Urethra all structive Uropathies d. eversal of sterili ation ny claim arising out of sporting activities in so far as they involve the training or participation in competitions of
any once during the policy period.
of ection 2 a ove has een admitted and hile the policy is in force x. enign umours of Epididymis permatocele aricocele ydrocele professional or semi professional sports persons - Code ec cl
t is made clear that such restored um nsured can e utili ed for the su se uent hospitali ation even for the illness disease aternity - Code cl
overage under this section is su ect to a aiting period of 24months and paya le only hile the policy is in force.
for hich claim s as ere already made. xi. Fistula Fissure in no emorrhoids ilonidal inus and Fistula ectal rolapse tress ncontinence a. edical treatment expenses tracea le to child irth including complicated deliveries and caesarean sections articipation in a ardous port a ardous ctivities - Code ec cl
µ ut-patient ental and phthalmic Treatment ection 3 Expenses incurred on acute treatment to a natural tooth or teeth or xii. aricose veins and aricose ulcers incurred during hospitali ation except ectopic pregnancy and to the extent covered under ection 2 ersons ho are physically challenge unless specifically agreed and endorsed in the policy - Code ec cl
Eye are paya le once in every loc of 3 years of continuous coverage. uch restoration ill e availa le for section 1 other than ection 1 . his enefit is not availa le for odern reatments.
nique dentification o H H P xiii. ll types of transplant and related surgeries ther than one arro ransplant for acute hematological . Expenses to ards miscarriage unless due to an accident and la ful medical termination of pregnancy ny loss arising out of the nsured erson s actual or attempted commission of or illful participation in an illegal act
he treatment can e ta en as an utpatient. For limits please refer schedule of enefits. his is in addition to sum insured. µ Cumulati e onus pplicable for ection other than H ection ection ection ection and malignancies and acute medical emergencies hen indicated during the policy period or any violation or attempted violation of the la - Code ec cl
hen health issues can t e predicted health insurance is the est option availa le to overcome the heavy financial loss that occurs in ote ayment of any claim under this section shall not e construed as a aiver of ompany s right to repudiate any claim on ection 3 here the sum insured under the policy is s.5 00 000 the insured person ould e entitled to the enefit
the form of hospitali ation and medical expenses. xiv. ongenital nternal disease defect ircumcision unless necessary for treatment of a disease not excluded under this policy or necessitated due to an ny payment in case of more than one claim under the policy during the period of insurance y hich the maximum
grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under hospitali ation provisions of of umulative onus calculated at 50% of the asic sum insured under this policy follo ing after every claim free year up
the policy contract. 3 3 -day waitin period - Code cl 3 accident reputioplasty Frenuloplasty reputial ilatation and emoval of E - Code cl lia ility of the ompany in that period ould exceed the amount specified in the chedule - Code ec cl
he right decision of purchasing a health insurance policy should complement the ise move of pic ing the right one. recise to say to a maximum of 100%.
having a policy that offers complete protection is more essential than ust having a health insurance cover. . Expenses related to the treatment of any illness ithin 30 days from the first policy commencement date shall ongenital External ondition efects nomalies except to the extent provided under ection 2 for e orn - 3 ny other claim after a claim has een admitted y the ompany and ecomes paya le for eath or ermanent
µ r an onor penses ection n patient hospitali ation expenses incurred for organ transplantation from the onor to the here the sum insured under the policy is s.7 50 000 or a ove the insured person ould e entitled to the enefit of
Code cl
resenting omprehensive nsurance olicy ith rene ed features. his policy is carefully crafted to offer complete protection e excluded except claims arising due to an accident provided the same are covered otal isa lement as mentioned n a le - Code ec cl 3
ecipient nsured erson are paya le provided the claim for transplantation is paya le. n addition the expenses incurred y the umulative onus calculated at 100% of the asic sum insured under this policy follo ing a claim free year. he
against all health care eventualities for an entire family on individual and floater asis. onor if any for the complications that necessitate a edo urgery U admission ill e covered. maximum enefit of onus is 100% of the asic sum insured. . his exclusion shall not ho ever apply if the nsured erson has continuous coverage for more than t elve months onvalescence general de ility run do n condition utritional deficiency states - Code cl ny claim arising out of an accident related to pregnancy or child irth infirmity hether directly or indirectly -
µ li ibility he coverage limit under this section is over and a ove the imit of overage and up to the asic um nsured. his additional . he ithin referred aiting period is made applica le to the enhanced sum insured in the event of granting ntentional self in ury - Code cl Code ec cl
pecial Conditions for Cumulati e onus
Ø Entry age et een 3 months and 65 years um nsured can e utili ed y the onor and not y the nsured. higher sum insured su se uently ny claim for eath or ermanent otal isa lement of the nsured erson from self endangerment unless in self
1. he umulative onus ill e calculated on the expiring asic um nsured or on the rene ed asic um nsured 3 enereal isease and exually ransmitted iseases ther than - Code cl 3
Ø ifelong rene als guaranteed hichever is less n esti ation aluation - Code- cl defense or to save human life - Code ec cl
µ Hospital Cash enefit ection n ury disease directly or indirectly caused y or arising from or attri uta le to ar invasion act of foreign enemy
Ø o exit age Ø aya le for each completed day of ospitalisation up to 7 days per occurrence and maximum of 120 days during the entire 2. f the insured opts to reduce the asic um nsured at the su se uent rene al the limit of indemnity y ay of such . Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded arli e operations hether ar e declared or not - Code cl µ oratorium Period fter completion of eight continuous years under the policy no loo ac to e applied. his period of
Ø olicy ype ndividual Floater Family i e aximum 2 dults 3 ependent hildren policy period umulative onus shall not exceed such reduced asic sum insured . ny diagnostic expenses hich are not related or not incidental to the current diagnosis and treatment are excluded eight years is called as moratorium period. he moratorium ould e applica le for the sums insured of the first policy and
n ury or disease directly or indirectly caused y or contri uted to y nuclear eapons materials - Code cl
Ø ependent children those ho are economically dependent on their parents can e covered upto 25 years of age Ø his enefit is su ect to an excess of first 24 hours of ospitali ation for each and every claim. laims under this section ill 3 n the e ent of a claim resultin in Rest Cure rehabilitation and respite care - Code cl Expenses related to any admission primarily for su se uently completion of 8 continuous years ould e applica le from date of enhancement of sums insured only on
not reduce the um nsured Expenses incurred on Enhanced External ounter ulsation herapy and related therapies helation therapy the enhanced limits. fter the expiry of oratorium eriod no health insurance claim shall e contesta le except for
µ um nsured ptions s.5 00 000 s.7 50 000 s.10 00 000 s.15 00 000 s.20 00 000 s.25 00 000 s.50 00 000 i. artial utili ation of asic um nsured such cumulative onus so granted ill e reduced at the same rate at enforced ed rest and not for receiving treatment. his also includes
s.75 00 000 s.1 00 00 000. yper aric xygen herapy otational Field uantum agnetic esonance herapy o level laser proven fraud and permanent exclusions specified in the policy contract. he policies ould ho ever e su ect to all
µ Health Check p ection his enefit is paya lefor every claim free year up to the limits mentioned in the schedule of enefits. hich it has accrued 1. ustodial care either at home or in a nursing facility for personal care such as help ith activities of daily living
therapy hotodynamic therapy - Code cl limits su limits co payments deducti les as per the policy contract.
µ Policy Term 1 year 2 year 3 year . For policies more than one year the asic um nsured is for each year ithout any carry ii. Full utili ation of asic um nsured and nil utili ation of cumulative onus accrued such cumulative onus so such as athing dressing moving around either y s illed nurses or assistant or non s illed persons
µ ariatric ur ery ection Unconventional Untested Experimental therapies - Code cl
over enefit thereof. granted ill e reduced at the same rate at hich it has accrued 2. ny services for people ho are terminally ill to address physical social emotional and spiritual needs µ Co-Payment his policy is su ect to o payment of 10% of each and every claim amount for fresh as ell as rene al
a he expenses incurred on hospitali ation for ariatric surgical procedure and its complications thereof are paya le upto the utologous derived tromal vascular fraction hondrocyte mplantation rocedures using latelet ich plasma
µ nstalment acility a ailable remium can e paid uarterly and alf yearly. remium can also e paid nnually iennial limits mentioned in the schedule of enefits during the policy period iii. Full utili ation of asic um nsured and partial utili ation of cumulative onus accrued the cumulative onus besity ei ht Control - Code cl Expenses related to the surgical treatment of o esity that does not fulfill policies for insured persons hose age at the time of entry is 61years and a ove. his co payment ill not apply for those
nce in 2 years and riennial nce in 3 years . granted on rene al ill e the alance cumulative onus availa le and ill e reduced at the same rate at all the elo conditions and ntra articular in ection therapy - Code cl insured persons ho have entered the policy efore attaining 61 years of age and rene the policy continuously ithout any
his maximum limit of s.2 50 000 and s.5 00 000 are inclusive of pre hospitali ation and post hospitali ation expenses
Quarterly - 3 Half Yearly - ill e applica le on the annual premium hich it has accrued . urgery to e conducted is upon the advice of the octor iologicals except hen administered as an in patient hen clinically indicated and hospitali ation arranted - rea . his co payment is applica le for ection 1 to 1 1 ection 4 ection 7 ection 9 ection 12 and ection 13.
c he limit of cover for ariatric urgery forms part of sum insured under ection 1
µ Pre-acceptance medical screenin o re acceptance medical screening. iv. Full utili ation of asic um nsured and full utili ation of cumulative onus accrued the cumulative onus . he surgery rocedure conducted should e supported y clinical protocols Code cl
d overage under this section is su ect to a aiting period of 36 months and paya le only hile the policy is in force µ Renewal he policy shall ordinarily e rene a le except on grounds of fraud misrepresentation y the nsured erson
granted on rene al ill e nil or ero . he mem er has to e 18 years of age or older and 3 ll treatment for riapism and erectile dysfunctions - Code cl 3 1. he ompany shall endeavor to give notice for rene al. o ever the ompany is not under o ligation to give any
µ ay Care Procedures ll ay are rocedures are covered. µ ption for econd edical pinion ection he nsured erson is given the facility of o taining a econd edical pinion
210.00 mm

µ idterm inclusion of ne ly married edded spouse and e orn a y is permissi le on paying additional premium. he from a octor in the ompany s net or of edical ractitioners. µ clusions . ody ass ndex 3 noculation or accination except for post ite treatment and for medical treatment for therapeutic reasons - Code cl 3 notice for rene al
intimation a out the marriage ne orn should e given ithin 60 days from the date of marriage or ne orn. he cover ill e o utili ed this enefit all medical records should e for arded to the mail id e medicalopinion starhealth.in. he ompany shall not e lia le to ma e any payments under this policy in respect of any expenses hat so ever 1. greater than or e ual to 40 or 3 ental treatment or surgery in excess of hat is specifically provided unless necessitated due to accidental 2. ene al shall not e denied on the ground that the insured person had made a claim or claims in the preceding policy years
from the date of payment of premium. incurred y the insured person in connection ith or in respect of 2. greater than or e ual to 35 in con unction ith any of the follo ing severe co mor idities follo ing failure in uries and re uiring hospitali ation - Code cl 3 3. e uest for rene al along ith re uisite premium shall e received y the ompany efore the end of the policy period
µ Y H Treatment ection n patient hospitali ation expenses incurred on treatment under yurveda Unani idha and
µ Co era e ection Pre- istin iseases - Code cl of less invasive methods of eight loss 33 edical and or surgical treatment of leep apnea treatment for endocrine disorders - Code cl 33 4. t the end of the policy period the policy shall terminate and can e rene ed ithin the race eriod of 30 days to
omeopathy systems of medicines in a overnment ospital or in any institute recogni ed y the government and or accredited
. Hospitalisation co er oom rivate ingle room oarding and ursing Expenses . Expenses related to the treatment of a pre existing isease E and its direct complications shall e excluded a. esity related cardiomyopathy maintain continuity of enefits ithout rea in policy
y the uality ouncil of ndia ational ccreditation oard on ealth as in patient is paya le up to the limits mentioned in the 3 ospital registration charges admission charges record charges telephone charges and such other charges -
ote Hospitali ation penses which ary based on the room rent occupied by the insured person will be considered chedule of enefits. until the expiry of 36 months of continuous coverage after the date of inception of the first policy ith insurer . oronary heart disease Code cl 3 5. overage is not availa le during the grace period
in proportion to the room rent limit room cate ory stated in the policy schedule or actuals whiche er is less ote . n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase. c. evere leep pnea 6. o loading shall apply on rene als ased on individual claims experience
3 ochlear implants and procedure related hospitali ation expenses. ost of spectacles and contact lens in excess of
. urgeon nesthetist edical ractitioner onsultants pecialist Fees 1 ayment under this enefit forms part of the sum insured and also ill impact the onus . f the nsured erson is continuously covered ithout any rea as defined under the porta ility norms of the d. Uncontrolled ype2 ia etes hat is specifically provided hearing aids al ers and crutches heel chairs ontinuous
. nesthesia lood xygen peration heatre charges U charges urgical ppliances edicines and rugs 2 oga and aturopathy systems of treatment are excluded from the scope of coverage under U treatment extant ealth nsurance egulations then aiting period for the same ould e reduced to the extent µ Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he ompany ith prior approval of
Chan e-of- ender treatments - Code cl Expenses related to any treatment including surgical management m ulatory eritoneal ialysis infusion pump and such other similar aids - Code cl 3
iagnostic aterials and ray diagnostic imaging modalities ialysis hemotherapy adiotherapy cost of acema er of prior coverage l l may revise or modify the terms of the policy including the premium rates. he insured person shall e notified three
µ ccidental eath and Permanent Total isablement ection to change characteristics of the ody to those of the opposite sex. 3 ny hospitali ations hich are not edically ecessary does not arrant ospitali ation - Code cl 3 months efore the changes are effected.
. Road ambulance e penses u ect to an admissi le hospitali ation claim road am ulance expenses incurred for the 1. ccidental eath . overage under the policy after the expiry of 36 months for any pre existing disease is su ect to the same Cosmetic or plastic ur ery - Code cl Expenses for cosmetic or plastic surgery or any treatment to change
follo ing are paya le eing declared at the time of application and accepted y nsurer 3 ther Excluded Expenses as detailed in the e site .starhealth.in - Code cl 3 µ Re ision in um nsured ny revision in sum insured is permissi le only at the time of rene al. he nsured erson can
2. ermanent otal isa ility follo ing an accident appearance unless for reconstruction follo ing an ccident urn s or ancer or as part of medically necessary
i. for transportation of the insured person y private am ulance service to go to hospital hen this is needed for medical 3. ependent children and persons a ove 70 years can e covered under accidental death and permanent total disa lement pecified disease procedure waitin period - Code cl treatment to remove a direct and immediate health ris to the insured. For this to e considered a medical necessity 3 Existing disease s disclosed y the insured and mentioned in the policy schedule ased on insured s consent for propose such revision and may e allo ed su ect to ompany s approval and payment of appropriate premium.
reasons upto the sum insured of s.10 00 000 . Expenses related to the treatment of the follo ing listed onditions surgeries treatments shall e excluded it must e certified y the attending edical ractitioner. specified codes - Code cl 3
µ ree ook Period he Free oo eriod shall e applica le on ne individual health insurance policies and not on
or he sum insured for this cover is separately indicated in schedule of enefits. over is availa le for one insured person until the expiry of 24 months of continuous coverage after the date of inception of the first policy ith us. his Ha ardous or d enture sports - Code cl Expenses related to any treatment necessitated due to participation pplicable for ection rene als or at the time of porting migrating the policy.
ii. for transportation of the insured person y private am ulance service from one hospital to another hospital for etter opted y the proposer exclusion shall not e applica le for claims arising due to an accident as a professional in ha ardous or adventure sports including ut not limited to para umping roc clim ing ny claim relating to events occurring efore the commencement of the cover or other ise outside the eriod of he insured person shall e allo ed free loo period of fifteen days from date of receipt of the policy document to revie
medical treatment
. n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase mountaineering rafting motor racing horse racing or scu a diving hand gliding s y diving deep sea diving. nsurance - Code ec cl the terms and conditions of the policy and to return the same if not accepta le.
or
pecial eatures . f any of the specified disease procedure falls under the aiting period specified for pre existing diseases reach of law - Code cl Expenses for treatment directly arising from or conse uent upon any nsured ny in uries conditions hich are re existing conditions - Code ec cl lf the insured has not made any claim during the Free oo eriod the insured shall e entitled to
iii. for transportation of the insured person from the hospital here treatment is ta en to their place of residence provided
the re uirement of an am ulance to the residence is certified y the medical practitioner then the longer of the t o aiting periods shall apply erson committing or attempting to commit a reach of la ith criminal intent. i. a refund of the premium paid less any expenses incurred y the ompany on medical examination of the insured
Ø tar ellness Pro ram ection his program intends to promote incentivi e and to re ard the nsured ersons 3 ny claim arising out of ccidents that the nsured erson has caused - Code ec cl 3
E. ir mbulance e penses up to s.2 50 000 per hospitali ation not exceeding s.5 00 000 per policy period healthy life style through various ellness activities. he ellness activities as detailed in the e site are designed to help . he aiting period for listed conditions shall apply even if contracted after the policy or declared and accepted cluded Pro iders - Code cl Expenses incurred to ards treatment in any hospital or y any edical i. intentionally or person and the stamp duty charges or
the nsured person to earn ellness re ard points hich ill e trac ed and monitored y the ompany. he ellness points ithout a specific exclusion ractitioner or any other provider specifically excluded y the nsurer and disclosed in its e site notified to the ii. here the ris has already commenced and the option of return of the policy is exercised y the insured person a
F. Pre-Hospitali ation medical expenses incurred for a period not exceeding 60 days prior to the date of hospitali ation ii. y committing a crime involved in it or
earned y the nsured erson s under the ellness program can e utili ed to get discount in premium. E. f the nsured erson is continuously covered ithout any rea as defined under the applica le norms on policyholders are not admissi le. o ever in case of life threatening situations or follo ing an accident expenses deduction to ards the proportionate ris premium for period of cover or
. Post Hospitali ation medical expenses incurred for a period up to 90 days from the date of discharge from the hospital porta ility stipulated y then aiting period for the same ould e reduced to the extent of prior coverage iii. as a result of in a state of drun enness or addiction drugs alcohol
he follo ing ta le sho s the discount on premium availa le under the ellness rogram up to the stage of sta ili ation are paya le ut not the complete claim. iii. here only a part of the insurance coverage has commenced such proportionate premium commensurate ith the
. utpatient edical Consultation Expenses on edical onsultations as an ut atient incurred in a et or ed Facility F. ist of specific diseases procedures nsured erson engaging in ir ravel unless he she flies as a fare paying passenger on an aircraft properly
reatment for lcoholism drug or su stance a use or any addictive condition and conse uences thereof - Code cl insurance coverage during such period
for other than ental and phthalmic treatments up to the limits mentioned in the schedule of enefits ith a limit of s.300 ellness Points arned iscount in Premium licensed to carry passengers. For the purpose of this exclusion ir ravel means eing in or on or oarding an
per consultation. his enefit ill not reduce the sum insured i. reatment of ataract and diseases of the anterior and posterior cham er of the Eye iseases of E
3 reatments received in health hydros nature cure clinics spas or similar esta lishments or private eds registered aircraft for the purpose of flying therein or alighting there from - Code ec cl µ isclosure to information norms he policy shall ecome void and all premium paid thereon shall e forfeited to the
200 to 350 2% iseases related to hyroid enign diseases of the reast
ote ayment of any claim under utpatient edical onsultation shall not e construed as a aiver of ompany s right to as a nursing home attached to such esta lishments or here admission is arranged holly or partly for domestic ccidents that are results of ar and arli e occurrence or invasion acts of foreign enemies hostilities civil ar ompany in the event of mis representation mis description or non disclosure of any material fact y the policy holder.
repudiate any claim on grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under 351 to 600 5% ii. u cutaneous enign umps e aceous cyst ermoid cyst ucous cyst lip chee arpal unnel reasons - Code cl 3
yndrome rigger Finger ipoma eurofi roma Fi roadenoma anglion and similar pathology re ellion insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped µ Cancellation he policyholder may cancel this policy y giving 15 days ritten notice and in such an event the
hospitali ation provisions of the policy contract. 601 to 750 7% ietary supplements and su stances that can e purchased ithout prescription including ut not limited to
iii. ll treatments onservative perative treatment and all types of intervention for iseases related to po er sei ure capture arrest restraints detainments of all ings princes and people of hatever nation condition or ompany shall refund premium for the unexpired policy period as detailed elo
. omiciliary hospitali ation overage for medical treatment including U for a period exceeding three days for an 751 to 1000 10% itamins minerals and organic su stances unless prescri ed y a medical practitioner as part of hospitali ation uality hatsoever - Code ec cl
illness disease in ury hich in the normal course ould re uire care and treatment at a ospital ut on the advice of the endon igament Fascia ones and oint ncluding rthroscopy and rthroplasty oint Cancellation table applicable for Policy Term Year without instalment option
claim or day care procedure - Code cl
attending edical ractitioner is ta en hilst confined at home under any of the follo ing circumstances For more information lease visit our e site .starhealth.in eplacement other than caused y accident articipation in riots confiscation or nationali ation or re uisition of or destruction of or damage to property y or
Refracti e rror - Code cl Expenses related to the treatment for correction of eye sight due to refractive under the order of any government or local authority - Code ec cl Period on risk Rate of premium to be retained
i. he condition of the patient is such that he she is not in a condition to e removed to a ospital or Ø uy ack Pre- istin isease ection he prospect has the option to opt for reduction of aiting period in respect of iv. ll types of treatment for egenerative disc and erte ral diseases including eplacement of ones
and oints and egenerative diseases of the usculo s eletal system rolapse of nterverte ral isc error less than 7. 5 dioptres Up to one month 22.5% of the policy premium
ii. he patient ta es treatment at home on account of non availa ility of room in a hospital re Existing iseases from 36 months to12 months on payment of additional premium. his option is availa le only if the first ny claim resulting or arising from or any conse uential loss directly or indirectly caused y or contri uted to or
purchase of an indemnity insurance policy is a tar omprehensive nsurance olicy and also only upto um nsured chosen other than caused y accident npro en Treatments - Code cl Expenses related to any unproven treatment services and supplies for or arising from - Code ec cl Exceeding one month up to 3 months 37.5% of the policy premium
o ever this enefit shall not cover sthma ronchitis hronic ephritis and ephritic yndrome iarrhoea and all types
of ysenteries including astro enteritis ia etes ellitus and nsipidus Epilepsy ypertension nfluen a ough and at that time. his option is not availa le for rene al or policies ported from other nsurance ompanies. he prospect has to v. ll treatments conservative interventional laparoscopic and open related to epato pancreato in connection ith any treatment. Unproven treatments are treatments procedures or supplies that lac significant a oni ing radiation or contamination y radioactivity from any nuclear fuel or from any nuclear aste from the Exceeding 3 months up to 6 months 57.5% of the policy premium
old all sychiatric or sychosomatic isorders yrexia of un no n origin for less than 10 days onsillitis and Upper undergo pre acceptance medical screening at ompany s nominated centre. t present 100% of cost of the pre acceptance iliary diseases including all ladder and ancreatic calculi. ll types of management for idney and medical documentation to support their effectiveness. com ustion of nuclear fuel or from any nuclear aste from com ustion including any self sustaining process Exceeding 6 months up to 9 months 80% of the policy premium
espiratory ract infection including aryngitis and haringitis rthritis out and heumatism. medical screening ill e orne y the ompany. he ompany may re uire the prospect to share this cost maximum 50% . enitourinary tract calculi terility and nfertility - Code cl Expenses related to sterility and infertility. his includes of nuclear fission of nuclear fuel Exceeding 9 months Full of the policy premium

1 2 3 4 5 6

735.00 mm
 127.50 mm 127.50 mm 120.00 mm 120.00 mm 120.00 mm 120.00 mm

µ eli ery and ew orn ection µ Co era e for odern Treatments ection 3 Expenses are su ect to the limits. vi. ll types of ernia a. ny type of contraception sterili ation uclear eapons material
. Expenses incurred as in patient for elivery including elivery y aesarean section For details please refer e site .starhealth.in vii. esmoid umor Um ilical ranuloma Um ilical inus Um ilical Fistula . ssisted eproduction services including artificial insemination and advanced reproductive technologies c he radioactive toxic explosive or other ha ardous properties of any explosive nuclear assem ly or nuclear
. reatment of the e orn viii. ll treatments conservative interventional laparoscopic and open related to all iseases of ervix such as F F F component thereof
µ utomatic Restoration of um nsured pplicable for ection nly here shall e automatic restoration of the
. accination expenses for the ne orn a y are paya le up to the limits mentioned in the schedule of enefits until the ne Uterus Fallopian tu es varies Uterine leeding elvic nflammatory iseases c. estational urrogacy d uclear chemical and iological terrorism
asic um nsured y 100% immediately upon exhaustion of the asic um nsured and accrued umulative onus if
orn a y completes one year of age and is added in the policy on rene al. laim under this is admissi le only if claim under ix. ll iseases of rostate tricture Urethra all structive Uropathies d. eversal of sterili ation ny claim arising out of sporting activities in so far as they involve the training or participation in competitions of
any once during the policy period.
of ection 2 a ove has een admitted and hile the policy is in force x. enign umours of Epididymis permatocele aricocele ydrocele professional or semi professional sports persons - Code ec cl
t is made clear that such restored um nsured can e utili ed for the su se uent hospitali ation even for the illness disease aternity - Code cl
overage under this section is su ect to a aiting period of 24months and paya le only hile the policy is in force.
for hich claim s as ere already made. xi. Fistula Fissure in no emorrhoids ilonidal inus and Fistula ectal rolapse tress ncontinence a. edical treatment expenses tracea le to child irth including complicated deliveries and caesarean sections articipation in a ardous port a ardous ctivities - Code ec cl
µ ut-patient ental and phthalmic Treatment ection 3 Expenses incurred on acute treatment to a natural tooth or teeth or xii. aricose veins and aricose ulcers incurred during hospitali ation except ectopic pregnancy and to the extent covered under ection 2 ersons ho are physically challenge unless specifically agreed and endorsed in the policy - Code ec cl
Eye are paya le once in every loc of 3 years of continuous coverage. uch restoration ill e availa le for section 1 other than ection 1 . his enefit is not availa le for odern reatments.
nique dentification o H H P xiii. ll types of transplant and related surgeries ther than one arro ransplant for acute hematological . Expenses to ards miscarriage unless due to an accident and la ful medical termination of pregnancy ny loss arising out of the nsured erson s actual or attempted commission of or illful participation in an illegal act
he treatment can e ta en as an utpatient. For limits please refer schedule of enefits. his is in addition to sum insured. µ Cumulati e onus pplicable for ection other than H ection ection ection ection and malignancies and acute medical emergencies hen indicated during the policy period or any violation or attempted violation of the la - Code ec cl
hen health issues can t e predicted health insurance is the est option availa le to overcome the heavy financial loss that occurs in ote ayment of any claim under this section shall not e construed as a aiver of ompany s right to repudiate any claim on ection 3 here the sum insured under the policy is s.5 00 000 the insured person ould e entitled to the enefit
the form of hospitali ation and medical expenses. xiv. ongenital nternal disease defect ircumcision unless necessary for treatment of a disease not excluded under this policy or necessitated due to an ny payment in case of more than one claim under the policy during the period of insurance y hich the maximum
grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under hospitali ation provisions of of umulative onus calculated at 50% of the asic sum insured under this policy follo ing after every claim free year up
the policy contract. 3 3 -day waitin period - Code cl 3 accident reputioplasty Frenuloplasty reputial ilatation and emoval of E - Code cl lia ility of the ompany in that period ould exceed the amount specified in the chedule - Code ec cl
he right decision of purchasing a health insurance policy should complement the ise move of pic ing the right one. recise to say to a maximum of 100%.
having a policy that offers complete protection is more essential than ust having a health insurance cover. . Expenses related to the treatment of any illness ithin 30 days from the first policy commencement date shall ongenital External ondition efects nomalies except to the extent provided under ection 2 for e orn - 3 ny other claim after a claim has een admitted y the ompany and ecomes paya le for eath or ermanent
µ r an onor penses ection n patient hospitali ation expenses incurred for organ transplantation from the onor to the here the sum insured under the policy is s.7 50 000 or a ove the insured person ould e entitled to the enefit of
Code cl
resenting omprehensive nsurance olicy ith rene ed features. his policy is carefully crafted to offer complete protection e excluded except claims arising due to an accident provided the same are covered otal isa lement as mentioned n a le - Code ec cl 3
ecipient nsured erson are paya le provided the claim for transplantation is paya le. n addition the expenses incurred y the umulative onus calculated at 100% of the asic sum insured under this policy follo ing a claim free year. he
against all health care eventualities for an entire family on individual and floater asis. onor if any for the complications that necessitate a edo urgery U admission ill e covered. maximum enefit of onus is 100% of the asic sum insured. . his exclusion shall not ho ever apply if the nsured erson has continuous coverage for more than t elve months onvalescence general de ility run do n condition utritional deficiency states - Code cl ny claim arising out of an accident related to pregnancy or child irth infirmity hether directly or indirectly -
µ li ibility he coverage limit under this section is over and a ove the imit of overage and up to the asic um nsured. his additional . he ithin referred aiting period is made applica le to the enhanced sum insured in the event of granting ntentional self in ury - Code cl Code ec cl
pecial Conditions for Cumulati e onus
Ø Entry age et een 3 months and 65 years um nsured can e utili ed y the onor and not y the nsured. higher sum insured su se uently ny claim for eath or ermanent otal isa lement of the nsured erson from self endangerment unless in self
1. he umulative onus ill e calculated on the expiring asic um nsured or on the rene ed asic um nsured 3 enereal isease and exually ransmitted iseases ther than - Code cl 3
Ø ifelong rene als guaranteed hichever is less n esti ation aluation - Code- cl defense or to save human life - Code ec cl
µ Hospital Cash enefit ection n ury disease directly or indirectly caused y or arising from or attri uta le to ar invasion act of foreign enemy
Ø o exit age Ø aya le for each completed day of ospitalisation up to 7 days per occurrence and maximum of 120 days during the entire 2. f the insured opts to reduce the asic um nsured at the su se uent rene al the limit of indemnity y ay of such . Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded arli e operations hether ar e declared or not - Code cl µ oratorium Period fter completion of eight continuous years under the policy no loo ac to e applied. his period of
Ø olicy ype ndividual Floater Family i e aximum 2 dults 3 ependent hildren policy period umulative onus shall not exceed such reduced asic sum insured . ny diagnostic expenses hich are not related or not incidental to the current diagnosis and treatment are excluded eight years is called as moratorium period. he moratorium ould e applica le for the sums insured of the first policy and
n ury or disease directly or indirectly caused y or contri uted to y nuclear eapons materials - Code cl
Ø ependent children those ho are economically dependent on their parents can e covered upto 25 years of age Ø his enefit is su ect to an excess of first 24 hours of ospitali ation for each and every claim. laims under this section ill 3 n the e ent of a claim resultin in Rest Cure rehabilitation and respite care - Code cl Expenses related to any admission primarily for su se uently completion of 8 continuous years ould e applica le from date of enhancement of sums insured only on
not reduce the um nsured Expenses incurred on Enhanced External ounter ulsation herapy and related therapies helation therapy the enhanced limits. fter the expiry of oratorium eriod no health insurance claim shall e contesta le except for
µ um nsured ptions s.5 00 000 s.7 50 000 s.10 00 000 s.15 00 000 s.20 00 000 s.25 00 000 s.50 00 000 i. artial utili ation of asic um nsured such cumulative onus so granted ill e reduced at the same rate at enforced ed rest and not for receiving treatment. his also includes
s.75 00 000 s.1 00 00 000. yper aric xygen herapy otational Field uantum agnetic esonance herapy o level laser proven fraud and permanent exclusions specified in the policy contract. he policies ould ho ever e su ect to all
µ Health Check p ection his enefit is paya lefor every claim free year up to the limits mentioned in the schedule of enefits. hich it has accrued 1. ustodial care either at home or in a nursing facility for personal care such as help ith activities of daily living
therapy hotodynamic therapy - Code cl limits su limits co payments deducti les as per the policy contract.
µ Policy Term 1 year 2 year 3 year . For policies more than one year the asic um nsured is for each year ithout any carry ii. Full utili ation of asic um nsured and nil utili ation of cumulative onus accrued such cumulative onus so such as athing dressing moving around either y s illed nurses or assistant or non s illed persons
µ ariatric ur ery ection Unconventional Untested Experimental therapies - Code cl
over enefit thereof. granted ill e reduced at the same rate at hich it has accrued 2. ny services for people ho are terminally ill to address physical social emotional and spiritual needs µ Co-Payment his policy is su ect to o payment of 10% of each and every claim amount for fresh as ell as rene al
a he expenses incurred on hospitali ation for ariatric surgical procedure and its complications thereof are paya le upto the utologous derived tromal vascular fraction hondrocyte mplantation rocedures using latelet ich plasma
µ nstalment acility a ailable remium can e paid uarterly and alf yearly. remium can also e paid nnually iennial limits mentioned in the schedule of enefits during the policy period iii. Full utili ation of asic um nsured and partial utili ation of cumulative onus accrued the cumulative onus besity ei ht Control - Code cl Expenses related to the surgical treatment of o esity that does not fulfill policies for insured persons hose age at the time of entry is 61years and a ove. his co payment ill not apply for those
nce in 2 years and riennial nce in 3 years . granted on rene al ill e the alance cumulative onus availa le and ill e reduced at the same rate at all the elo conditions and ntra articular in ection therapy - Code cl insured persons ho have entered the policy efore attaining 61 years of age and rene the policy continuously ithout any
his maximum limit of s.2 50 000 and s.5 00 000 are inclusive of pre hospitali ation and post hospitali ation expenses
Quarterly - 3 Half Yearly - ill e applica le on the annual premium hich it has accrued . urgery to e conducted is upon the advice of the octor iologicals except hen administered as an in patient hen clinically indicated and hospitali ation arranted - rea . his co payment is applica le for ection 1 to 1 1 ection 4 ection 7 ection 9 ection 12 and ection 13.
c he limit of cover for ariatric urgery forms part of sum insured under ection 1
µ Pre-acceptance medical screenin o re acceptance medical screening. iv. Full utili ation of asic um nsured and full utili ation of cumulative onus accrued the cumulative onus . he surgery rocedure conducted should e supported y clinical protocols Code cl
d overage under this section is su ect to a aiting period of 36 months and paya le only hile the policy is in force µ Renewal he policy shall ordinarily e rene a le except on grounds of fraud misrepresentation y the nsured erson
granted on rene al ill e nil or ero . he mem er has to e 18 years of age or older and 3 ll treatment for riapism and erectile dysfunctions - Code cl 3 1. he ompany shall endeavor to give notice for rene al. o ever the ompany is not under o ligation to give any
µ ay Care Procedures ll ay are rocedures are covered. µ ption for econd edical pinion ection he nsured erson is given the facility of o taining a econd edical pinion
210.00 mm

µ idterm inclusion of ne ly married edded spouse and e orn a y is permissi le on paying additional premium. he from a octor in the ompany s net or of edical ractitioners. µ clusions . ody ass ndex 3 noculation or accination except for post ite treatment and for medical treatment for therapeutic reasons - Code cl 3 notice for rene al
intimation a out the marriage ne orn should e given ithin 60 days from the date of marriage or ne orn. he cover ill e o utili ed this enefit all medical records should e for arded to the mail id e medicalopinion starhealth.in. he ompany shall not e lia le to ma e any payments under this policy in respect of any expenses hat so ever 1. greater than or e ual to 40 or 3 ental treatment or surgery in excess of hat is specifically provided unless necessitated due to accidental 2. ene al shall not e denied on the ground that the insured person had made a claim or claims in the preceding policy years
from the date of payment of premium. incurred y the insured person in connection ith or in respect of 2. greater than or e ual to 35 in con unction ith any of the follo ing severe co mor idities follo ing failure in uries and re uiring hospitali ation - Code cl 3 3. e uest for rene al along ith re uisite premium shall e received y the ompany efore the end of the policy period
µ Y H Treatment ection n patient hospitali ation expenses incurred on treatment under yurveda Unani idha and
µ Co era e ection Pre- istin iseases - Code cl of less invasive methods of eight loss 33 edical and or surgical treatment of leep apnea treatment for endocrine disorders - Code cl 33 4. t the end of the policy period the policy shall terminate and can e rene ed ithin the race eriod of 30 days to
omeopathy systems of medicines in a overnment ospital or in any institute recogni ed y the government and or accredited
. Hospitalisation co er oom rivate ingle room oarding and ursing Expenses . Expenses related to the treatment of a pre existing isease E and its direct complications shall e excluded a. esity related cardiomyopathy maintain continuity of enefits ithout rea in policy
y the uality ouncil of ndia ational ccreditation oard on ealth as in patient is paya le up to the limits mentioned in the 3 ospital registration charges admission charges record charges telephone charges and such other charges -
ote Hospitali ation penses which ary based on the room rent occupied by the insured person will be considered chedule of enefits. until the expiry of 36 months of continuous coverage after the date of inception of the first policy ith insurer . oronary heart disease Code cl 3 5. overage is not availa le during the grace period
in proportion to the room rent limit room cate ory stated in the policy schedule or actuals whiche er is less ote . n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase. c. evere leep pnea 6. o loading shall apply on rene als ased on individual claims experience
3 ochlear implants and procedure related hospitali ation expenses. ost of spectacles and contact lens in excess of
. urgeon nesthetist edical ractitioner onsultants pecialist Fees 1 ayment under this enefit forms part of the sum insured and also ill impact the onus . f the nsured erson is continuously covered ithout any rea as defined under the porta ility norms of the d. Uncontrolled ype2 ia etes hat is specifically provided hearing aids al ers and crutches heel chairs ontinuous
. nesthesia lood xygen peration heatre charges U charges urgical ppliances edicines and rugs 2 oga and aturopathy systems of treatment are excluded from the scope of coverage under U treatment extant ealth nsurance egulations then aiting period for the same ould e reduced to the extent µ Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he ompany ith prior approval of
Chan e-of- ender treatments - Code cl Expenses related to any treatment including surgical management m ulatory eritoneal ialysis infusion pump and such other similar aids - Code cl 3
iagnostic aterials and ray diagnostic imaging modalities ialysis hemotherapy adiotherapy cost of acema er of prior coverage l l may revise or modify the terms of the policy including the premium rates. he insured person shall e notified three
µ ccidental eath and Permanent Total isablement ection to change characteristics of the ody to those of the opposite sex. 3 ny hospitali ations hich are not edically ecessary does not arrant ospitali ation - Code cl 3 months efore the changes are effected.
. Road ambulance e penses u ect to an admissi le hospitali ation claim road am ulance expenses incurred for the 1. ccidental eath . overage under the policy after the expiry of 36 months for any pre existing disease is su ect to the same Cosmetic or plastic ur ery - Code cl Expenses for cosmetic or plastic surgery or any treatment to change
follo ing are paya le eing declared at the time of application and accepted y nsurer 3 ther Excluded Expenses as detailed in the e site .starhealth.in - Code cl 3 µ Re ision in um nsured ny revision in sum insured is permissi le only at the time of rene al. he nsured erson can
2. ermanent otal isa ility follo ing an accident appearance unless for reconstruction follo ing an ccident urn s or ancer or as part of medically necessary
i. for transportation of the insured person y private am ulance service to go to hospital hen this is needed for medical 3. ependent children and persons a ove 70 years can e covered under accidental death and permanent total disa lement pecified disease procedure waitin period - Code cl treatment to remove a direct and immediate health ris to the insured. For this to e considered a medical necessity 3 Existing disease s disclosed y the insured and mentioned in the policy schedule ased on insured s consent for propose such revision and may e allo ed su ect to ompany s approval and payment of appropriate premium.
reasons upto the sum insured of s.10 00 000 . Expenses related to the treatment of the follo ing listed onditions surgeries treatments shall e excluded it must e certified y the attending edical ractitioner. specified codes - Code cl 3
µ ree ook Period he Free oo eriod shall e applica le on ne individual health insurance policies and not on
or he sum insured for this cover is separately indicated in schedule of enefits. over is availa le for one insured person until the expiry of 24 months of continuous coverage after the date of inception of the first policy ith us. his Ha ardous or d enture sports - Code cl Expenses related to any treatment necessitated due to participation pplicable for ection rene als or at the time of porting migrating the policy.
ii. for transportation of the insured person y private am ulance service from one hospital to another hospital for etter opted y the proposer exclusion shall not e applica le for claims arising due to an accident as a professional in ha ardous or adventure sports including ut not limited to para umping roc clim ing ny claim relating to events occurring efore the commencement of the cover or other ise outside the eriod of he insured person shall e allo ed free loo period of fifteen days from date of receipt of the policy document to revie
medical treatment
. n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase mountaineering rafting motor racing horse racing or scu a diving hand gliding s y diving deep sea diving. nsurance - Code ec cl the terms and conditions of the policy and to return the same if not accepta le.
or
pecial eatures . f any of the specified disease procedure falls under the aiting period specified for pre existing diseases reach of law - Code cl Expenses for treatment directly arising from or conse uent upon any nsured ny in uries conditions hich are re existing conditions - Code ec cl lf the insured has not made any claim during the Free oo eriod the insured shall e entitled to
iii. for transportation of the insured person from the hospital here treatment is ta en to their place of residence provided
the re uirement of an am ulance to the residence is certified y the medical practitioner then the longer of the t o aiting periods shall apply erson committing or attempting to commit a reach of la ith criminal intent. i. a refund of the premium paid less any expenses incurred y the ompany on medical examination of the insured
Ø tar ellness Pro ram ection his program intends to promote incentivi e and to re ard the nsured ersons 3 ny claim arising out of ccidents that the nsured erson has caused - Code ec cl 3
E. ir mbulance e penses up to s.2 50 000 per hospitali ation not exceeding s.5 00 000 per policy period healthy life style through various ellness activities. he ellness activities as detailed in the e site are designed to help . he aiting period for listed conditions shall apply even if contracted after the policy or declared and accepted cluded Pro iders - Code cl Expenses incurred to ards treatment in any hospital or y any edical i. intentionally or person and the stamp duty charges or
the nsured person to earn ellness re ard points hich ill e trac ed and monitored y the ompany. he ellness points ithout a specific exclusion ractitioner or any other provider specifically excluded y the nsurer and disclosed in its e site notified to the ii. here the ris has already commenced and the option of return of the policy is exercised y the insured person a
F. Pre-Hospitali ation medical expenses incurred for a period not exceeding 60 days prior to the date of hospitali ation ii. y committing a crime involved in it or
earned y the nsured erson s under the ellness program can e utili ed to get discount in premium. E. f the nsured erson is continuously covered ithout any rea as defined under the applica le norms on policyholders are not admissi le. o ever in case of life threatening situations or follo ing an accident expenses deduction to ards the proportionate ris premium for period of cover or
. Post Hospitali ation medical expenses incurred for a period up to 90 days from the date of discharge from the hospital porta ility stipulated y then aiting period for the same ould e reduced to the extent of prior coverage iii. as a result of in a state of drun enness or addiction drugs alcohol
he follo ing ta le sho s the discount on premium availa le under the ellness rogram up to the stage of sta ili ation are paya le ut not the complete claim. iii. here only a part of the insurance coverage has commenced such proportionate premium commensurate ith the
. utpatient edical Consultation Expenses on edical onsultations as an ut atient incurred in a et or ed Facility F. ist of specific diseases procedures nsured erson engaging in ir ravel unless he she flies as a fare paying passenger on an aircraft properly
reatment for lcoholism drug or su stance a use or any addictive condition and conse uences thereof - Code cl insurance coverage during such period
for other than ental and phthalmic treatments up to the limits mentioned in the schedule of enefits ith a limit of s.300 ellness Points arned iscount in Premium licensed to carry passengers. For the purpose of this exclusion ir ravel means eing in or on or oarding an
per consultation. his enefit ill not reduce the sum insured i. reatment of ataract and diseases of the anterior and posterior cham er of the Eye iseases of E
3 reatments received in health hydros nature cure clinics spas or similar esta lishments or private eds registered aircraft for the purpose of flying therein or alighting there from - Code ec cl µ isclosure to information norms he policy shall ecome void and all premium paid thereon shall e forfeited to the
200 to 350 2% iseases related to hyroid enign diseases of the reast
ote ayment of any claim under utpatient edical onsultation shall not e construed as a aiver of ompany s right to as a nursing home attached to such esta lishments or here admission is arranged holly or partly for domestic ompany in the event of mis representation mis description or non disclosure of any material fact y the policy holder.
351 to 600 5% ii. u cutaneous enign umps e aceous cyst ermoid cyst ucous cyst lip chee arpal unnel ccidents that are results of ar and arli e occurrence or invasion acts of foreign enemies hostilities civil ar
repudiate any claim on grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under reasons - Code cl 3
yndrome rigger Finger ipoma eurofi roma Fi roadenoma anglion and similar pathology re ellion insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped µ Cancellation he policyholder may cancel this policy y giving 15 days ritten notice and in such an event the
hospitali ation provisions of the policy contract. 601 to 750 7% ietary supplements and su stances that can e purchased ithout prescription including ut not limited to
iii. ll treatments onservative perative treatment and all types of intervention for iseases related to po er sei ure capture arrest restraints detainments of all ings princes and people of hatever nation condition or ompany shall refund premium for the unexpired policy period as detailed elo
. omiciliary hospitali ation overage for medical treatment including U for a period exceeding three days for an 751 to 1000 10% itamins minerals and organic su stances unless prescri ed y a medical practitioner as part of hospitali ation uality hatsoever - Code ec cl
illness disease in ury hich in the normal course ould re uire care and treatment at a ospital ut on the advice of the endon igament Fascia ones and oint ncluding rthroscopy and rthroplasty oint Cancellation table applicable for Policy Term Year without instalment option
claim or day care procedure - Code cl
attending edical ractitioner is ta en hilst confined at home under any of the follo ing circumstances For more information lease visit our e site .starhealth.in eplacement other than caused y accident articipation in riots confiscation or nationali ation or re uisition of or destruction of or damage to property y or
Refracti e rror - Code cl Expenses related to the treatment for correction of eye sight due to refractive under the order of any government or local authority - Code ec cl Period on risk Rate of premium to be retained
i. he condition of the patient is such that he she is not in a condition to e removed to a ospital or Ø uy ack Pre- istin isease ection he prospect has the option to opt for reduction of aiting period in respect of iv. ll types of treatment for egenerative disc and erte ral diseases including eplacement of ones
and oints and egenerative diseases of the usculo s eletal system rolapse of nterverte ral isc error less than 7. 5 dioptres Up to one month 22.5% of the policy premium
ii. he patient ta es treatment at home on account of non availa ility of room in a hospital re Existing iseases from 36 months to12 months on payment of additional premium. his option is availa le only if the first ny claim resulting or arising from or any conse uential loss directly or indirectly caused y or contri uted to or
purchase of an indemnity insurance policy is a tar omprehensive nsurance olicy and also only upto um nsured chosen other than caused y accident npro en Treatments - Code cl Expenses related to any unproven treatment services and supplies for or arising from - Code ec cl Exceeding one month up to 3 months 37.5% of the policy premium
o ever this enefit shall not cover sthma ronchitis hronic ephritis and ephritic yndrome iarrhoea and all types
of ysenteries including astro enteritis ia etes ellitus and nsipidus Epilepsy ypertension nfluen a ough and at that time. his option is not availa le for rene al or policies ported from other nsurance ompanies. he prospect has to v. ll treatments conservative interventional laparoscopic and open related to epato pancreato in connection ith any treatment. Unproven treatments are treatments procedures or supplies that lac significant a oni ing radiation or contamination y radioactivity from any nuclear fuel or from any nuclear aste from the Exceeding 3 months up to 6 months 57.5% of the policy premium
old all sychiatric or sychosomatic isorders yrexia of un no n origin for less than 10 days onsillitis and Upper undergo pre acceptance medical screening at ompany s nominated centre. t present 100% of cost of the pre acceptance iliary diseases including all ladder and ancreatic calculi. ll types of management for idney and medical documentation to support their effectiveness. com ustion of nuclear fuel or from any nuclear aste from com ustion including any self sustaining process Exceeding 6 months up to 9 months 80% of the policy premium
espiratory ract infection including aryngitis and haringitis rthritis out and heumatism. medical screening ill e orne y the ompany. he ompany may re uire the prospect to share this cost maximum 50% . enitourinary tract calculi terility and nfertility - Code cl Expenses related to sterility and infertility. his includes of nuclear fission of nuclear fuel Exceeding 9 months Full of the policy premium

1 2 3 4 5 6

735.00 mm
 127.50 mm 127.50 mm 120.00 mm 120.00 mm 120.00 mm 120.00 mm

µ eli ery and ew orn ection µ Co era e for odern Treatments ection 3 Expenses are su ect to the limits. vi. ll types of ernia a. ny type of contraception sterili ation uclear eapons material
. Expenses incurred as in patient for elivery including elivery y aesarean section For details please refer e site .starhealth.in vii. esmoid umor Um ilical ranuloma Um ilical inus Um ilical Fistula . ssisted eproduction services including artificial insemination and advanced reproductive technologies c he radioactive toxic explosive or other ha ardous properties of any explosive nuclear assem ly or nuclear
. reatment of the e orn viii. ll treatments conservative interventional laparoscopic and open related to all iseases of ervix such as F F F component thereof
µ utomatic Restoration of um nsured pplicable for ection nly here shall e automatic restoration of the
. accination expenses for the ne orn a y are paya le up to the limits mentioned in the schedule of enefits until the ne Uterus Fallopian tu es varies Uterine leeding elvic nflammatory iseases c. estational urrogacy d uclear chemical and iological terrorism
asic um nsured y 100% immediately upon exhaustion of the asic um nsured and accrued umulative onus if
orn a y completes one year of age and is added in the policy on rene al. laim under this is admissi le only if claim under ix. ll iseases of rostate tricture Urethra all structive Uropathies d. eversal of sterili ation ny claim arising out of sporting activities in so far as they involve the training or participation in competitions of
any once during the policy period.
of ection 2 a ove has een admitted and hile the policy is in force x. enign umours of Epididymis permatocele aricocele ydrocele professional or semi professional sports persons - Code ec cl
t is made clear that such restored um nsured can e utili ed for the su se uent hospitali ation even for the illness disease aternity - Code cl
overage under this section is su ect to a aiting period of 24months and paya le only hile the policy is in force.
for hich claim s as ere already made. xi. Fistula Fissure in no emorrhoids ilonidal inus and Fistula ectal rolapse tress ncontinence a. edical treatment expenses tracea le to child irth including complicated deliveries and caesarean sections articipation in a ardous port a ardous ctivities - Code ec cl
µ ut-patient ental and phthalmic Treatment ection 3 Expenses incurred on acute treatment to a natural tooth or teeth or xii. aricose veins and aricose ulcers incurred during hospitali ation except ectopic pregnancy and to the extent covered under ection 2 ersons ho are physically challenge unless specifically agreed and endorsed in the policy - Code ec cl
Eye are paya le once in every loc of 3 years of continuous coverage. uch restoration ill e availa le for section 1 other than ection 1 . his enefit is not availa le for odern reatments.
nique dentification o H H P xiii. ll types of transplant and related surgeries ther than one arro ransplant for acute hematological . Expenses to ards miscarriage unless due to an accident and la ful medical termination of pregnancy ny loss arising out of the nsured erson s actual or attempted commission of or illful participation in an illegal act
he treatment can e ta en as an utpatient. For limits please refer schedule of enefits. his is in addition to sum insured. µ Cumulati e onus pplicable for ection other than H ection ection ection ection and malignancies and acute medical emergencies hen indicated during the policy period or any violation or attempted violation of the la - Code ec cl
hen health issues can t e predicted health insurance is the est option availa le to overcome the heavy financial loss that occurs in ote ayment of any claim under this section shall not e construed as a aiver of ompany s right to repudiate any claim on ection 3 here the sum insured under the policy is s.5 00 000 the insured person ould e entitled to the enefit
the form of hospitali ation and medical expenses. xiv. ongenital nternal disease defect ircumcision unless necessary for treatment of a disease not excluded under this policy or necessitated due to an ny payment in case of more than one claim under the policy during the period of insurance y hich the maximum
grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under hospitali ation provisions of of umulative onus calculated at 50% of the asic sum insured under this policy follo ing after every claim free year up
the policy contract. 3 3 -day waitin period - Code cl 3 accident reputioplasty Frenuloplasty reputial ilatation and emoval of E - Code cl lia ility of the ompany in that period ould exceed the amount specified in the chedule - Code ec cl
he right decision of purchasing a health insurance policy should complement the ise move of pic ing the right one. recise to say to a maximum of 100%.
having a policy that offers complete protection is more essential than ust having a health insurance cover. . Expenses related to the treatment of any illness ithin 30 days from the first policy commencement date shall ongenital External ondition efects nomalies except to the extent provided under ection 2 for e orn - 3 ny other claim after a claim has een admitted y the ompany and ecomes paya le for eath or ermanent
µ r an onor penses ection n patient hospitali ation expenses incurred for organ transplantation from the onor to the here the sum insured under the policy is s.7 50 000 or a ove the insured person ould e entitled to the enefit of
Code cl
resenting omprehensive nsurance olicy ith rene ed features. his policy is carefully crafted to offer complete protection e excluded except claims arising due to an accident provided the same are covered otal isa lement as mentioned n a le - Code ec cl 3
ecipient nsured erson are paya le provided the claim for transplantation is paya le. n addition the expenses incurred y the umulative onus calculated at 100% of the asic sum insured under this policy follo ing a claim free year. he
against all health care eventualities for an entire family on individual and floater asis. onor if any for the complications that necessitate a edo urgery U admission ill e covered. maximum enefit of onus is 100% of the asic sum insured. . his exclusion shall not ho ever apply if the nsured erson has continuous coverage for more than t elve months onvalescence general de ility run do n condition utritional deficiency states - Code cl ny claim arising out of an accident related to pregnancy or child irth infirmity hether directly or indirectly -
µ li ibility he coverage limit under this section is over and a ove the imit of overage and up to the asic um nsured. his additional . he ithin referred aiting period is made applica le to the enhanced sum insured in the event of granting ntentional self in ury - Code cl Code ec cl
pecial Conditions for Cumulati e onus
Ø Entry age et een 3 months and 65 years um nsured can e utili ed y the onor and not y the nsured. higher sum insured su se uently ny claim for eath or ermanent otal isa lement of the nsured erson from self endangerment unless in self
1. he umulative onus ill e calculated on the expiring asic um nsured or on the rene ed asic um nsured 3 enereal isease and exually ransmitted iseases ther than - Code cl 3
Ø ifelong rene als guaranteed hichever is less n esti ation aluation - Code- cl defense or to save human life - Code ec cl
µ Hospital Cash enefit ection n ury disease directly or indirectly caused y or arising from or attri uta le to ar invasion act of foreign enemy
Ø o exit age Ø aya le for each completed day of ospitalisation up to 7 days per occurrence and maximum of 120 days during the entire 2. f the insured opts to reduce the asic um nsured at the su se uent rene al the limit of indemnity y ay of such . Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded arli e operations hether ar e declared or not - Code cl µ oratorium Period fter completion of eight continuous years under the policy no loo ac to e applied. his period of
Ø olicy ype ndividual Floater Family i e aximum 2 dults 3 ependent hildren policy period umulative onus shall not exceed such reduced asic sum insured . ny diagnostic expenses hich are not related or not incidental to the current diagnosis and treatment are excluded eight years is called as moratorium period. he moratorium ould e applica le for the sums insured of the first policy and
n ury or disease directly or indirectly caused y or contri uted to y nuclear eapons materials - Code cl
Ø ependent children those ho are economically dependent on their parents can e covered upto 25 years of age Ø his enefit is su ect to an excess of first 24 hours of ospitali ation for each and every claim. laims under this section ill 3 n the e ent of a claim resultin in Rest Cure rehabilitation and respite care - Code cl Expenses related to any admission primarily for su se uently completion of 8 continuous years ould e applica le from date of enhancement of sums insured only on
not reduce the um nsured Expenses incurred on Enhanced External ounter ulsation herapy and related therapies helation therapy the enhanced limits. fter the expiry of oratorium eriod no health insurance claim shall e contesta le except for
µ um nsured ptions s.5 00 000 s.7 50 000 s.10 00 000 s.15 00 000 s.20 00 000 s.25 00 000 s.50 00 000 i. artial utili ation of asic um nsured such cumulative onus so granted ill e reduced at the same rate at enforced ed rest and not for receiving treatment. his also includes
s.75 00 000 s.1 00 00 000. yper aric xygen herapy otational Field uantum agnetic esonance herapy o level laser proven fraud and permanent exclusions specified in the policy contract. he policies ould ho ever e su ect to all
µ Health Check p ection his enefit is paya lefor every claim free year up to the limits mentioned in the schedule of enefits. hich it has accrued 1. ustodial care either at home or in a nursing facility for personal care such as help ith activities of daily living
therapy hotodynamic therapy - Code cl limits su limits co payments deducti les as per the policy contract.
µ Policy Term 1 year 2 year 3 year . For policies more than one year the asic um nsured is for each year ithout any carry ii. Full utili ation of asic um nsured and nil utili ation of cumulative onus accrued such cumulative onus so such as athing dressing moving around either y s illed nurses or assistant or non s illed persons
µ ariatric ur ery ection Unconventional Untested Experimental therapies - Code cl
over enefit thereof. granted ill e reduced at the same rate at hich it has accrued 2. ny services for people ho are terminally ill to address physical social emotional and spiritual needs µ Co-Payment his policy is su ect to o payment of 10% of each and every claim amount for fresh as ell as rene al
a he expenses incurred on hospitali ation for ariatric surgical procedure and its complications thereof are paya le upto the utologous derived tromal vascular fraction hondrocyte mplantation rocedures using latelet ich plasma
µ nstalment acility a ailable remium can e paid uarterly and alf yearly. remium can also e paid nnually iennial limits mentioned in the schedule of enefits during the policy period iii. Full utili ation of asic um nsured and partial utili ation of cumulative onus accrued the cumulative onus besity ei ht Control - Code cl Expenses related to the surgical treatment of o esity that does not fulfill policies for insured persons hose age at the time of entry is 61years and a ove. his co payment ill not apply for those
nce in 2 years and riennial nce in 3 years . granted on rene al ill e the alance cumulative onus availa le and ill e reduced at the same rate at all the elo conditions and ntra articular in ection therapy - Code cl insured persons ho have entered the policy efore attaining 61 years of age and rene the policy continuously ithout any
his maximum limit of s.2 50 000 and s.5 00 000 are inclusive of pre hospitali ation and post hospitali ation expenses
Quarterly - 3 Half Yearly - ill e applica le on the annual premium hich it has accrued . urgery to e conducted is upon the advice of the octor iologicals except hen administered as an in patient hen clinically indicated and hospitali ation arranted - rea . his co payment is applica le for ection 1 to 1 1 ection 4 ection 7 ection 9 ection 12 and ection 13.
c he limit of cover for ariatric urgery forms part of sum insured under ection 1
µ Pre-acceptance medical screenin o re acceptance medical screening. iv. Full utili ation of asic um nsured and full utili ation of cumulative onus accrued the cumulative onus . he surgery rocedure conducted should e supported y clinical protocols Code cl
d overage under this section is su ect to a aiting period of 36 months and paya le only hile the policy is in force µ Renewal he policy shall ordinarily e rene a le except on grounds of fraud misrepresentation y the nsured erson
granted on rene al ill e nil or ero . he mem er has to e 18 years of age or older and 3 ll treatment for riapism and erectile dysfunctions - Code cl 3 1. he ompany shall endeavor to give notice for rene al. o ever the ompany is not under o ligation to give any
µ ay Care Procedures ll ay are rocedures are covered. µ ption for econd edical pinion ection he nsured erson is given the facility of o taining a econd edical pinion
210.00 mm

µ idterm inclusion of ne ly married edded spouse and e orn a y is permissi le on paying additional premium. he from a octor in the ompany s net or of edical ractitioners. µ clusions . ody ass ndex 3 noculation or accination except for post ite treatment and for medical treatment for therapeutic reasons - Code cl 3 notice for rene al
intimation a out the marriage ne orn should e given ithin 60 days from the date of marriage or ne orn. he cover ill e o utili ed this enefit all medical records should e for arded to the mail id e medicalopinion starhealth.in. he ompany shall not e lia le to ma e any payments under this policy in respect of any expenses hat so ever 1. greater than or e ual to 40 or 3 ental treatment or surgery in excess of hat is specifically provided unless necessitated due to accidental 2. ene al shall not e denied on the ground that the insured person had made a claim or claims in the preceding policy years
from the date of payment of premium. incurred y the insured person in connection ith or in respect of 2. greater than or e ual to 35 in con unction ith any of the follo ing severe co mor idities follo ing failure in uries and re uiring hospitali ation - Code cl 3 3. e uest for rene al along ith re uisite premium shall e received y the ompany efore the end of the policy period
µ Y H Treatment ection n patient hospitali ation expenses incurred on treatment under yurveda Unani idha and
µ Co era e ection Pre- istin iseases - Code cl of less invasive methods of eight loss 33 edical and or surgical treatment of leep apnea treatment for endocrine disorders - Code cl 33 4. t the end of the policy period the policy shall terminate and can e rene ed ithin the race eriod of 30 days to
omeopathy systems of medicines in a overnment ospital or in any institute recogni ed y the government and or accredited
. Hospitalisation co er oom rivate ingle room oarding and ursing Expenses . Expenses related to the treatment of a pre existing isease E and its direct complications shall e excluded a. esity related cardiomyopathy maintain continuity of enefits ithout rea in policy
y the uality ouncil of ndia ational ccreditation oard on ealth as in patient is paya le up to the limits mentioned in the 3 ospital registration charges admission charges record charges telephone charges and such other charges -
ote Hospitali ation penses which ary based on the room rent occupied by the insured person will be considered chedule of enefits. until the expiry of 36 months of continuous coverage after the date of inception of the first policy ith insurer . oronary heart disease Code cl 3 5. overage is not availa le during the grace period
in proportion to the room rent limit room cate ory stated in the policy schedule or actuals whiche er is less ote . n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase. c. evere leep pnea 6. o loading shall apply on rene als ased on individual claims experience
3 ochlear implants and procedure related hospitali ation expenses. ost of spectacles and contact lens in excess of
. urgeon nesthetist edical ractitioner onsultants pecialist Fees 1 ayment under this enefit forms part of the sum insured and also ill impact the onus . f the nsured erson is continuously covered ithout any rea as defined under the porta ility norms of the d. Uncontrolled ype2 ia etes hat is specifically provided hearing aids al ers and crutches heel chairs ontinuous
. nesthesia lood xygen peration heatre charges U charges urgical ppliances edicines and rugs 2 oga and aturopathy systems of treatment are excluded from the scope of coverage under U treatment extant ealth nsurance egulations then aiting period for the same ould e reduced to the extent µ Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he ompany ith prior approval of
Chan e-of- ender treatments - Code cl Expenses related to any treatment including surgical management m ulatory eritoneal ialysis infusion pump and such other similar aids - Code cl 3
iagnostic aterials and ray diagnostic imaging modalities ialysis hemotherapy adiotherapy cost of acema er of prior coverage l l may revise or modify the terms of the policy including the premium rates. he insured person shall e notified three
µ ccidental eath and Permanent Total isablement ection to change characteristics of the ody to those of the opposite sex. 3 ny hospitali ations hich are not edically ecessary does not arrant ospitali ation - Code cl 3 months efore the changes are effected.
. Road ambulance e penses u ect to an admissi le hospitali ation claim road am ulance expenses incurred for the 1. ccidental eath . overage under the policy after the expiry of 36 months for any pre existing disease is su ect to the same Cosmetic or plastic ur ery - Code cl Expenses for cosmetic or plastic surgery or any treatment to change
follo ing are paya le eing declared at the time of application and accepted y nsurer 3 ther Excluded Expenses as detailed in the e site .starhealth.in - Code cl 3 µ Re ision in um nsured ny revision in sum insured is permissi le only at the time of rene al. he nsured erson can
2. ermanent otal isa ility follo ing an accident appearance unless for reconstruction follo ing an ccident urn s or ancer or as part of medically necessary
i. for transportation of the insured person y private am ulance service to go to hospital hen this is needed for medical 3. ependent children and persons a ove 70 years can e covered under accidental death and permanent total disa lement pecified disease procedure waitin period - Code cl treatment to remove a direct and immediate health ris to the insured. For this to e considered a medical necessity 3 Existing disease s disclosed y the insured and mentioned in the policy schedule ased on insured s consent for propose such revision and may e allo ed su ect to ompany s approval and payment of appropriate premium.
reasons upto the sum insured of s.10 00 000 . Expenses related to the treatment of the follo ing listed onditions surgeries treatments shall e excluded it must e certified y the attending edical ractitioner. specified codes - Code cl 3
µ ree ook Period he Free oo eriod shall e applica le on ne individual health insurance policies and not on
or he sum insured for this cover is separately indicated in schedule of enefits. over is availa le for one insured person until the expiry of 24 months of continuous coverage after the date of inception of the first policy ith us. his Ha ardous or d enture sports - Code cl Expenses related to any treatment necessitated due to participation pplicable for ection rene als or at the time of porting migrating the policy.
ii. for transportation of the insured person y private am ulance service from one hospital to another hospital for etter opted y the proposer exclusion shall not e applica le for claims arising due to an accident as a professional in ha ardous or adventure sports including ut not limited to para umping roc clim ing ny claim relating to events occurring efore the commencement of the cover or other ise outside the eriod of he insured person shall e allo ed free loo period of fifteen days from date of receipt of the policy document to revie
medical treatment
. n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase mountaineering rafting motor racing horse racing or scu a diving hand gliding s y diving deep sea diving. nsurance - Code ec cl the terms and conditions of the policy and to return the same if not accepta le.
or
pecial eatures . f any of the specified disease procedure falls under the aiting period specified for pre existing diseases reach of law - Code cl Expenses for treatment directly arising from or conse uent upon any nsured ny in uries conditions hich are re existing conditions - Code ec cl lf the insured has not made any claim during the Free oo eriod the insured shall e entitled to
iii. for transportation of the insured person from the hospital here treatment is ta en to their place of residence provided
the re uirement of an am ulance to the residence is certified y the medical practitioner then the longer of the t o aiting periods shall apply erson committing or attempting to commit a reach of la ith criminal intent. i. a refund of the premium paid less any expenses incurred y the ompany on medical examination of the insured
Ø tar ellness Pro ram ection his program intends to promote incentivi e and to re ard the nsured ersons 3 ny claim arising out of ccidents that the nsured erson has caused - Code ec cl 3
E. ir mbulance e penses up to s.2 50 000 per hospitali ation not exceeding s.5 00 000 per policy period healthy life style through various ellness activities. he ellness activities as detailed in the e site are designed to help . he aiting period for listed conditions shall apply even if contracted after the policy or declared and accepted cluded Pro iders - Code cl Expenses incurred to ards treatment in any hospital or y any edical i. intentionally or person and the stamp duty charges or
the nsured person to earn ellness re ard points hich ill e trac ed and monitored y the ompany. he ellness points ithout a specific exclusion ractitioner or any other provider specifically excluded y the nsurer and disclosed in its e site notified to the ii. here the ris has already commenced and the option of return of the policy is exercised y the insured person a
F. Pre-Hospitali ation medical expenses incurred for a period not exceeding 60 days prior to the date of hospitali ation ii. y committing a crime involved in it or
earned y the nsured erson s under the ellness program can e utili ed to get discount in premium. E. f the nsured erson is continuously covered ithout any rea as defined under the applica le norms on policyholders are not admissi le. o ever in case of life threatening situations or follo ing an accident expenses deduction to ards the proportionate ris premium for period of cover or
. Post Hospitali ation medical expenses incurred for a period up to 90 days from the date of discharge from the hospital porta ility stipulated y then aiting period for the same ould e reduced to the extent of prior coverage iii. as a result of in a state of drun enness or addiction drugs alcohol
he follo ing ta le sho s the discount on premium availa le under the ellness rogram up to the stage of sta ili ation are paya le ut not the complete claim. iii. here only a part of the insurance coverage has commenced such proportionate premium commensurate ith the
. utpatient edical Consultation Expenses on edical onsultations as an ut atient incurred in a et or ed Facility F. ist of specific diseases procedures nsured erson engaging in ir ravel unless he she flies as a fare paying passenger on an aircraft properly
reatment for lcoholism drug or su stance a use or any addictive condition and conse uences thereof - Code cl insurance coverage during such period
for other than ental and phthalmic treatments up to the limits mentioned in the schedule of enefits ith a limit of s.300 ellness Points arned iscount in Premium licensed to carry passengers. For the purpose of this exclusion ir ravel means eing in or on or oarding an
per consultation. his enefit ill not reduce the sum insured i. reatment of ataract and diseases of the anterior and posterior cham er of the Eye iseases of E
3 reatments received in health hydros nature cure clinics spas or similar esta lishments or private eds registered aircraft for the purpose of flying therein or alighting there from - Code ec cl µ isclosure to information norms he policy shall ecome void and all premium paid thereon shall e forfeited to the
200 to 350 2% iseases related to hyroid enign diseases of the reast
ote ayment of any claim under utpatient edical onsultation shall not e construed as a aiver of ompany s right to as a nursing home attached to such esta lishments or here admission is arranged holly or partly for domestic ompany in the event of mis representation mis description or non disclosure of any material fact y the policy holder.
351 to 600 5% ii. u cutaneous enign umps e aceous cyst ermoid cyst ucous cyst lip chee arpal unnel ccidents that are results of ar and arli e occurrence or invasion acts of foreign enemies hostilities civil ar
repudiate any claim on grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under reasons - Code cl 3
yndrome rigger Finger ipoma eurofi roma Fi roadenoma anglion and similar pathology re ellion insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped µ Cancellation he policyholder may cancel this policy y giving 15 days ritten notice and in such an event the
hospitali ation provisions of the policy contract. 601 to 750 7% ietary supplements and su stances that can e purchased ithout prescription including ut not limited to
iii. ll treatments onservative perative treatment and all types of intervention for iseases related to po er sei ure capture arrest restraints detainments of all ings princes and people of hatever nation condition or ompany shall refund premium for the unexpired policy period as detailed elo
. omiciliary hospitali ation overage for medical treatment including U for a period exceeding three days for an 751 to 1000 10% itamins minerals and organic su stances unless prescri ed y a medical practitioner as part of hospitali ation uality hatsoever - Code ec cl
illness disease in ury hich in the normal course ould re uire care and treatment at a ospital ut on the advice of the endon igament Fascia ones and oint ncluding rthroscopy and rthroplasty oint Cancellation table applicable for Policy Term Year without instalment option
claim or day care procedure - Code cl
attending edical ractitioner is ta en hilst confined at home under any of the follo ing circumstances For more information lease visit our e site .starhealth.in eplacement other than caused y accident articipation in riots confiscation or nationali ation or re uisition of or destruction of or damage to property y or
Refracti e rror - Code cl Expenses related to the treatment for correction of eye sight due to refractive under the order of any government or local authority - Code ec cl Period on risk Rate of premium to be retained
i. he condition of the patient is such that he she is not in a condition to e removed to a ospital or Ø uy ack Pre- istin isease ection he prospect has the option to opt for reduction of aiting period in respect of iv. ll types of treatment for egenerative disc and erte ral diseases including eplacement of ones
and oints and egenerative diseases of the usculo s eletal system rolapse of nterverte ral isc error less than 7. 5 dioptres Up to one month 22.5% of the policy premium
ii. he patient ta es treatment at home on account of non availa ility of room in a hospital re Existing iseases from 36 months to12 months on payment of additional premium. his option is availa le only if the first ny claim resulting or arising from or any conse uential loss directly or indirectly caused y or contri uted to or
purchase of an indemnity insurance policy is a tar omprehensive nsurance olicy and also only upto um nsured chosen other than caused y accident npro en Treatments - Code cl Expenses related to any unproven treatment services and supplies for or arising from - Code ec cl Exceeding one month up to 3 months 37.5% of the policy premium
o ever this enefit shall not cover sthma ronchitis hronic ephritis and ephritic yndrome iarrhoea and all types
of ysenteries including astro enteritis ia etes ellitus and nsipidus Epilepsy ypertension nfluen a ough and at that time. his option is not availa le for rene al or policies ported from other nsurance ompanies. he prospect has to v. ll treatments conservative interventional laparoscopic and open related to epato pancreato in connection ith any treatment. Unproven treatments are treatments procedures or supplies that lac significant a oni ing radiation or contamination y radioactivity from any nuclear fuel or from any nuclear aste from the Exceeding 3 months up to 6 months 57.5% of the policy premium
old all sychiatric or sychosomatic isorders yrexia of un no n origin for less than 10 days onsillitis and Upper undergo pre acceptance medical screening at ompany s nominated centre. t present 100% of cost of the pre acceptance iliary diseases including all ladder and ancreatic calculi. ll types of management for idney and medical documentation to support their effectiveness. com ustion of nuclear fuel or from any nuclear aste from com ustion including any self sustaining process Exceeding 6 months up to 9 months 80% of the policy premium
espiratory ract infection including aryngitis and haringitis rthritis out and heumatism. medical screening ill e orne y the ompany. he ompany may re uire the prospect to share this cost maximum 50% . enitourinary tract calculi terility and nfertility - Code cl Expenses related to sterility and infertility. his includes of nuclear fission of nuclear fuel Exceeding 9 months Full of the policy premium

1 2 3 4 5 6

735.00 mm
 127.50 mm 127.50 mm 120.00 mm 120.00 mm 120.00 mm 120.00 mm

µ eli ery and ew orn ection µ Co era e for odern Treatments ection 3 Expenses are su ect to the limits. vi. ll types of ernia a. ny type of contraception sterili ation uclear eapons material
. Expenses incurred as in patient for elivery including elivery y aesarean section For details please refer e site .starhealth.in vii. esmoid umor Um ilical ranuloma Um ilical inus Um ilical Fistula . ssisted eproduction services including artificial insemination and advanced reproductive technologies c he radioactive toxic explosive or other ha ardous properties of any explosive nuclear assem ly or nuclear
. reatment of the e orn viii. ll treatments conservative interventional laparoscopic and open related to all iseases of ervix such as F F F component thereof
µ utomatic Restoration of um nsured pplicable for ection nly here shall e automatic restoration of the
. accination expenses for the ne orn a y are paya le up to the limits mentioned in the schedule of enefits until the ne Uterus Fallopian tu es varies Uterine leeding elvic nflammatory iseases c. estational urrogacy d uclear chemical and iological terrorism
asic um nsured y 100% immediately upon exhaustion of the asic um nsured and accrued umulative onus if
orn a y completes one year of age and is added in the policy on rene al. laim under this is admissi le only if claim under ix. ll iseases of rostate tricture Urethra all structive Uropathies d. eversal of sterili ation ny claim arising out of sporting activities in so far as they involve the training or participation in competitions of
any once during the policy period.
of ection 2 a ove has een admitted and hile the policy is in force x. enign umours of Epididymis permatocele aricocele ydrocele professional or semi professional sports persons - Code ec cl
t is made clear that such restored um nsured can e utili ed for the su se uent hospitali ation even for the illness disease aternity - Code cl
overage under this section is su ect to a aiting period of 24months and paya le only hile the policy is in force.
for hich claim s as ere already made. xi. Fistula Fissure in no emorrhoids ilonidal inus and Fistula ectal rolapse tress ncontinence a. edical treatment expenses tracea le to child irth including complicated deliveries and caesarean sections articipation in a ardous port a ardous ctivities - Code ec cl
µ ut-patient ental and phthalmic Treatment ection 3 Expenses incurred on acute treatment to a natural tooth or teeth or xii. aricose veins and aricose ulcers incurred during hospitali ation except ectopic pregnancy and to the extent covered under ection 2 ersons ho are physically challenge unless specifically agreed and endorsed in the policy - Code ec cl
Eye are paya le once in every loc of 3 years of continuous coverage. uch restoration ill e availa le for section 1 other than ection 1 . his enefit is not availa le for odern reatments.
nique dentification o H H P xiii. ll types of transplant and related surgeries ther than one arro ransplant for acute hematological . Expenses to ards miscarriage unless due to an accident and la ful medical termination of pregnancy ny loss arising out of the nsured erson s actual or attempted commission of or illful participation in an illegal act
he treatment can e ta en as an utpatient. For limits please refer schedule of enefits. his is in addition to sum insured. µ Cumulati e onus pplicable for ection other than H ection ection ection ection and malignancies and acute medical emergencies hen indicated during the policy period or any violation or attempted violation of the la - Code ec cl
hen health issues can t e predicted health insurance is the est option availa le to overcome the heavy financial loss that occurs in ote ayment of any claim under this section shall not e construed as a aiver of ompany s right to repudiate any claim on ection 3 here the sum insured under the policy is s.5 00 000 the insured person ould e entitled to the enefit
the form of hospitali ation and medical expenses. xiv. ongenital nternal disease defect ircumcision unless necessary for treatment of a disease not excluded under this policy or necessitated due to an ny payment in case of more than one claim under the policy during the period of insurance y hich the maximum
grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under hospitali ation provisions of of umulative onus calculated at 50% of the asic sum insured under this policy follo ing after every claim free year up
the policy contract. 3 3 -day waitin period - Code cl 3 accident reputioplasty Frenuloplasty reputial ilatation and emoval of E - Code cl lia ility of the ompany in that period ould exceed the amount specified in the chedule - Code ec cl
he right decision of purchasing a health insurance policy should complement the ise move of pic ing the right one. recise to say to a maximum of 100%.
having a policy that offers complete protection is more essential than ust having a health insurance cover. . Expenses related to the treatment of any illness ithin 30 days from the first policy commencement date shall ongenital External ondition efects nomalies except to the extent provided under ection 2 for e orn - 3 ny other claim after a claim has een admitted y the ompany and ecomes paya le for eath or ermanent
µ r an onor penses ection n patient hospitali ation expenses incurred for organ transplantation from the onor to the here the sum insured under the policy is s.7 50 000 or a ove the insured person ould e entitled to the enefit of
Code cl
resenting omprehensive nsurance olicy ith rene ed features. his policy is carefully crafted to offer complete protection e excluded except claims arising due to an accident provided the same are covered otal isa lement as mentioned n a le - Code ec cl 3
ecipient nsured erson are paya le provided the claim for transplantation is paya le. n addition the expenses incurred y the umulative onus calculated at 100% of the asic sum insured under this policy follo ing a claim free year. he
against all health care eventualities for an entire family on individual and floater asis. onor if any for the complications that necessitate a edo urgery U admission ill e covered. maximum enefit of onus is 100% of the asic sum insured. . his exclusion shall not ho ever apply if the nsured erson has continuous coverage for more than t elve months onvalescence general de ility run do n condition utritional deficiency states - Code cl ny claim arising out of an accident related to pregnancy or child irth infirmity hether directly or indirectly -
µ li ibility he coverage limit under this section is over and a ove the imit of overage and up to the asic um nsured. his additional . he ithin referred aiting period is made applica le to the enhanced sum insured in the event of granting ntentional self in ury - Code cl Code ec cl
pecial Conditions for Cumulati e onus
Ø Entry age et een 3 months and 65 years um nsured can e utili ed y the onor and not y the nsured. higher sum insured su se uently ny claim for eath or ermanent otal isa lement of the nsured erson from self endangerment unless in self
1. he umulative onus ill e calculated on the expiring asic um nsured or on the rene ed asic um nsured 3 enereal isease and exually ransmitted iseases ther than - Code cl 3
Ø ifelong rene als guaranteed hichever is less n esti ation aluation - Code- cl defense or to save human life - Code ec cl
µ Hospital Cash enefit ection n ury disease directly or indirectly caused y or arising from or attri uta le to ar invasion act of foreign enemy
Ø o exit age Ø aya le for each completed day of ospitalisation up to 7 days per occurrence and maximum of 120 days during the entire 2. f the insured opts to reduce the asic um nsured at the su se uent rene al the limit of indemnity y ay of such . Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded arli e operations hether ar e declared or not - Code cl µ oratorium Period fter completion of eight continuous years under the policy no loo ac to e applied. his period of
Ø olicy ype ndividual Floater Family i e aximum 2 dults 3 ependent hildren policy period umulative onus shall not exceed such reduced asic sum insured . ny diagnostic expenses hich are not related or not incidental to the current diagnosis and treatment are excluded eight years is called as moratorium period. he moratorium ould e applica le for the sums insured of the first policy and
n ury or disease directly or indirectly caused y or contri uted to y nuclear eapons materials - Code cl
Ø ependent children those ho are economically dependent on their parents can e covered upto 25 years of age Ø his enefit is su ect to an excess of first 24 hours of ospitali ation for each and every claim. laims under this section ill 3 n the e ent of a claim resultin in Rest Cure rehabilitation and respite care - Code cl Expenses related to any admission primarily for su se uently completion of 8 continuous years ould e applica le from date of enhancement of sums insured only on
not reduce the um nsured Expenses incurred on Enhanced External ounter ulsation herapy and related therapies helation therapy the enhanced limits. fter the expiry of oratorium eriod no health insurance claim shall e contesta le except for
µ um nsured ptions s.5 00 000 s.7 50 000 s.10 00 000 s.15 00 000 s.20 00 000 s.25 00 000 s.50 00 000 i. artial utili ation of asic um nsured such cumulative onus so granted ill e reduced at the same rate at enforced ed rest and not for receiving treatment. his also includes
s.75 00 000 s.1 00 00 000. yper aric xygen herapy otational Field uantum agnetic esonance herapy o level laser proven fraud and permanent exclusions specified in the policy contract. he policies ould ho ever e su ect to all
µ Health Check p ection his enefit is paya lefor every claim free year up to the limits mentioned in the schedule of enefits. hich it has accrued 1. ustodial care either at home or in a nursing facility for personal care such as help ith activities of daily living
therapy hotodynamic therapy - Code cl limits su limits co payments deducti les as per the policy contract.
µ Policy Term 1 year 2 year 3 year . For policies more than one year the asic um nsured is for each year ithout any carry ii. Full utili ation of asic um nsured and nil utili ation of cumulative onus accrued such cumulative onus so such as athing dressing moving around either y s illed nurses or assistant or non s illed persons
µ ariatric ur ery ection Unconventional Untested Experimental therapies - Code cl
over enefit thereof. granted ill e reduced at the same rate at hich it has accrued 2. ny services for people ho are terminally ill to address physical social emotional and spiritual needs µ Co-Payment his policy is su ect to o payment of 10% of each and every claim amount for fresh as ell as rene al
a he expenses incurred on hospitali ation for ariatric surgical procedure and its complications thereof are paya le upto the utologous derived tromal vascular fraction hondrocyte mplantation rocedures using latelet ich plasma
µ nstalment acility a ailable remium can e paid uarterly and alf yearly. remium can also e paid nnually iennial limits mentioned in the schedule of enefits during the policy period iii. Full utili ation of asic um nsured and partial utili ation of cumulative onus accrued the cumulative onus besity ei ht Control - Code cl Expenses related to the surgical treatment of o esity that does not fulfill policies for insured persons hose age at the time of entry is 61years and a ove. his co payment ill not apply for those
nce in 2 years and riennial nce in 3 years . granted on rene al ill e the alance cumulative onus availa le and ill e reduced at the same rate at all the elo conditions and ntra articular in ection therapy - Code cl insured persons ho have entered the policy efore attaining 61 years of age and rene the policy continuously ithout any
his maximum limit of s.2 50 000 and s.5 00 000 are inclusive of pre hospitali ation and post hospitali ation expenses
Quarterly - 3 Half Yearly - ill e applica le on the annual premium hich it has accrued . urgery to e conducted is upon the advice of the octor iologicals except hen administered as an in patient hen clinically indicated and hospitali ation arranted - rea . his co payment is applica le for ection 1 to 1 1 ection 4 ection 7 ection 9 ection 12 and ection 13.
c he limit of cover for ariatric urgery forms part of sum insured under ection 1
µ Pre-acceptance medical screenin o re acceptance medical screening. iv. Full utili ation of asic um nsured and full utili ation of cumulative onus accrued the cumulative onus . he surgery rocedure conducted should e supported y clinical protocols Code cl
d overage under this section is su ect to a aiting period of 36 months and paya le only hile the policy is in force µ Renewal he policy shall ordinarily e rene a le except on grounds of fraud misrepresentation y the nsured erson
granted on rene al ill e nil or ero . he mem er has to e 18 years of age or older and 3 ll treatment for riapism and erectile dysfunctions - Code cl 3 1. he ompany shall endeavor to give notice for rene al. o ever the ompany is not under o ligation to give any
µ ay Care Procedures ll ay are rocedures are covered. µ ption for econd edical pinion ection he nsured erson is given the facility of o taining a econd edical pinion
210.00 mm

µ idterm inclusion of ne ly married edded spouse and e orn a y is permissi le on paying additional premium. he from a octor in the ompany s net or of edical ractitioners. µ clusions . ody ass ndex 3 noculation or accination except for post ite treatment and for medical treatment for therapeutic reasons - Code cl 3 notice for rene al
intimation a out the marriage ne orn should e given ithin 60 days from the date of marriage or ne orn. he cover ill e o utili ed this enefit all medical records should e for arded to the mail id e medicalopinion starhealth.in. he ompany shall not e lia le to ma e any payments under this policy in respect of any expenses hat so ever 1. greater than or e ual to 40 or 3 ental treatment or surgery in excess of hat is specifically provided unless necessitated due to accidental 2. ene al shall not e denied on the ground that the insured person had made a claim or claims in the preceding policy years
from the date of payment of premium. incurred y the insured person in connection ith or in respect of 2. greater than or e ual to 35 in con unction ith any of the follo ing severe co mor idities follo ing failure in uries and re uiring hospitali ation - Code cl 3 3. e uest for rene al along ith re uisite premium shall e received y the ompany efore the end of the policy period
µ Y H Treatment ection n patient hospitali ation expenses incurred on treatment under yurveda Unani idha and
µ Co era e ection Pre- istin iseases - Code cl of less invasive methods of eight loss 33 edical and or surgical treatment of leep apnea treatment for endocrine disorders - Code cl 33 4. t the end of the policy period the policy shall terminate and can e rene ed ithin the race eriod of 30 days to
omeopathy systems of medicines in a overnment ospital or in any institute recogni ed y the government and or accredited
. Hospitalisation co er oom rivate ingle room oarding and ursing Expenses . Expenses related to the treatment of a pre existing isease E and its direct complications shall e excluded a. esity related cardiomyopathy maintain continuity of enefits ithout rea in policy
y the uality ouncil of ndia ational ccreditation oard on ealth as in patient is paya le up to the limits mentioned in the 3 ospital registration charges admission charges record charges telephone charges and such other charges -
ote Hospitali ation penses which ary based on the room rent occupied by the insured person will be considered chedule of enefits. until the expiry of 36 months of continuous coverage after the date of inception of the first policy ith insurer . oronary heart disease Code cl 3 5. overage is not availa le during the grace period
in proportion to the room rent limit room cate ory stated in the policy schedule or actuals whiche er is less ote . n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase. c. evere leep pnea 6. o loading shall apply on rene als ased on individual claims experience
3 ochlear implants and procedure related hospitali ation expenses. ost of spectacles and contact lens in excess of
. urgeon nesthetist edical ractitioner onsultants pecialist Fees 1 ayment under this enefit forms part of the sum insured and also ill impact the onus . f the nsured erson is continuously covered ithout any rea as defined under the porta ility norms of the d. Uncontrolled ype2 ia etes hat is specifically provided hearing aids al ers and crutches heel chairs ontinuous
. nesthesia lood xygen peration heatre charges U charges urgical ppliances edicines and rugs 2 oga and aturopathy systems of treatment are excluded from the scope of coverage under U treatment extant ealth nsurance egulations then aiting period for the same ould e reduced to the extent µ Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he ompany ith prior approval of
Chan e-of- ender treatments - Code cl Expenses related to any treatment including surgical management m ulatory eritoneal ialysis infusion pump and such other similar aids - Code cl 3
iagnostic aterials and ray diagnostic imaging modalities ialysis hemotherapy adiotherapy cost of acema er of prior coverage l l may revise or modify the terms of the policy including the premium rates. he insured person shall e notified three
µ ccidental eath and Permanent Total isablement ection to change characteristics of the ody to those of the opposite sex. 3 ny hospitali ations hich are not edically ecessary does not arrant ospitali ation - Code cl 3 months efore the changes are effected.
. Road ambulance e penses u ect to an admissi le hospitali ation claim road am ulance expenses incurred for the 1. ccidental eath . overage under the policy after the expiry of 36 months for any pre existing disease is su ect to the same Cosmetic or plastic ur ery - Code cl Expenses for cosmetic or plastic surgery or any treatment to change
follo ing are paya le eing declared at the time of application and accepted y nsurer 3 ther Excluded Expenses as detailed in the e site .starhealth.in - Code cl 3 µ Re ision in um nsured ny revision in sum insured is permissi le only at the time of rene al. he nsured erson can
2. ermanent otal isa ility follo ing an accident appearance unless for reconstruction follo ing an ccident urn s or ancer or as part of medically necessary
i. for transportation of the insured person y private am ulance service to go to hospital hen this is needed for medical 3. ependent children and persons a ove 70 years can e covered under accidental death and permanent total disa lement pecified disease procedure waitin period - Code cl treatment to remove a direct and immediate health ris to the insured. For this to e considered a medical necessity 3 Existing disease s disclosed y the insured and mentioned in the policy schedule ased on insured s consent for propose such revision and may e allo ed su ect to ompany s approval and payment of appropriate premium.
reasons upto the sum insured of s.10 00 000 . Expenses related to the treatment of the follo ing listed onditions surgeries treatments shall e excluded it must e certified y the attending edical ractitioner. specified codes - Code cl 3
µ ree ook Period he Free oo eriod shall e applica le on ne individual health insurance policies and not on
or he sum insured for this cover is separately indicated in schedule of enefits. over is availa le for one insured person until the expiry of 24 months of continuous coverage after the date of inception of the first policy ith us. his Ha ardous or d enture sports - Code cl Expenses related to any treatment necessitated due to participation pplicable for ection rene als or at the time of porting migrating the policy.
ii. for transportation of the insured person y private am ulance service from one hospital to another hospital for etter opted y the proposer exclusion shall not e applica le for claims arising due to an accident as a professional in ha ardous or adventure sports including ut not limited to para umping roc clim ing ny claim relating to events occurring efore the commencement of the cover or other ise outside the eriod of he insured person shall e allo ed free loo period of fifteen days from date of receipt of the policy document to revie
medical treatment
. n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase mountaineering rafting motor racing horse racing or scu a diving hand gliding s y diving deep sea diving. nsurance - Code ec cl the terms and conditions of the policy and to return the same if not accepta le.
or
pecial eatures . f any of the specified disease procedure falls under the aiting period specified for pre existing diseases reach of law - Code cl Expenses for treatment directly arising from or conse uent upon any nsured ny in uries conditions hich are re existing conditions - Code ec cl lf the insured has not made any claim during the Free oo eriod the insured shall e entitled to
iii. for transportation of the insured person from the hospital here treatment is ta en to their place of residence provided
the re uirement of an am ulance to the residence is certified y the medical practitioner then the longer of the t o aiting periods shall apply erson committing or attempting to commit a reach of la ith criminal intent. i. a refund of the premium paid less any expenses incurred y the ompany on medical examination of the insured
Ø tar ellness Pro ram ection his program intends to promote incentivi e and to re ard the nsured ersons 3 ny claim arising out of ccidents that the nsured erson has caused - Code ec cl 3
E. ir mbulance e penses up to s.2 50 000 per hospitali ation not exceeding s.5 00 000 per policy period healthy life style through various ellness activities. he ellness activities as detailed in the e site are designed to help . he aiting period for listed conditions shall apply even if contracted after the policy or declared and accepted cluded Pro iders - Code cl Expenses incurred to ards treatment in any hospital or y any edical i. intentionally or person and the stamp duty charges or
the nsured person to earn ellness re ard points hich ill e trac ed and monitored y the ompany. he ellness points ithout a specific exclusion ractitioner or any other provider specifically excluded y the nsurer and disclosed in its e site notified to the ii. here the ris has already commenced and the option of return of the policy is exercised y the insured person a
F. Pre-Hospitali ation medical expenses incurred for a period not exceeding 60 days prior to the date of hospitali ation ii. y committing a crime involved in it or
earned y the nsured erson s under the ellness program can e utili ed to get discount in premium. E. f the nsured erson is continuously covered ithout any rea as defined under the applica le norms on policyholders are not admissi le. o ever in case of life threatening situations or follo ing an accident expenses deduction to ards the proportionate ris premium for period of cover or
. Post Hospitali ation medical expenses incurred for a period up to 90 days from the date of discharge from the hospital porta ility stipulated y then aiting period for the same ould e reduced to the extent of prior coverage iii. as a result of in a state of drun enness or addiction drugs alcohol
he follo ing ta le sho s the discount on premium availa le under the ellness rogram up to the stage of sta ili ation are paya le ut not the complete claim. iii. here only a part of the insurance coverage has commenced such proportionate premium commensurate ith the
. utpatient edical Consultation Expenses on edical onsultations as an ut atient incurred in a et or ed Facility F. ist of specific diseases procedures nsured erson engaging in ir ravel unless he she flies as a fare paying passenger on an aircraft properly
reatment for lcoholism drug or su stance a use or any addictive condition and conse uences thereof - Code cl insurance coverage during such period
for other than ental and phthalmic treatments up to the limits mentioned in the schedule of enefits ith a limit of s.300 ellness Points arned iscount in Premium licensed to carry passengers. For the purpose of this exclusion ir ravel means eing in or on or oarding an
per consultation. his enefit ill not reduce the sum insured i. reatment of ataract and diseases of the anterior and posterior cham er of the Eye iseases of E
3 reatments received in health hydros nature cure clinics spas or similar esta lishments or private eds registered aircraft for the purpose of flying therein or alighting there from - Code ec cl µ isclosure to information norms he policy shall ecome void and all premium paid thereon shall e forfeited to the
200 to 350 2% iseases related to hyroid enign diseases of the reast
ote ayment of any claim under utpatient edical onsultation shall not e construed as a aiver of ompany s right to as a nursing home attached to such esta lishments or here admission is arranged holly or partly for domestic ompany in the event of mis representation mis description or non disclosure of any material fact y the policy holder.
351 to 600 5% ii. u cutaneous enign umps e aceous cyst ermoid cyst ucous cyst lip chee arpal unnel ccidents that are results of ar and arli e occurrence or invasion acts of foreign enemies hostilities civil ar
repudiate any claim on grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under reasons - Code cl 3
yndrome rigger Finger ipoma eurofi roma Fi roadenoma anglion and similar pathology re ellion insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped µ Cancellation he policyholder may cancel this policy y giving 15 days ritten notice and in such an event the
hospitali ation provisions of the policy contract. 601 to 750 7% ietary supplements and su stances that can e purchased ithout prescription including ut not limited to
iii. ll treatments onservative perative treatment and all types of intervention for iseases related to po er sei ure capture arrest restraints detainments of all ings princes and people of hatever nation condition or ompany shall refund premium for the unexpired policy period as detailed elo
. omiciliary hospitali ation overage for medical treatment including U for a period exceeding three days for an 751 to 1000 10% itamins minerals and organic su stances unless prescri ed y a medical practitioner as part of hospitali ation uality hatsoever - Code ec cl
illness disease in ury hich in the normal course ould re uire care and treatment at a ospital ut on the advice of the endon igament Fascia ones and oint ncluding rthroscopy and rthroplasty oint Cancellation table applicable for Policy Term Year without instalment option
claim or day care procedure - Code cl
attending edical ractitioner is ta en hilst confined at home under any of the follo ing circumstances For more information lease visit our e site .starhealth.in eplacement other than caused y accident articipation in riots confiscation or nationali ation or re uisition of or destruction of or damage to property y or
Refracti e rror - Code cl Expenses related to the treatment for correction of eye sight due to refractive under the order of any government or local authority - Code ec cl Period on risk Rate of premium to be retained
i. he condition of the patient is such that he she is not in a condition to e removed to a ospital or Ø uy ack Pre- istin isease ection he prospect has the option to opt for reduction of aiting period in respect of iv. ll types of treatment for egenerative disc and erte ral diseases including eplacement of ones
and oints and egenerative diseases of the usculo s eletal system rolapse of nterverte ral isc error less than 7. 5 dioptres Up to one month 22.5% of the policy premium
ii. he patient ta es treatment at home on account of non availa ility of room in a hospital re Existing iseases from 36 months to12 months on payment of additional premium. his option is availa le only if the first ny claim resulting or arising from or any conse uential loss directly or indirectly caused y or contri uted to or
purchase of an indemnity insurance policy is a tar omprehensive nsurance olicy and also only upto um nsured chosen other than caused y accident npro en Treatments - Code cl Expenses related to any unproven treatment services and supplies for or arising from - Code ec cl Exceeding one month up to 3 months 37.5% of the policy premium
o ever this enefit shall not cover sthma ronchitis hronic ephritis and ephritic yndrome iarrhoea and all types
of ysenteries including astro enteritis ia etes ellitus and nsipidus Epilepsy ypertension nfluen a ough and at that time. his option is not availa le for rene al or policies ported from other nsurance ompanies. he prospect has to v. ll treatments conservative interventional laparoscopic and open related to epato pancreato in connection ith any treatment. Unproven treatments are treatments procedures or supplies that lac significant a oni ing radiation or contamination y radioactivity from any nuclear fuel or from any nuclear aste from the Exceeding 3 months up to 6 months 57.5% of the policy premium
old all sychiatric or sychosomatic isorders yrexia of un no n origin for less than 10 days onsillitis and Upper undergo pre acceptance medical screening at ompany s nominated centre. t present 100% of cost of the pre acceptance iliary diseases including all ladder and ancreatic calculi. ll types of management for idney and medical documentation to support their effectiveness. com ustion of nuclear fuel or from any nuclear aste from com ustion including any self sustaining process Exceeding 6 months up to 9 months 80% of the policy premium
espiratory ract infection including aryngitis and haringitis rthritis out and heumatism. medical screening ill e orne y the ompany. he ompany may re uire the prospect to share this cost maximum 50% . enitourinary tract calculi terility and nfertility - Code cl Expenses related to sterility and infertility. his includes of nuclear fission of nuclear fuel Exceeding 9 months Full of the policy premium

1 2 3 4 5 6

735.00 mm
 127.50 mm 127.50 mm 120.00 mm 120.00 mm 120.00 mm 120.00 mm

µ eli ery and ew orn ection µ Co era e for odern Treatments ection 3 Expenses are su ect to the limits. vi. ll types of ernia a. ny type of contraception sterili ation uclear eapons material
. Expenses incurred as in patient for elivery including elivery y aesarean section For details please refer e site .starhealth.in vii. esmoid umor Um ilical ranuloma Um ilical inus Um ilical Fistula . ssisted eproduction services including artificial insemination and advanced reproductive technologies c he radioactive toxic explosive or other ha ardous properties of any explosive nuclear assem ly or nuclear
. reatment of the e orn viii. ll treatments conservative interventional laparoscopic and open related to all iseases of ervix such as F F F component thereof
µ utomatic Restoration of um nsured pplicable for ection nly here shall e automatic restoration of the
. accination expenses for the ne orn a y are paya le up to the limits mentioned in the schedule of enefits until the ne Uterus Fallopian tu es varies Uterine leeding elvic nflammatory iseases c. estational urrogacy d uclear chemical and iological terrorism
asic um nsured y 100% immediately upon exhaustion of the asic um nsured and accrued umulative onus if
orn a y completes one year of age and is added in the policy on rene al. laim under this is admissi le only if claim under ix. ll iseases of rostate tricture Urethra all structive Uropathies d. eversal of sterili ation ny claim arising out of sporting activities in so far as they involve the training or participation in competitions of
any once during the policy period.
of ection 2 a ove has een admitted and hile the policy is in force x. enign umours of Epididymis permatocele aricocele ydrocele professional or semi professional sports persons - Code ec cl
t is made clear that such restored um nsured can e utili ed for the su se uent hospitali ation even for the illness disease aternity - Code cl
overage under this section is su ect to a aiting period of 24months and paya le only hile the policy is in force.
for hich claim s as ere already made. xi. Fistula Fissure in no emorrhoids ilonidal inus and Fistula ectal rolapse tress ncontinence a. edical treatment expenses tracea le to child irth including complicated deliveries and caesarean sections articipation in a ardous port a ardous ctivities - Code ec cl
µ ut-patient ental and phthalmic Treatment ection 3 Expenses incurred on acute treatment to a natural tooth or teeth or xii. aricose veins and aricose ulcers incurred during hospitali ation except ectopic pregnancy and to the extent covered under ection 2 ersons ho are physically challenge unless specifically agreed and endorsed in the policy - Code ec cl
Eye are paya le once in every loc of 3 years of continuous coverage. uch restoration ill e availa le for section 1 other than ection 1 . his enefit is not availa le for odern reatments.
nique dentification o H H P xiii. ll types of transplant and related surgeries ther than one arro ransplant for acute hematological . Expenses to ards miscarriage unless due to an accident and la ful medical termination of pregnancy ny loss arising out of the nsured erson s actual or attempted commission of or illful participation in an illegal act
he treatment can e ta en as an utpatient. For limits please refer schedule of enefits. his is in addition to sum insured. µ Cumulati e onus pplicable for ection other than H ection ection ection ection and malignancies and acute medical emergencies hen indicated during the policy period or any violation or attempted violation of the la - Code ec cl
hen health issues can t e predicted health insurance is the est option availa le to overcome the heavy financial loss that occurs in ote ayment of any claim under this section shall not e construed as a aiver of ompany s right to repudiate any claim on ection 3 here the sum insured under the policy is s.5 00 000 the insured person ould e entitled to the enefit
the form of hospitali ation and medical expenses. xiv. ongenital nternal disease defect ircumcision unless necessary for treatment of a disease not excluded under this policy or necessitated due to an ny payment in case of more than one claim under the policy during the period of insurance y hich the maximum
grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under hospitali ation provisions of of umulative onus calculated at 50% of the asic sum insured under this policy follo ing after every claim free year up
the policy contract. 3 3 -day waitin period - Code cl 3 accident reputioplasty Frenuloplasty reputial ilatation and emoval of E - Code cl lia ility of the ompany in that period ould exceed the amount specified in the chedule - Code ec cl
he right decision of purchasing a health insurance policy should complement the ise move of pic ing the right one. recise to say to a maximum of 100%.
having a policy that offers complete protection is more essential than ust having a health insurance cover. . Expenses related to the treatment of any illness ithin 30 days from the first policy commencement date shall ongenital External ondition efects nomalies except to the extent provided under ection 2 for e orn - 3 ny other claim after a claim has een admitted y the ompany and ecomes paya le for eath or ermanent
µ r an onor penses ection n patient hospitali ation expenses incurred for organ transplantation from the onor to the here the sum insured under the policy is s.7 50 000 or a ove the insured person ould e entitled to the enefit of
Code cl
resenting omprehensive nsurance olicy ith rene ed features. his policy is carefully crafted to offer complete protection e excluded except claims arising due to an accident provided the same are covered otal isa lement as mentioned n a le - Code ec cl 3
ecipient nsured erson are paya le provided the claim for transplantation is paya le. n addition the expenses incurred y the umulative onus calculated at 100% of the asic sum insured under this policy follo ing a claim free year. he
against all health care eventualities for an entire family on individual and floater asis. onor if any for the complications that necessitate a edo urgery U admission ill e covered. maximum enefit of onus is 100% of the asic sum insured. . his exclusion shall not ho ever apply if the nsured erson has continuous coverage for more than t elve months onvalescence general de ility run do n condition utritional deficiency states - Code cl ny claim arising out of an accident related to pregnancy or child irth infirmity hether directly or indirectly -
µ li ibility he coverage limit under this section is over and a ove the imit of overage and up to the asic um nsured. his additional . he ithin referred aiting period is made applica le to the enhanced sum insured in the event of granting ntentional self in ury - Code cl Code ec cl
pecial Conditions for Cumulati e onus
Ø Entry age et een 3 months and 65 years um nsured can e utili ed y the onor and not y the nsured. higher sum insured su se uently ny claim for eath or ermanent otal isa lement of the nsured erson from self endangerment unless in self
1. he umulative onus ill e calculated on the expiring asic um nsured or on the rene ed asic um nsured 3 enereal isease and exually ransmitted iseases ther than - Code cl 3
Ø ifelong rene als guaranteed hichever is less n esti ation aluation - Code- cl defense or to save human life - Code ec cl
µ Hospital Cash enefit ection n ury disease directly or indirectly caused y or arising from or attri uta le to ar invasion act of foreign enemy
Ø o exit age Ø aya le for each completed day of ospitalisation up to 7 days per occurrence and maximum of 120 days during the entire 2. f the insured opts to reduce the asic um nsured at the su se uent rene al the limit of indemnity y ay of such . Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded arli e operations hether ar e declared or not - Code cl µ oratorium Period fter completion of eight continuous years under the policy no loo ac to e applied. his period of
Ø olicy ype ndividual Floater Family i e aximum 2 dults 3 ependent hildren policy period umulative onus shall not exceed such reduced asic sum insured . ny diagnostic expenses hich are not related or not incidental to the current diagnosis and treatment are excluded eight years is called as moratorium period. he moratorium ould e applica le for the sums insured of the first policy and
n ury or disease directly or indirectly caused y or contri uted to y nuclear eapons materials - Code cl
Ø ependent children those ho are economically dependent on their parents can e covered upto 25 years of age Ø his enefit is su ect to an excess of first 24 hours of ospitali ation for each and every claim. laims under this section ill 3 n the e ent of a claim resultin in Rest Cure rehabilitation and respite care - Code cl Expenses related to any admission primarily for su se uently completion of 8 continuous years ould e applica le from date of enhancement of sums insured only on
not reduce the um nsured Expenses incurred on Enhanced External ounter ulsation herapy and related therapies helation therapy the enhanced limits. fter the expiry of oratorium eriod no health insurance claim shall e contesta le except for
µ um nsured ptions s.5 00 000 s.7 50 000 s.10 00 000 s.15 00 000 s.20 00 000 s.25 00 000 s.50 00 000 i. artial utili ation of asic um nsured such cumulative onus so granted ill e reduced at the same rate at enforced ed rest and not for receiving treatment. his also includes
s.75 00 000 s.1 00 00 000. yper aric xygen herapy otational Field uantum agnetic esonance herapy o level laser proven fraud and permanent exclusions specified in the policy contract. he policies ould ho ever e su ect to all
µ Health Check p ection his enefit is paya lefor every claim free year up to the limits mentioned in the schedule of enefits. hich it has accrued 1. ustodial care either at home or in a nursing facility for personal care such as help ith activities of daily living
therapy hotodynamic therapy - Code cl limits su limits co payments deducti les as per the policy contract.
µ Policy Term 1 year 2 year 3 year . For policies more than one year the asic um nsured is for each year ithout any carry ii. Full utili ation of asic um nsured and nil utili ation of cumulative onus accrued such cumulative onus so such as athing dressing moving around either y s illed nurses or assistant or non s illed persons
µ ariatric ur ery ection Unconventional Untested Experimental therapies - Code cl
over enefit thereof. granted ill e reduced at the same rate at hich it has accrued 2. ny services for people ho are terminally ill to address physical social emotional and spiritual needs µ Co-Payment his policy is su ect to o payment of 10% of each and every claim amount for fresh as ell as rene al
a he expenses incurred on hospitali ation for ariatric surgical procedure and its complications thereof are paya le upto the utologous derived tromal vascular fraction hondrocyte mplantation rocedures using latelet ich plasma
µ nstalment acility a ailable remium can e paid uarterly and alf yearly. remium can also e paid nnually iennial limits mentioned in the schedule of enefits during the policy period iii. Full utili ation of asic um nsured and partial utili ation of cumulative onus accrued the cumulative onus besity ei ht Control - Code cl Expenses related to the surgical treatment of o esity that does not fulfill policies for insured persons hose age at the time of entry is 61years and a ove. his co payment ill not apply for those
nce in 2 years and riennial nce in 3 years . granted on rene al ill e the alance cumulative onus availa le and ill e reduced at the same rate at all the elo conditions and ntra articular in ection therapy - Code cl insured persons ho have entered the policy efore attaining 61 years of age and rene the policy continuously ithout any
his maximum limit of s.2 50 000 and s.5 00 000 are inclusive of pre hospitali ation and post hospitali ation expenses
Quarterly - 3 Half Yearly - ill e applica le on the annual premium hich it has accrued . urgery to e conducted is upon the advice of the octor iologicals except hen administered as an in patient hen clinically indicated and hospitali ation arranted - rea . his co payment is applica le for ection 1 to 1 1 ection 4 ection 7 ection 9 ection 12 and ection 13.
c he limit of cover for ariatric urgery forms part of sum insured under ection 1
µ Pre-acceptance medical screenin o re acceptance medical screening. iv. Full utili ation of asic um nsured and full utili ation of cumulative onus accrued the cumulative onus . he surgery rocedure conducted should e supported y clinical protocols Code cl
d overage under this section is su ect to a aiting period of 36 months and paya le only hile the policy is in force µ Renewal he policy shall ordinarily e rene a le except on grounds of fraud misrepresentation y the nsured erson
granted on rene al ill e nil or ero . he mem er has to e 18 years of age or older and 3 ll treatment for riapism and erectile dysfunctions - Code cl 3 1. he ompany shall endeavor to give notice for rene al. o ever the ompany is not under o ligation to give any
µ ay Care Procedures ll ay are rocedures are covered. µ ption for econd edical pinion ection he nsured erson is given the facility of o taining a econd edical pinion
210.00 mm

µ idterm inclusion of ne ly married edded spouse and e orn a y is permissi le on paying additional premium. he from a octor in the ompany s net or of edical ractitioners. µ clusions . ody ass ndex 3 noculation or accination except for post ite treatment and for medical treatment for therapeutic reasons - Code cl 3 notice for rene al
intimation a out the marriage ne orn should e given ithin 60 days from the date of marriage or ne orn. he cover ill e o utili ed this enefit all medical records should e for arded to the mail id e medicalopinion starhealth.in. he ompany shall not e lia le to ma e any payments under this policy in respect of any expenses hat so ever 1. greater than or e ual to 40 or 3 ental treatment or surgery in excess of hat is specifically provided unless necessitated due to accidental 2. ene al shall not e denied on the ground that the insured person had made a claim or claims in the preceding policy years
from the date of payment of premium. incurred y the insured person in connection ith or in respect of 2. greater than or e ual to 35 in con unction ith any of the follo ing severe co mor idities follo ing failure in uries and re uiring hospitali ation - Code cl 3 3. e uest for rene al along ith re uisite premium shall e received y the ompany efore the end of the policy period
µ Y H Treatment ection n patient hospitali ation expenses incurred on treatment under yurveda Unani idha and
µ Co era e ection Pre- istin iseases - Code cl of less invasive methods of eight loss 33 edical and or surgical treatment of leep apnea treatment for endocrine disorders - Code cl 33 4. t the end of the policy period the policy shall terminate and can e rene ed ithin the race eriod of 30 days to
omeopathy systems of medicines in a overnment ospital or in any institute recogni ed y the government and or accredited
. Hospitalisation co er oom rivate ingle room oarding and ursing Expenses . Expenses related to the treatment of a pre existing isease E and its direct complications shall e excluded a. esity related cardiomyopathy maintain continuity of enefits ithout rea in policy
y the uality ouncil of ndia ational ccreditation oard on ealth as in patient is paya le up to the limits mentioned in the 3 ospital registration charges admission charges record charges telephone charges and such other charges -
ote Hospitali ation penses which ary based on the room rent occupied by the insured person will be considered chedule of enefits. until the expiry of 36 months of continuous coverage after the date of inception of the first policy ith insurer . oronary heart disease Code cl 3 5. overage is not availa le during the grace period
in proportion to the room rent limit room cate ory stated in the policy schedule or actuals whiche er is less ote . n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase. c. evere leep pnea 6. o loading shall apply on rene als ased on individual claims experience
3 ochlear implants and procedure related hospitali ation expenses. ost of spectacles and contact lens in excess of
. urgeon nesthetist edical ractitioner onsultants pecialist Fees 1 ayment under this enefit forms part of the sum insured and also ill impact the onus . f the nsured erson is continuously covered ithout any rea as defined under the porta ility norms of the d. Uncontrolled ype2 ia etes hat is specifically provided hearing aids al ers and crutches heel chairs ontinuous
. nesthesia lood xygen peration heatre charges U charges urgical ppliances edicines and rugs 2 oga and aturopathy systems of treatment are excluded from the scope of coverage under U treatment extant ealth nsurance egulations then aiting period for the same ould e reduced to the extent µ Possibility of Re ision of Terms of the Policy lncludin the Premium Rates he ompany ith prior approval of
Chan e-of- ender treatments - Code cl Expenses related to any treatment including surgical management m ulatory eritoneal ialysis infusion pump and such other similar aids - Code cl 3
iagnostic aterials and ray diagnostic imaging modalities ialysis hemotherapy adiotherapy cost of acema er of prior coverage l l may revise or modify the terms of the policy including the premium rates. he insured person shall e notified three
µ ccidental eath and Permanent Total isablement ection to change characteristics of the ody to those of the opposite sex. 3 ny hospitali ations hich are not edically ecessary does not arrant ospitali ation - Code cl 3 months efore the changes are effected.
. Road ambulance e penses u ect to an admissi le hospitali ation claim road am ulance expenses incurred for the 1. ccidental eath . overage under the policy after the expiry of 36 months for any pre existing disease is su ect to the same Cosmetic or plastic ur ery - Code cl Expenses for cosmetic or plastic surgery or any treatment to change
follo ing are paya le eing declared at the time of application and accepted y nsurer 3 ther Excluded Expenses as detailed in the e site .starhealth.in - Code cl 3 µ Re ision in um nsured ny revision in sum insured is permissi le only at the time of rene al. he nsured erson can
2. ermanent otal isa ility follo ing an accident appearance unless for reconstruction follo ing an ccident urn s or ancer or as part of medically necessary
i. for transportation of the insured person y private am ulance service to go to hospital hen this is needed for medical 3. ependent children and persons a ove 70 years can e covered under accidental death and permanent total disa lement pecified disease procedure waitin period - Code cl treatment to remove a direct and immediate health ris to the insured. For this to e considered a medical necessity 3 Existing disease s disclosed y the insured and mentioned in the policy schedule ased on insured s consent for propose such revision and may e allo ed su ect to ompany s approval and payment of appropriate premium.
reasons upto the sum insured of s.10 00 000 . Expenses related to the treatment of the follo ing listed onditions surgeries treatments shall e excluded it must e certified y the attending edical ractitioner. specified codes - Code cl 3
µ ree ook Period he Free oo eriod shall e applica le on ne individual health insurance policies and not on
or he sum insured for this cover is separately indicated in schedule of enefits. over is availa le for one insured person until the expiry of 24 months of continuous coverage after the date of inception of the first policy ith us. his Ha ardous or d enture sports - Code cl Expenses related to any treatment necessitated due to participation pplicable for ection rene als or at the time of porting migrating the policy.
ii. for transportation of the insured person y private am ulance service from one hospital to another hospital for etter opted y the proposer exclusion shall not e applica le for claims arising due to an accident as a professional in ha ardous or adventure sports including ut not limited to para umping roc clim ing ny claim relating to events occurring efore the commencement of the cover or other ise outside the eriod of he insured person shall e allo ed free loo period of fifteen days from date of receipt of the policy document to revie
medical treatment
. n case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase mountaineering rafting motor racing horse racing or scu a diving hand gliding s y diving deep sea diving. nsurance - Code ec cl the terms and conditions of the policy and to return the same if not accepta le.
or
pecial eatures . f any of the specified disease procedure falls under the aiting period specified for pre existing diseases reach of law - Code cl Expenses for treatment directly arising from or conse uent upon any nsured ny in uries conditions hich are re existing conditions - Code ec cl lf the insured has not made any claim during the Free oo eriod the insured shall e entitled to
iii. for transportation of the insured person from the hospital here treatment is ta en to their place of residence provided
the re uirement of an am ulance to the residence is certified y the medical practitioner then the longer of the t o aiting periods shall apply erson committing or attempting to commit a reach of la ith criminal intent. i. a refund of the premium paid less any expenses incurred y the ompany on medical examination of the insured
Ø tar ellness Pro ram ection his program intends to promote incentivi e and to re ard the nsured ersons 3 ny claim arising out of ccidents that the nsured erson has caused - Code ec cl 3
E. ir mbulance e penses up to s.2 50 000 per hospitali ation not exceeding s.5 00 000 per policy period healthy life style through various ellness activities. he ellness activities as detailed in the e site are designed to help . he aiting period for listed conditions shall apply even if contracted after the policy or declared and accepted cluded Pro iders - Code cl Expenses incurred to ards treatment in any hospital or y any edical i. intentionally or person and the stamp duty charges or
the nsured person to earn ellness re ard points hich ill e trac ed and monitored y the ompany. he ellness points ithout a specific exclusion ractitioner or any other provider specifically excluded y the nsurer and disclosed in its e site notified to the ii. here the ris has already commenced and the option of return of the policy is exercised y the insured person a
F. Pre-Hospitali ation medical expenses incurred for a period not exceeding 60 days prior to the date of hospitali ation ii. y committing a crime involved in it or
earned y the nsured erson s under the ellness program can e utili ed to get discount in premium. E. f the nsured erson is continuously covered ithout any rea as defined under the applica le norms on policyholders are not admissi le. o ever in case of life threatening situations or follo ing an accident expenses deduction to ards the proportionate ris premium for period of cover or
. Post Hospitali ation medical expenses incurred for a period up to 90 days from the date of discharge from the hospital porta ility stipulated y then aiting period for the same ould e reduced to the extent of prior coverage iii. as a result of in a state of drun enness or addiction drugs alcohol
he follo ing ta le sho s the discount on premium availa le under the ellness rogram up to the stage of sta ili ation are paya le ut not the complete claim. iii. here only a part of the insurance coverage has commenced such proportionate premium commensurate ith the
. utpatient edical Consultation Expenses on edical onsultations as an ut atient incurred in a et or ed Facility F. ist of specific diseases procedures nsured erson engaging in ir ravel unless he she flies as a fare paying passenger on an aircraft properly
reatment for lcoholism drug or su stance a use or any addictive condition and conse uences thereof - Code cl insurance coverage during such period
for other than ental and phthalmic treatments up to the limits mentioned in the schedule of enefits ith a limit of s.300 ellness Points arned iscount in Premium licensed to carry passengers. For the purpose of this exclusion ir ravel means eing in or on or oarding an
per consultation. his enefit ill not reduce the sum insured i. reatment of ataract and diseases of the anterior and posterior cham er of the Eye iseases of E
3 reatments received in health hydros nature cure clinics spas or similar esta lishments or private eds registered aircraft for the purpose of flying therein or alighting there from - Code ec cl µ isclosure to information norms he policy shall ecome void and all premium paid thereon shall e forfeited to the
200 to 350 2% iseases related to hyroid enign diseases of the reast
ote ayment of any claim under utpatient edical onsultation shall not e construed as a aiver of ompany s right to as a nursing home attached to such esta lishments or here admission is arranged holly or partly for domestic ccidents that are results of ar and arli e occurrence or invasion acts of foreign enemies hostilities civil ar ompany in the event of mis representation mis description or non disclosure of any material fact y the policy holder.
repudiate any claim on grounds of non disclosure of material fact or pre existing disease for hospitali ation expenses under 351 to 600 5% ii. u cutaneous enign umps e aceous cyst ermoid cyst ucous cyst lip chee arpal unnel reasons - Code cl 3
yndrome rigger Finger ipoma eurofi roma Fi roadenoma anglion and similar pathology re ellion insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped µ Cancellation he policyholder may cancel this policy y giving 15 days ritten notice and in such an event the
hospitali ation provisions of the policy contract. 601 to 750 7% ietary supplements and su stances that can e purchased ithout prescription including ut not limited to
iii. ll treatments onservative perative treatment and all types of intervention for iseases related to po er sei ure capture arrest restraints detainments of all ings princes and people of hatever nation condition or ompany shall refund premium for the unexpired policy period as detailed elo
. omiciliary hospitali ation overage for medical treatment including U for a period exceeding three days for an 751 to 1000 10% itamins minerals and organic su stances unless prescri ed y a medical practitioner as part of hospitali ation uality hatsoever - Code ec cl
illness disease in ury hich in the normal course ould re uire care and treatment at a ospital ut on the advice of the endon igament Fascia ones and oint ncluding rthroscopy and rthroplasty oint Cancellation table applicable for Policy Term Year without instalment option
claim or day care procedure - Code cl
attending edical ractitioner is ta en hilst confined at home under any of the follo ing circumstances For more information lease visit our e site .starhealth.in eplacement other than caused y accident articipation in riots confiscation or nationali ation or re uisition of or destruction of or damage to property y or
Refracti e rror - Code cl Expenses related to the treatment for correction of eye sight due to refractive under the order of any government or local authority - Code ec cl Period on risk Rate of premium to be retained
i. he condition of the patient is such that he she is not in a condition to e removed to a ospital or Ø uy ack Pre- istin isease ection he prospect has the option to opt for reduction of aiting period in respect of iv. ll types of treatment for egenerative disc and erte ral diseases including eplacement of ones
and oints and egenerative diseases of the usculo s eletal system rolapse of nterverte ral isc error less than 7. 5 dioptres Up to one month 22.5% of the policy premium
ii. he patient ta es treatment at home on account of non availa ility of room in a hospital re Existing iseases from 36 months to12 months on payment of additional premium. his option is availa le only if the first ny claim resulting or arising from or any conse uential loss directly or indirectly caused y or contri uted to or
purchase of an indemnity insurance policy is a tar omprehensive nsurance olicy and also only upto um nsured chosen other than caused y accident npro en Treatments - Code cl Expenses related to any unproven treatment services and supplies for or arising from - Code ec cl Exceeding one month up to 3 months 37.5% of the policy premium
o ever this enefit shall not cover sthma ronchitis hronic ephritis and ephritic yndrome iarrhoea and all types
of ysenteries including astro enteritis ia etes ellitus and nsipidus Epilepsy ypertension nfluen a ough and at that time. his option is not availa le for rene al or policies ported from other nsurance ompanies. he prospect has to v. ll treatments conservative interventional laparoscopic and open related to epato pancreato in connection ith any treatment. Unproven treatments are treatments procedures or supplies that lac significant a oni ing radiation or contamination y radioactivity from any nuclear fuel or from any nuclear aste from the Exceeding 3 months up to 6 months 57.5% of the policy premium
old all sychiatric or sychosomatic isorders yrexia of un no n origin for less than 10 days onsillitis and Upper undergo pre acceptance medical screening at ompany s nominated centre. t present 100% of cost of the pre acceptance iliary diseases including all ladder and ancreatic calculi. ll types of management for idney and medical documentation to support their effectiveness. com ustion of nuclear fuel or from any nuclear aste from com ustion including any self sustaining process Exceeding 6 months up to 9 months 80% of the policy premium
espiratory ract infection including aryngitis and haringitis rthritis out and heumatism. medical screening ill e orne y the ompany. he ompany may re uire the prospect to share this cost maximum 50% . enitourinary tract calculi terility and nfertility - Code cl Expenses related to sterility and infertility. his includes of nuclear fission of nuclear fuel Exceeding 9 months Full of the policy premium

1 2 3 4 5 6

735.00 mm
 120.00 mm 120.00 mm 120.00 mm 120.00 mm 127.50 mm 127.50 mm

Cancellation table applicable for Policy Term Year with instalment option of Half-yearly premium payment frequency Cancellation table applicable for Policy Term 3 Years without instalment option CH T
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained o um nsured R lacs lacs lacs lacs lacs lacs lacs lacs lacs
Up to one month 17.5% of the policy premium 1 oom oarding and ursing charges rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle
Up to one month 45% of the total premium received
Exceeding one month up to 3 months 22.5% of the policy premium 2 U peration heatre harges ctual ctual ctual ctual ctual ctual ctual ctual ctual
Exceeding one month up to 4 months 87.5% of the total premium received
3 oad m ulance harges per policy period ctual ctual ctual ctual ctual ctual ctual ctual ctual
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 3 months up to 6 months 30% of the policy premium
Exceeding 6 months up to 9 months 37.5% of the policy premium Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per
Exceeding 6 months up to 7 months 65% of the total premium received 4 ir m ulance per policy period hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding
Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 9 months up to 12 months 42.5% of the policy premium s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period
Exceeding 12 months up to 15 months 50% of the policy premium 5 re ospitalisation Expenses incurred Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days
Exceeding 10 months 100% of the total premium received
Exceeding 15 months up to 18 months 57.5% of the policy premium 6 ost ospitalisation Expenses incurred Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days
Cancellation table applicable for Policy Term Year with instalment option of Quarterly premium payment frequency
Exceeding 18 months up to 21 months 65% of the policy premium 7a. elivery harges ormal elivery 15 000 25 000 30 000 30 000 30 000 30 000 50 000 50 000 50 000
Period on risk Rate of premium to be retained
Exceeding 21 months up to 24 months 72.5% of the policy premium 7 . elivery harges aesarean ection 20 000 40 000 50 000 50 000 50 000 50 000 1 00 000 1 00 000 1 00 000
Up to one month 87.5% of the total premium received Exceeding 24 months up to 27 months 80% of the policy premium 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from first 24 months for first delivery from 24 months for first delivery from
Exceeding one month up to 3 months 100% of the total premium received Exceeding 27 months up to 30 months 85% of the policy premium first inception of the policy first inception of the policy first inception of the policy first inception of the policy first inception of the policy first inception of the policy inception of the policy first inception of the policy first inception of the policy
Exceeding 3 months up to 4 months 87.5% of the total premium received 8 aiting eriod for elivery
Exceeding 30 months up to 33 months 92.5% of the policy premium 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 33 months Full of the policy premium 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery
Exceeding 6 months up to 7 months 85% of the total premium received Cancellation table applicable for Policy Term 3 Years with instalment option of Half-yearly premium payment frequency overage for e orn hild u ect to
9 Up to 1 00 000 Up to 1 00 000 Up to 1 00 000 Up to 1 00 000 Up to 1 00 000 Up to 1 00 000 Up to 2 00 000 Up to 2 00 000 Up to 2 00 000
Exceeding 7 months up to 9 months 100% of the total premium received a valid claim under 7a or 7 a ove
Period on risk Rate of premium to be retained
accination Expenses for e orn u ect
Exceeding 9 months up to 10 months 85% of the total premium received Up to one month 45% of the total premium received 10 5 000 5 000 5 000 5 000 5 000 5 000 10 000 10 000 10 000
to a valid claim under 7a or 7 a ove
Exceeding 10 months 100% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received ut atient ental phthal overage nce in a
Cancellation table applicable for Policy Term Years without instalment option Exceeding 4 months up to 6 months 100% of the total premium received 11 Up to 5 000 Up to 5 000 Up to 10 000 Up to 10 000 Up to 10 000 Up to 10 000 Up to 15 000 Up to 15 000 Up to 15 000
loc of every 3 years of continuous rene al
Period on risk Rate of premium to be retained Exceeding 6 months up to 7 months 65% of the total premium received ut atient edical onsultation overage Up to 1 200 Up to 1 500 Up to 2 100 Up to 2 400 Up to 3 000 Up to 3 3 00 Up to 5 000 Up to 5 000 Up to 5 000
12
Up to one month 17.5% of the policy premium Exceeding 7 months up to 10 months 85% of the total premium received other than ut atient ental phthal per onsultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300
Exceeding one month up to 3 months 25% of the policy premium Exceeding 10 months up to 12 months 100% of the total premium received ospital ash upto 7 days per occurrence upto
13 500 per day 750 per day 750 per day 1000 per day 1000 per day 1500 per day 2500 per day 2500 per day 2500 per day
Exceeding 12 months up to 15 months 90% of the total premium received 120 days per policy period. 1 day time excess
Exceeding 3 months up to 6 months 37.5% of the policy premium ealth hec Up once in a loc of every
Exceeding 15 months up to 18 months 100% of the total premium received 14 Up to 2 000 Up to 2 500 Up to 3 000 Up to 4 000 Up to 4 500 Up to 4 500 Up to 5 000 Up to 5 000 Up to 5 000
Exceeding 6 months up to 9 months 47.5% of the policy premium claim free years of continuous rene al
Exceeding 18 months up to 21 months 90% of the total premium received
Exceeding 9 months up to 12 months 57.5% of the policy premium estoration enefit after exhaustion of sum
Exceeding 21 months up to 24 months 100% of the total premium received 15 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period
Exceeding 12 months up to 15 months 67.5% of the policy premium insured pplica le for ection 1 only
Exceeding 24 months up to 27 months 95% of the total premium received 16 ariatric urgery per policy period 2 50 000 2 50 000 2 50 000 2 50 000 5 00 000 5 00 000 5 00 000 5 00 000 5 00 000
Exceeding 15 months up to 18 months 80% of the policy premium Exceeding 27 months up to 30 months 100% of the total premium received over for ccidental eath and
210.00 mm

Exceeding 18 months up to 21 months 90% of the policy premium Exceeding 30 months up to 33 months 92.5% of the total premium received 17 5 00 000 7 50 000 10 00 000 15 00 000 20 00 000 25 00 000 50 00 000 75 00 000 1 00 00 000
ermanent otal isa lement
Exceeding 21 months Full of the policy premium Exceeding 33 months 100% of the total premium received 18 U reatment Up to 15 000 Up to 15 000 Up to 15 000 Up to 15 000 Up to 20 000 Up to 20 000 Up to 30 000 Up to 30 000 Up to 30 000
Cancellation table applicable for Policy Term Years with instalment option of Half-yearly premium payment frequency Cancellation table applicable for Policy Term 3 Years with instalment option of Quarterly premium payment frequency 19 ellness rogram vaila le vaila le vaila le vaila le vaila le vaila le vaila le vaila le vaila le
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained vaila le vaila le vaila le vaila le vaila le vaila le vaila le vaila le vaila le
20 uy ac re Existing iseases
Up to one month 45% of the total premium received Up to one month 87.5% of the total premium received ptional over ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces
Exceeding one month up to 4 months 87.5% of the total premium received from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months
Exceeding one month up to 3 months 100% of the total premium received
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received
Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received µ nstalment Premium ptions lf the insured person has opted for ayment of remium on an instalment asis µ ithdrawal of the policy µ tar d anta es
Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received i.e. alf early or uarterly as mentioned in the policy chedule ertificate of nsurance the follo ing onditions shall i. n the li elihood of this product eing ithdra n in future the ompany ill intimate the insured person a out the  o hird arty dministrator direct in house claims settlement
Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received apply not ithstanding any terms contrary else here in the policy same 90 days prior to expiry of the policy  Faster and hassle free claim settlement
i. race eriod of 7 days ould e given to pay the instalment premium due for the policy
Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received ii. lnsured erson ill have the option to migrate to similar health insurance product availa le ith the ompany at the  ashless hospitali ation
ii. uring such grace period coverage ill not e availa le from the due date of instalment premium till the date of
Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received time of rene al ith all the accrued continuity enefits such as cumulative onus aiver of aiting period as per µ Ta enefits ayment of premium y any mode other than cash for this insurance is eligi le for relief under ection 80 of the
receipt of premium y ompany
Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received guidelines provided the policy has een maintained ithout a rea ncome ax ct 1961.
iii. he insured person ill get the accrued continuity enefit in respect of the aiting eriods pecific aiting
Exceeding 21 months 100% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received eriods in the event of payment of premium ithin the stipulated grace eriod µ utomatic piry he insurance under this policy ith respect to each relevant nsured erson shall expire µ Prohibition of rebates ection 41 of nsurance ct 1938 o person shall allo or offer to allo either directly or indirectly as an
Cancellation table applicable for Policy Term Years with instalment option of Quarterly premium payment frequency Exceeding 15 months up to 16 months 95% of the total premium received inducement to any person to ta e out or rene or continue an insurance in respect of any ind of ris relating to lives or property in
iv. o interest ill e charged lf the instalment premium is not paid on due date immediately on the earlier of the follo ing events
Period on risk Rate of premium to be retained Exceeding 16 months up to 18 months 100% of the total premium received ü Upon the death of the nsured erson. his also means that in case of family floater policy cover for the other ndia any re ate of the hole or part of the commission paya le or any re ate of the premium sho n on the policy nor shall any
v. ln case of instalment premium due not received ithin the grace period the policy ill get cancelled
Up to one month 87.5% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received surviving mem ers of the family ill continue su ect to other terms of the policy person ta ing out or rene ing or continuing a policy accept any re ate except such re ate as may e allo ed in accordance ith
vi. ln the event of a claim all su se uent premium instalments shall immediately ecome due and paya le the pu lished prospectuses or ta les of the insurer. ny person ma ing default in complying ith the provisions of this section shall
Exceeding one month up to 3 months 100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received
vii. he company has the right to recover and deduct all the pending installments from the claim amount due under the policy ü Upon exhaustion of the imit of overage e lia le for a penalty hich may extend to ten la hs rupees.
Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received
Exceeding 22 months up to 24 months 100% of the total premium received µ i ration he insured person ill have the option to migrate the policy to other health insurance products plans offered µ Claim Procedure
Exceeding 4 months up to 6 months 100% of the total premium received y the company y applying for migration of the olicy atleast 30 days efore the policy rene al date as per a. all the 24 hour help line for assistance 1800 425 2255 1800 102 4477 he information provided in this rochure is only indicative.
Exceeding 24 months up to 25 months 97.5% of the total premium received

nsurance is the su ect matter of solicitation

Exceeding 6 months up to 7 months 85% of the total premium received guidelines on igration. lf such person is presently covered and has een continuously covered ithout any lapses under For more details on the ris factors terms and conditions
Exceeding 25 months up to 27 months 100% of the total premium received . nform the num er for easy reference
Exceeding 7 months up to 9 months 100% of the total premium received any health insurance product plan offered y the company the insured person ill get the accrued continuity enefits in please read the policy ordings efore concluding sale
Exceeding 27 months up to 28 months 97.5% of the total premium received aiting periods as per guidelines on migration. c. n admission in the hospital produce the ard issued y the ompany at the ospital elpdes
Exceeding 9 months up to 10 months 85% of the total premium received r
Exceeding 28 months up to 30 months 100% of the total premium received d. tain the re authorisation Form from the ospital elp es complete the atient nformation and resu mit to
Exceeding 10 months up to 12 months 100% of the total premium received or etailed uidelines on mi ration kindly refer the link isit our e site .starhealth.in
Exceeding 30 months up to 31 months 95% of the total premium received https .irdai.gov.in cms frm uidelines ayout.aspx page age o3987 the ospital elp es .
Exceeding 12 months up to 13 months 97.5% of the total premium received
Exceeding 31 months up to 33 months 100% of the total premium received e. n case of emergency hospitali ation information to e given ithin 24 hours after hospitali ation
Exceeding 13 months up to 15 months 100% of the total premium received µ Portability he insured person ill have the option to port the policy to other insurers y applying to such insurer to port IRDAI IS NOT INVOLVED IN
Exceeding 33 months up to 34 months 95% of the total premium received
the entire policy along ith all the mem ers of the family if any at least 45 days efore ut not earlier than 60 days from f. n non net or hospitals payment must e made up front and then reim ursement ill e effected on su mission of
tar Comprehensi e nsurance Policy
Exceeding 15 months up to 16 months 95% of the total premium received nique dentification o H H P ACTIVITIES LIKE SELLING
Exceeding 34 months 100% of the total premium received the policy rene al date as per guidelines related to porta ility. lf such person is presently covered and has een
Exceeding 16 months up to 18 months 100% of the total premium received documents INSURANCE POLICIES, ANNOUNCING
ot ithstanding anything contained herein or other ise no refunds of premium shall e made in respect of ancellation continuously covered ithout any lapses under any health insurance policy ith an lndian eneral ealth insurer the
Exceeding 18 months up to 19 months 95% of the total premium received µ BONUS OR INVESTMENT OF

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here any claim has een admitted or has een lodged or any enefit has een availed y the insured person under the policy. proposed insured person ill get the accrued continuity enefits in aiting periods as per guidelines on porta ility. The Company tar ealth and llied nsurance o. td. commenced its operations in 2006 as ndia s first tandalone uy this nsurance nline at .starhealth.in and avail 5% iscount
Exceeding 19 months up to 21 months 100% of the total premium received For details contact porta ility starhealth.in or call elephone o 91 044 28288869. ealth nsurance provider. s an exclusive ealth nsurer the ompany is providing sterling services in ealth ersonal PREMIUMS. PUBLIC RECEIVING SUCH
ii. he ompany may cancel the policy at any time on grounds of misrepresentation non disclosure of material facts all oll free 1800 425 2255 1800 102 4477 sms to 56677

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Exceeding 21 months up to 22 months 92.5% of the total premium received ccident verseas ravel nsurance and is committed to setting international enchmar s in service and personal Fax oll Free o 1800 425 5522 « Email support starhealth.in PHONE CALLS ARE REQUESTED TO
fraud y the insured person y giving 15 days ritten notice. here ould e no refund of premium on cancellation or etailed uidelines on portability kindly refer the link
LODGE A POLICE COMPLAINT

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Exceeding 22 months 100% of the total premium received on grounds of misrepresentation non disclosure of material facts or fraud https .irdai.gov.in cms frm uidelines ayout.aspx page age o3987 caring. U66010 2005 056649 « egn. o 129

7 8 9 10

735.00 mm
 120.00 mm 120.00 mm 120.00 mm 120.00 mm 127.50 mm 127.50 mm

Cancellation table applicable for Policy Term Year with instalment option of Half-yearly premium payment frequency Cancellation table applicable for Policy Term 3 Years without instalment option CH T
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained o um nsured R lacs lacs lacs lacs lacs lacs lacs lacs lacs
Up to one month 17.5% of the policy premium 1 oom oarding and ursing charges rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle rivate ingle
Up to one month 45% of the total premium received
Exceeding one month up to 3 months 22.5% of the policy premium 2 U peration heatre harges ctual ctual ctual ctual ctual ctual ctual ctual ctual
Exceeding one month up to 4 months 87.5% of the total premium received
3 oad m ulance harges per policy period ctual ctual ctual ctual ctual ctual ctual ctual ctual
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 3 months up to 6 months 30% of the policy premium
Exceeding 6 months up to 9 months 37.5% of the policy premium Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per Up to s.2 50 000 per
Exceeding 6 months up to 7 months 65% of the total premium received 4 ir m ulance per policy period hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding hospitali ation not exceeding
Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 9 months up to 12 months 42.5% of the policy premium s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period s.5 00 000 per policy period
Exceeding 12 months up to 15 months 50% of the policy premium 5 re ospitalisation Expenses incurred Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days
Exceeding 10 months 100% of the total premium received
Exceeding 15 months up to 18 months 57.5% of the policy premium 6 ost ospitalisation Expenses incurred Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days
Cancellation table applicable for Policy Term Year with instalment option of Quarterly premium payment frequency
Exceeding 18 months up to 21 months 65% of the policy premium 7a. elivery harges ormal elivery 15 000 25 000 30 000 30 000 30 000 30 000 50 000 50 000 50 000
Period on risk Rate of premium to be retained
Exceeding 21 months up to 24 months 72.5% of the policy premium 7 . elivery harges aesarean ection 20 000 40 000 50 000 50 000 50 000 50 000 1 00 000 1 00 000 1 00 000
Up to one month 87.5% of the total premium received Exceeding 24 months up to 27 months 80% of the policy premium 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from first 24 months for first delivery from 24 months for first delivery from
Exceeding one month up to 3 months 100% of the total premium received Exceeding 27 months up to 30 months 85% of the policy premium first inception of the policy first inception of the policy first inception of the policy first inception of the policy first inception of the policy first inception of the policy inception of the policy first inception of the policy first inception of the policy
Exceeding 3 months up to 4 months 87.5% of the total premium received 8 aiting eriod for elivery
Exceeding 30 months up to 33 months 92.5% of the policy premium 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 33 months Full of the policy premium 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery 7a or 7 for next delivery
Exceeding 6 months up to 7 months 85% of the total premium received Cancellation table applicable for Policy Term 3 Years with instalment option of Half-yearly premium payment frequency overage for e orn hild u ect to
9 Up to 1 00 000 Up to 1 00 000 Up to 1 00 000 Up to 1 00 000 Up to 1 00 000 Up to 1 00 000 Up to 2 00 000 Up to 2 00 000 Up to 2 00 000
Exceeding 7 months up to 9 months 100% of the total premium received a valid claim under 7a or 7 a ove
Period on risk Rate of premium to be retained
accination Expenses for e orn u ect
Exceeding 9 months up to 10 months 85% of the total premium received Up to one month 45% of the total premium received 10 5 000 5 000 5 000 5 000 5 000 5 000 10 000 10 000 10 000
to a valid claim under 7a or 7 a ove
Exceeding 10 months 100% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received ut atient ental phthal overage nce in a
Cancellation table applicable for Policy Term Years without instalment option Exceeding 4 months up to 6 months 100% of the total premium received 11 Up to 5 000 Up to 5 000 Up to 10 000 Up to 10 000 Up to 10 000 Up to 10 000 Up to 15 000 Up to 15 000 Up to 15 000
loc of every 3 years of continuous rene al
Period on risk Rate of premium to be retained Exceeding 6 months up to 7 months 65% of the total premium received ut atient edical onsultation overage Up to 1 200 Up to 1 500 Up to 2 100 Up to 2 400 Up to 3 000 Up to 3 3 00 Up to 5 000 Up to 5 000 Up to 5 000
12
Up to one month 17.5% of the policy premium Exceeding 7 months up to 10 months 85% of the total premium received other than ut atient ental phthal per onsultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300 per consultation limit s.300
Exceeding one month up to 3 months 25% of the policy premium Exceeding 10 months up to 12 months 100% of the total premium received ospital ash upto 7 days per occurrence upto
13 500 per day 750 per day 750 per day 1000 per day 1000 per day 1500 per day 2500 per day 2500 per day 2500 per day
Exceeding 12 months up to 15 months 90% of the total premium received 120 days per policy period. 1 day time excess
Exceeding 3 months up to 6 months 37.5% of the policy premium ealth hec Up once in a loc of every
Exceeding 15 months up to 18 months 100% of the total premium received 14 Up to 2 000 Up to 2 500 Up to 3 000 Up to 4 000 Up to 4 500 Up to 4 500 Up to 5 000 Up to 5 000 Up to 5 000
Exceeding 6 months up to 9 months 47.5% of the policy premium claim free years of continuous rene al
Exceeding 18 months up to 21 months 90% of the total premium received
Exceeding 9 months up to 12 months 57.5% of the policy premium estoration enefit after exhaustion of sum
Exceeding 21 months up to 24 months 100% of the total premium received 15 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period 100% once during policy period
Exceeding 12 months up to 15 months 67.5% of the policy premium insured pplica le for ection 1 only
Exceeding 24 months up to 27 months 95% of the total premium received 16 ariatric urgery per policy period 2 50 000 2 50 000 2 50 000 2 50 000 5 00 000 5 00 000 5 00 000 5 00 000 5 00 000
Exceeding 15 months up to 18 months 80% of the policy premium Exceeding 27 months up to 30 months 100% of the total premium received over for ccidental eath and
210.00 mm

Exceeding 18 months up to 21 months 90% of the policy premium Exceeding 30 months up to 33 months 92.5% of the total premium received 17 5 00 000 7 50 000 10 00 000 15 00 000 20 00 000 25 00 000 50 00 000 75 00 000 1 00 00 000
ermanent otal isa lement
Exceeding 21 months Full of the policy premium Exceeding 33 months 100% of the total premium received 18 U reatment Up to 15 000 Up to 15 000 Up to 15 000 Up to 15 000 Up to 20 000 Up to 20 000 Up to 30 000 Up to 30 000 Up to 30 000
Cancellation table applicable for Policy Term Years with instalment option of Half-yearly premium payment frequency Cancellation table applicable for Policy Term 3 Years with instalment option of Quarterly premium payment frequency 19 ellness rogram vaila le vaila le vaila le vaila le vaila le vaila le vaila le vaila le vaila le
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained vaila le vaila le vaila le vaila le vaila le vaila le vaila le vaila le vaila le
20 uy ac re Existing iseases
Up to one month 45% of the total premium received Up to one month 87.5% of the total premium received ptional over ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces ote E aiting eriod reduces
Exceeding one month up to 4 months 87.5% of the total premium received from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months
Exceeding one month up to 3 months 100% of the total premium received
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received
Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received µ nstalment Premium ptions lf the insured person has opted for ayment of remium on an instalment asis µ ithdrawal of the policy µ tar d anta es
Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received i.e. alf early or uarterly as mentioned in the policy chedule ertificate of nsurance the follo ing onditions shall i. n the li elihood of this product eing ithdra n in future the ompany ill intimate the insured person a out the  o hird arty dministrator direct in house claims settlement
Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received apply not ithstanding any terms contrary else here in the policy same 90 days prior to expiry of the policy  Faster and hassle free claim settlement
i. race eriod of 7 days ould e given to pay the instalment premium due for the policy
Exceeding 12 months up to 15 months 90% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received ii. lnsured erson ill have the option to migrate to similar health insurance product availa le ith the ompany at the  ashless hospitali ation
ii. uring such grace period coverage ill not e availa le from the due date of instalment premium till the date of
Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received time of rene al ith all the accrued continuity enefits such as cumulative onus aiver of aiting period as per µ Ta enefits ayment of premium y any mode other than cash for this insurance is eligi le for relief under ection 80 of the
receipt of premium y ompany
Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received guidelines provided the policy has een maintained ithout a rea ncome ax ct 1961.
iii. he insured person ill get the accrued continuity enefit in respect of the aiting eriods pecific aiting
Exceeding 21 months 100% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received eriods in the event of payment of premium ithin the stipulated grace eriod µ utomatic piry he insurance under this policy ith respect to each relevant nsured erson shall expire µ Prohibition of rebates ection 41 of nsurance ct 1938 o person shall allo or offer to allo either directly or indirectly as an
Cancellation table applicable for Policy Term Years with instalment option of Quarterly premium payment frequency Exceeding 15 months up to 16 months 95% of the total premium received inducement to any person to ta e out or rene or continue an insurance in respect of any ind of ris relating to lives or property in
iv. o interest ill e charged lf the instalment premium is not paid on due date immediately on the earlier of the follo ing events
Period on risk Rate of premium to be retained Exceeding 16 months up to 18 months 100% of the total premium received ü Upon the death of the nsured erson. his also means that in case of family floater policy cover for the other ndia any re ate of the hole or part of the commission paya le or any re ate of the premium sho n on the policy nor shall any
v. ln case of instalment premium due not received ithin the grace period the policy ill get cancelled
Up to one month 87.5% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received surviving mem ers of the family ill continue su ect to other terms of the policy person ta ing out or rene ing or continuing a policy accept any re ate except such re ate as may e allo ed in accordance ith
vi. ln the event of a claim all su se uent premium instalments shall immediately ecome due and paya le the pu lished prospectuses or ta les of the insurer. ny person ma ing default in complying ith the provisions of this section shall
Exceeding one month up to 3 months 100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received
vii. he company has the right to recover and deduct all the pending installments from the claim amount due under the policy ü Upon exhaustion of the imit of overage e lia le for a penalty hich may extend to ten la hs rupees.
Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received
Exceeding 22 months up to 24 months 100% of the total premium received µ i ration he insured person ill have the option to migrate the policy to other health insurance products plans offered µ Claim Procedure
Exceeding 4 months up to 6 months 100% of the total premium received y the company y applying for migration of the olicy atleast 30 days efore the policy rene al date as per a. all the 24 hour help line for assistance 1800 425 2255 1800 102 4477 he information provided in this rochure is only indicative.
Exceeding 24 months up to 25 months 97.5% of the total premium received

nsurance is the su ect matter of solicitation

Exceeding 6 months up to 7 months 85% of the total premium received guidelines on igration. lf such person is presently covered and has een continuously covered ithout any lapses under For more details on the ris factors terms and conditions
Exceeding 25 months up to 27 months 100% of the total premium received . nform the num er for easy reference
Exceeding 7 months up to 9 months 100% of the total premium received any health insurance product plan offered y the company the insured person ill get the accrued continuity enefits in please read the policy ordings efore concluding sale
Exceeding 27 months up to 28 months 97.5% of the total premium received aiting periods as per guidelines on migration. c. n admission in the hospital produce the ard issued y the ompany at the ospital elpdes
Exceeding 9 months up to 10 months 85% of the total premium received r
Exceeding 28 months up to 30 months 100% of the total premium received d. tain the re authorisation Form from the ospital elp es complete the atient nformation and resu mit to
Exceeding 10 months up to 12 months 100% of the total premium received or etailed uidelines on mi ration kindly refer the link isit our e site .starhealth.in
Exceeding 30 months up to 31 months 95% of the total premium received https .irdai.gov.in cms frm uidelines ayout.aspx page age o3987 the ospital elp es .
Exceeding 12 months up to 13 months 97.5% of the total premium received
Exceeding 31 months up to 33 months 100% of the total premium received e. n case of emergency hospitali ation information to e given ithin 24 hours after hospitali ation
Exceeding 13 months up to 15 months 100% of the total premium received µ Portability he insured person ill have the option to port the policy to other insurers y applying to such insurer to port IRDAI IS NOT INVOLVED IN
Exceeding 33 months up to 34 months 95% of the total premium received
the entire policy along ith all the mem ers of the family if any at least 45 days efore ut not earlier than 60 days from f. n non net or hospitals payment must e made up front and then reim ursement ill e effected on su mission of
tar Comprehensi e nsurance Policy
Exceeding 15 months up to 16 months 95% of the total premium received nique dentification o H H P ACTIVITIES LIKE SELLING
Exceeding 34 months 100% of the total premium received the policy rene al date as per guidelines related to porta ility. lf such person is presently covered and has een
Exceeding 16 months up to 18 months 100% of the total premium received documents INSURANCE POLICIES, ANNOUNCING
ot ithstanding anything contained herein or other ise no refunds of premium shall e made in respect of ancellation continuously covered ithout any lapses under any health insurance policy ith an lndian eneral ealth insurer the
Exceeding 18 months up to 19 months 95% of the total premium received µ BONUS OR INVESTMENT OF

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here any claim has een admitted or has een lodged or any enefit has een availed y the insured person under the policy. proposed insured person ill get the accrued continuity enefits in aiting periods as per guidelines on porta ility. The Company tar ealth and llied nsurance o. td. commenced its operations in 2006 as ndia s first tandalone uy this nsurance nline at .starhealth.in and avail 5% iscount
Exceeding 19 months up to 21 months 100% of the total premium received For details contact porta ility starhealth.in or call elephone o 91 044 28288869. ealth nsurance provider. s an exclusive ealth nsurer the ompany is providing sterling services in ealth ersonal PREMIUMS. PUBLIC RECEIVING SUCH
ii. he ompany may cancel the policy at any time on grounds of misrepresentation non disclosure of material facts all oll free 1800 425 2255 1800 102 4477 sms to 56677

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Exceeding 21 months up to 22 months 92.5% of the total premium received ccident verseas ravel nsurance and is committed to setting international enchmar s in service and personal Fax oll Free o 1800 425 5522 « Email support starhealth.in PHONE CALLS ARE REQUESTED TO
fraud y the insured person y giving 15 days ritten notice. here ould e no refund of premium on cancellation or etailed uidelines on portability kindly refer the link
LODGE A POLICE COMPLAINT

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Exceeding 22 months 100% of the total premium received on grounds of misrepresentation non disclosure of material facts or fraud https .irdai.gov.in cms frm uidelines ayout.aspx page age o3987 caring. U66010 2005 056649 « egn. o 129

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735.00 mm
 120.00 mm 120.00 mm 120.00 mm 120.00 mm 127.50 mm 127.50 mm

Cancellation table applicable for Policy Term 1 Year with instalment option of Half-yearly premium payment frequency Cancellation table applicable for Policy Term 3 Years without instalment option SCHEDULE OF BENEFTIS
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained S.No. Sum Insured (INR) 5 lacs 7.5 lacs 10 lacs 15 lacs 20 lacs 25 lacs 50 lacs 75 lacs 100 lacs
Up to one month 17.5% of the policy premium 1 Room, Boarding and Nursing charges Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C Private Single A/C
Up to one month 45% of the total premium received
Exceeding one month up to 3 months 22.5% of the policy premium 2 ICU/Operation Theatre Charges Actual Actual Actual Actual Actual Actual Actual Actual Actual
Exceeding one month up to 4 months 87.5% of the total premium received
3 Road Ambulance Charges (per policy period) Actual Actual Actual Actual Actual Actual Actual Actual Actual
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 3 months up to 6 months 30% of the policy premium
Exceeding 6 months up to 9 months 37.5% of the policy premium Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per Up to Rs.2,50,000 per
Exceeding 6 months up to 7 months 65% of the total premium received 4 Air Ambulance (per policy period) hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding hospitalization, not exceeding
Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 9 months up to 12 months 42.5% of the policy premium Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period Rs.5,00,000/- per policy period
Exceeding 12 months up to 15 months 50% of the policy premium 5 Pre Hospitalisation Expenses incurred Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days Up to 60 days
Exceeding 10 months 100% of the total premium received
Exceeding 15 months up to 18 months 57.5% of the policy premium 6 Post Hospitalisation Expenses incurred Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days Up to 90 days
Cancellation table applicable for Policy Term 1 Year with instalment option of Quarterly premium payment frequency
Exceeding 18 months up to 21 months 65% of the policy premium 7a. Delivery Charges – Normal Delivery 15,000/- 25,000/- 30,000/- 30,000/- 30,000/- 30,000/- 50,000/- 50,000/- 50,000/-
Period on risk Rate of premium to be retained
Exceeding 21 months up to 24 months 72.5% of the policy premium 7b. Delivery Charges – Caesarean Section 20,000/- 40,000/- 50,000/- 50,000/- 50,000/- 50,000/- 1,00,000/- 1,00,000/- 1,00,000/-
Up to one month 87.5% of the total premium received Exceeding 24 months up to 27 months 80% of the policy premium 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from 24 months for first delivery from first 24 months for first delivery from 24 months for first delivery from
Exceeding one month up to 3 months 100% of the total premium received Exceeding 27 months up to 30 months 85% of the policy premium first inception of the policy first inception of the policy first inception of the policy first inception of the policy first inception of the policy first inception of the policy inception of the policy first inception of the policy first inception of the policy
Exceeding 3 months up to 4 months 87.5% of the total premium received 8 Waiting Period for Delivery
Exceeding 30 months up to 33 months 92.5% of the policy premium 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under 24 months from claim under
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 33 months Full of the policy premium 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery 7a or 7b for next delivery
Exceeding 6 months up to 7 months 85% of the total premium received Cancellation table applicable for Policy Term 3 Years with instalment option of Half-yearly premium payment frequency Coverage for New Born Child (Subject to
9 Up to 1,00,000/- Up to 1,00,000/- Up to 1,00,000/- Up to 1,00,000/- Up to 1,00,000/- Up to 1,00,000/- Up to 2,00,000/- Up to 2,00,000/- Up to 2,00,000/-
Exceeding 7 months up to 9 months 100% of the total premium received a valid claim under 7a or 7b above)
Period on risk Rate of premium to be retained
Vaccination Expenses for New Born (Subject
Exceeding 9 months up to 10 months 85% of the total premium received Up to one month 45% of the total premium received 10 5,000/- 5,000/- 5,000/- 5,000/- 5,000/- 5,000/- 10,000/- 10,000/- 10,000/-
to a valid claim under 7a or 7b above)
Exceeding 10 months 100% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Out Patient Dental/Ophthal Coverage- Once in a
Cancellation table applicable for Policy Term 2 Years without instalment option Exceeding 4 months up to 6 months 100% of the total premium received 11 Up to 5,000/- Up to 5,000/- Up to 10,000/- Up to 10,000/- Up to 10,000/- Up to 10,000/- Up to 15,000/- Up to 15,000/- Up to 15,000/-
block of every 3 years of continuous renewal
Period on risk Rate of premium to be retained Exceeding 6 months up to 7 months 65% of the total premium received Out Patient Medical Consultation Coverage Up to 1,200/- Up to 1,500/- Up to 2,100/- Up to 2,400/- Up to 3,000/- Up to 3,3 00/- Up to 5,000/- Up to 5,000/- Up to 5,000/-
12
Up to one month 17.5% of the policy premium Exceeding 7 months up to 10 months 85% of the total premium received other than Out Patient Dental/ Ophthal (per Consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-) (per consultation limit Rs.300/-)
Exceeding one month up to 3 months 25% of the policy premium Exceeding 10 months up to 12 months 100% of the total premium received Hospital Cash upto 7 days per occurrence & upto
13 500/- per day 750/- per day 750/- per day 1000/- per day 1000/- per day 1500/- per day 2500/- per day 2500/- per day 2500/- per day
Exceeding 12 months up to 15 months 90% of the total premium received 120 days per policy period. (1 day time excess)
Exceeding 3 months up to 6 months 37.5% of the policy premium Health Check Up once in a block of every
Exceeding 15 months up to 18 months 100% of the total premium received 14 Up to 2,000/- Up to 2,500/- Up to 3,000/- Up to 4,000/- Up to 4,500/- Up to 4,500/- Up to 5,000/- Up to 5,000/- Up to 5,000/-
Exceeding 6 months up to 9 months 47.5% of the policy premium claim free years of continuous renewal
Exceeding 18 months up to 21 months 90% of the total premium received
Exceeding 9 months up to 12 months 57.5% of the policy premium Restoration benefit after exhaustion of sum
Exceeding 21 months up to 24 months 100% of the total premium received 15 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period) 100% (once during policy period)
Exceeding 12 months up to 15 months 67.5% of the policy premium insured(Applicable for Section 1 only)
Exceeding 24 months up to 27 months 95% of the total premium received 16 Bariatric Surgery (per policy period) 2,50,000/- 2,50,000/- 2,50,000/- 2,50,000/- 5,00,000/- 5,00,000/- 5,00,000/- 5,00,000/- 5,00,000/-
Exceeding 15 months up to 18 months 80% of the policy premium Exceeding 27 months up to 30 months 100% of the total premium received Cover for Accidental Death and
210.00 mm

Exceeding 18 months up to 21 months 90% of the policy premium Exceeding 30 months up to 33 months 92.5% of the total premium received 17 5,00,000/- 7,50,000/- 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- 50,00,000/- 75,00,000/- 1,00,00,000/-
Permanent Total Disablement
Exceeding 21 months Full of the policy premium Exceeding 33 months 100% of the total premium received 18 AYUSH Treatment Up to 15,000/- Up to 15,000/- Up to 15,000/- Up to 15,000/- Up to 20,000/- Up to 20,000/- Up to 30,000/- Up to 30,000/- Up to 30,000/-
Cancellation table applicable for Policy Term 2 Years with instalment option of Half-yearly premium payment frequency Cancellation table applicable for Policy Term 3 Years with instalment option of Quarterly premium payment frequency 19 Wellness Program Available Available Available Available Available Available Available Available Available
Period on risk Rate of premium to be retained Period on risk Rate of premium to be retained Available Available Available Available Available Available Available Available Available
20 Buy Back Pre-Existing Diseases
Up to one month 45% of the total premium received Up to one month 87.5% of the total premium received (Optional Cover) Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces Note: PED Waiting Period reduces
Exceeding one month up to 4 months 87.5% of the total premium received from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months from 36 months to 12 months
Exceeding one month up to 3 months 100% of the total premium received
Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received
Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received µ Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis µ Withdrawal of the policy µ TAXES ARE SUBJECT TO CHANGES IN TAX LAWS
Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received i.e. Half Yearly or Quarterly as mentioned in the policy Schedule/Certificate of Insurance, the following Conditions shall i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the
same 90 days prior to expiry of the policy µ Star Advantages
Exceeding 10 months up to 12 months 100% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received apply (notwithstanding any terms contrary elsewhere in the policy);
i. Grace Period of 7 days would be given to pay the instalment premium due for the policy · No Third Party Administrator, direct in-house claims settlement
Exceeding 9 months up to 10 months 85% of the total premium received ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the
Exceeding 12 months up to 15 months 90% of the total premium received time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per · Faster and hassle – free claim settlement
ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of
Exceeding 15 months up to 18 months 100% of the total premium received Exceeding 10 months up to 12 months 100% of the total premium received IRDAI guidelines, provided the policy has been maintained without a break · Cashless hospitalization
receipt of premium by Company
Exceeding 18 months up to 21 months 90% of the total premium received Exceeding 12 months up to 13 months 97.5% of the total premium received
iii. The insured person will get the accrued continuity benefit in respect of the "Waiting Periods", "Specific Waiting µ Automatic Expiry: The insurance under this policy with respect to each relevant Insured Person shall expire µ Prohibition of rebates: (Section 41 of Insurance Act 1938): No person shall allow or offer to allow, either directly or indirectly, as
Exceeding 21 months 100% of the total premium received Exceeding 13 months up to 15 months 100% of the total premium received Periods" in the event of payment of premium within the stipulated grace Period immediately on the earlier of the following events; an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property
Cancellation table applicable for Policy Term 2 Years with instalment option of Quarterly premium payment frequency Exceeding 15 months up to 16 months 95% of the total premium received ü Upon the death of the Insured Person. This also means that in case of family floater policy, cover for the other
iv. No interest will be charged lf the instalment premium is not paid on due date in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any
Period on risk Rate of premium to be retained Exceeding 16 months up to 18 months 100% of the total premium received surviving members of the family will continue, subject to other terms of the policy person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with
v. ln case of instalment premium due not received within the grace period, the policy will get cancelled
Up to one month 87.5% of the total premium received Exceeding 18 months up to 19 months 95% of the total premium received ü Upon exhaustion of the Limit of Coverage the published prospectuses or tables of the insurer. Any person making default in complying with the provisions of this section
vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable
Exceeding one month up to 3 months 100% of the total premium received Exceeding 19 months up to 21 months 100% of the total premium received shall be liable for a penalty which may extend to ten lakhs rupees.
vii. The company has the right to recover and deduct all the pending installments from the claim amount due under the policy µ Claim Procedure
Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 21 months up to 22 months 92.5% of the total premium received a. For assistance call 24 hours help-line 044-69006900 or Toll Free No. 1800 425 2255. Senior Citizens may call at The information provided in this brochure is only indicative.
Exceeding 22 months up to 24 months 100% of the total premium received µ Migration: The insured person will have the option to migrate the policy to other health insurance products/plans offered 044-40020888 For more details on the risk factors, terms and conditions,
Exceeding 4 months up to 6 months 100% of the total premium received by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI
Exceeding 24 months up to 25 months 97.5% of the total premium received b. Inform the ID number for easy reference please read the policy wordings before concluding sale

Insurance is the subject matter of solicitation

Exceeding 6 months up to 7 months 85% of the total premium received guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under
Exceeding 25 months up to 27 months 100% of the total premium received c. On admission in the hospital, produce the ID Card issued by the Company at the Hospital Helpdesk Or
Exceeding 7 months up to 9 months 100% of the total premium received any health insurance product/plan offered by the company, the insured person will get the accrued continuity benefits in Visit our website www.starhealth.in
Exceeding 27 months up to 28 months 97.5% of the total premium received waiting periods as per IRDAI guidelines on migration. d. Obtain the Pre-authorisation Form from the Hospital Help Desk, complete the Patient Information and resubmit to
Exceeding 9 months up to 10 months 85% of the total premium received
Exceeding 28 months up to 30 months 100% of the total premium received the Hospital Help Desk.
Exceeding 10 months up to 12 months 100% of the total premium received
Exceeding 30 months up to 31 months 95% of the total premium received
For Detailed Guidelines on migration, kindly refer the link
e. In case of emergency hospitalization, information to be given within 24 hours after hospitalization
Star Comprehensive Insurance Policy
Exceeding 12 months up to 13 months 97.5% of the total premium received https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 Unique Identification No.: SHAHLIP22028V072122
Exceeding 31 months up to 33 months 100% of the total premium received f. In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of

BRO / COMP / V.14 / 2023

Exceeding 13 months up to 15 months 100% of the total premium received µ Portability: The insured person will have the option to port the policy to other insurers by applying to such insurer to port documents IRDAI IS NOT INVOLVED IN
Exceeding 33 months up to 34 months 95% of the total premium received Buy this Insurance Online at www.starhealth.in
Exceeding 15 months up to 16 months 95% of the total premium received the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from ACTIVITIES LIKE SELLING
Exceeding 34 months 100% of the total premium received g. KYC (Identity proof with Address) of the proposer, as per AML Guidelines and avail 5% Discount
Exceeding 16 months up to 18 months 100% of the total premium received the policy renewal date as per IRDAI guidelines related to portability. lf such person is presently covered and has been INSURANCE POLICIES, ANNOUNCING
Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation continuously covered without any lapses under any health insurance policy with an lndian General/Health insurer, the µ The Company: Star Health and Allied Insurance Co. Ltd., commenced its operations in 2006 as India's first Standalone
Exceeding 18 months up to 19 months 95% of the total premium received Health Insurance provider. As an exclusive Health Insurer, the Company is providing sterling services in Health, Personal BONUS OR INVESTMENT OF
where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy. proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability. Customer Care Number: 044 69006900 | Toll free: 1800 425 2255
Exceeding 19 months up to 21 months 100% of the total premium received For details contact “portability@starhealth.in” or call Telephone No +91-044-28288869. Accident & Overseas Travel Insurance and is committed to setting international benchmarks in service and personal caring. Chat: +91 9597652225 | sms: STAR to 56677 PREMIUMS. PUBLIC RECEIVING SUCH
ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, PHONE CALLS ARE REQUESTED TO
Exceeding 21 months up to 22 months 92.5% of the total premium received fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation For Detailed Guidelines on portability, kindly refer the link µ Tax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of Email: support@starhealth.in
Exceeding 22 months 100% of the total premium received on grounds of misrepresentation, non-disclosure of material facts or fraud https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 the Income Tax Act 1961. CIN: L66010TN2005PLC056649 | IRDAI Regn. No: 129 LODGE A POLICE COMPLAINT

7 8 9 10

735.00 mm
 PREMIUM CHART FOR 3 YEARS (EXCLUDING TAX) (IN RS.) PREMIUM CHART – STAR COMPREHENSIVE INSURANCE POLICY
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 UIN No. SHAHLIP22028V072122 - BRO / COMP / V.14 / 2023
3m-33 29,228 37,335 43,646 54,866 63,281 70,293 77,334 83,912 89,788
34 30,818 40,158 46,713 57,933 66,348 73,360 80,705 87,567 93,701
PREMIUM CHART FOR 1 YEAR (EXCLUDING TAX) (IN RS.)
35 32,407 42,982 49,779 60,999 69,414 76,427 84,075 91,223 97,614 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
36-43 33,997 45,806 52,846 64,066 72,481 79,494 87,446 94,879 1,01,527 3m-35 7,015 8,540 9,725 12,225 14,100 15,265 16,795 18,225 19,505
44 43,608 56,736 66,890 78,110 86,525 93,537 1,02,897 1,11,644 1,19,465 36-45 8,075 10,125 11,775 14,275 16,150 17,615 19,380 21,030 22,505
45 53,220 67,666 80,934 92,154 1,00,569 1,07,581 1,18,348 1,28,408 1,37,403 46-50 13,200 16,865 19,865 22,365 24,435 26,215 28,840 31,295 33,490
46-48 62,832 78,596 94,977 1,06,197 1,14,612 1,21,625 1,33,799 1,45,173 1,55,341 51-55 16,100 19,635 22,395 26,410 29,875 32,140 35,355 38,365 41,055
49 63,991 79,999 96,819 1,08,507 1,16,922 1,24,121 1,36,543 1,48,151 1,58,529 1A 56-60 18,700 22,885 26,170 30,985 34,920 37,665 41,435 44,960 48,110
50 65,151 81,401 98,661 1,10,816 1,19,231 1,26,618 1,39,287 1,51,129 1,61,718 61-65 25,750 30,625 34,295 40,610 44,780 47,555 52,315 56,765 60,740
51-53 66,310 82,804 1,00,503 1,13,126 1,21,541 1,29,114 1,42,031 1,54,107 1,64,906 66-70 35,315 40,830 44,745 49,335 51,730 53,885 59,275 64,315 68,820
54 70,910 88,554 1,07,647 1,20,269 1,28,684 1,36,258 1,49,890 1,62,634 1,74,027
71-75 41,410 49,255 55,170 61,935 64,940 67,655 74,425 80,755 86,410
55 75,511 94,304 1,14,790 1,27,412 1,35,827 1,43,401 1,57,749 1,71,161 1,83,148
>75 54,235 64,190 71,625 79,810 83,680 87,180 95,900 1,04,055 1,11,340
2A 56-58 80,111 1,00,054 1,21,933 1,34,556 1,42,971 1,50,544 1,65,607 1,79,688 1,92,269
59 89,685 1,10,676 1,34,836 1,47,459 1,55,874 1,63,447 1,79,801 1,95,088 2,08,748 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
60 99,260 1,21,298 1,47,739 1,60,362 1,68,777 1,76,350 1,93,994 2,10,487 2,25,227 3m-35 9,180 11,340 13,250 16,230 18,730 21,130 23,245 25,225 26,995
61-63 1,08,834 1,31,919 1,60,642 1,73,265 1,81,680 1,89,253 2,08,187 2,25,887 2,41,707 36-45 10,120 12,340 14,670 18,400 20,900 23,900 26,290 28,525 30,525
64 1,17,904 1,42,915 1,74,032 1,84,821 1,93,797 2,01,876 2,22,072 2,40,954 2,57,831 46-50 14,240 17,170 20,710 25,710 28,210 31,210 34,335 37,255 39,865
65 1,26,973 1,53,910 1,87,421 1,96,378 2,05,915 2,14,498 2,35,957 2,56,022 2,73,955 51-55 16,190 20,600 24,590 29,590 32,590 35,590 39,150 42,480 45,455
66-68 1,36,043 1,64,906 2,00,810 2,07,935 2,18,033 2,27,121 2,49,841 2,71,089 2,90,079 1A+1C 56-60 19,700 26,880 32,300 37,300 40,300 43,300 47,630 51,680 55,300
69 1,49,647 1,81,399 2,20,894 2,28,729 2,39,837 2,49,841 2,74,834 2,98,204 3,19,092 61-65 31,420 37,660 44,972 51,472 58,431 73,931 81,325 88,240 94,420
70 1,63,251 1,97,893 2,40,978 2,49,523 2,61,641 2,72,562 2,99,826 3,25,319 3,48,105 66-70 39,280 47,080 56,220 61,770 70,120 88,720 97,595 1,05,895 1,13,310
71-73 1,76,855 2,14,386 2,61,061 2,70,318 2,83,445 2,95,282 3,24,819 3,52,434 3,77,118 71-75 51,070 61,210 73,090 80,310 91,160 1,15,340 1,26,875 1,37,660 1,47,300
74 1,94,545 2,35,826 2,87,176 2,97,358 3,11,794 3,24,819 3,57,310 3,87,688 4,14,836 >75 66,400 79,580 95,020 1,04,410 1,18,510 1,49,950 1,64,945 1,78,970 1,91,500
75 2,12,236 2,57,265 3,13,290 3,24,398 3,40,144 3,54,356 3,89,802 4,22,943 4,52,554
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
>75 2,29,926 2,78,705 3,39,405 3,51,438 3,68,493 3,83,892 4,22,293 4,58,197 4,90,272
3m-35 10,950 13,330 15,000 19,000 21,630 24,130 26,545 28,805 30,825
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
36-45 12,020 14,490 16,540 21,540 24,810 27,810 30,595 33,200 35,525
3m-33 36,942 46,731 53,604 66,647 75,062 82,074 90,293 97,979 1,04,851
46-50 19,480 23,330 26,920 31,920 34,920 37,920 41,715 45,265 48,435
34 38,036 48,405 55,848 69,218 77,633 84,646 93,121 1,01,045 1,08,128
35 39,130 50,079 58,092 71,789 80,204 87,217 95,950 1,04,112 1,11,405 51-55 20,510 24,600 29,040 34,040 37,040 40,040 44,045 47,790 51,140
36-43 40,224 51,752 60,336 74,361 82,776 89,788 98,778 1,07,179 1,14,682 1A+2C 56-60 23,580 29,470 35,060 42,060 45,560 49,560 54,520 59,155 63,300
44 48,826 61,916 72,865 86,890 95,305 1,02,317 1,12,560 1,22,134 1,30,685 61-65 36,990 44,059 47,226 53,726 76,588 94,088 1,03,500 1,12,300 1,20,165
45 57,428 72,079 85,394 99,419 1,07,834 1,14,846 1,26,342 1,37,090 1,46,687 66-70 46,240 55,080 59,040 64,480 91,910 1,12,910 1,24,205 1,34,765 1,44,200
46-48 66,030 82,243 97,923 1,11,948 1,20,363 1,27,375 1,40,124 1,52,045 1,62,690 71-75 60,120 71,610 76,760 83,830 1,19,490 1,46,790 1,61,470 1,75,195 1,87,460
49 68,152 85,010 1,01,513 1,16,005 1,24,607 1,31,807 1,44,995 1,57,328 1,68,342 >75 78,160 93,100 99,790 1,08,980 1,55,340 1,90,830 2,09,915 2,27,760 2,43,705
50 70,275 87,778 1,05,103 1,20,063 1,28,852 1,36,239 1,49,866 1,62,611 1,73,994 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
51-53 72,397 90,545 1,08,694 1,24,121 1,33,097 1,40,671 1,54,738 1,67,893 1,79,646 3m-35 15,590 18,990 20,950 26,450 29,810 33,310 36,645 39,760 42,545
54 77,315 96,183 1,15,042 1,30,470 1,39,726 1,47,300 1,62,031 1,75,808 1,88,117 36-45 17,060 20,620 23,030 29,530 33,640 37,340 41,075 44,570 47,690
55 82,233 1,01,822 1,21,391 1,36,819 1,46,356 1,53,929 1,69,324 1,83,723 1,96,588
46-50 23,460 28,840 33,250 43,250 48,250 52,250 57,475 62,365 66,735
2A+1C 56-58 87,151 1,07,460 1,27,740 1,43,167 1,52,985 1,60,558 1,76,617 1,91,638 2,05,060
51-55 26,900 33,550 39,250 50,250 55,250 59,250 65,175 70,715 75,670
59 1,04,664 1,27,024 1,53,403 1,71,869 1,92,906 2,14,318 2,35,756 2,55,802 2,73,717
1A+3C 56-60 30,270 38,010 44,900 58,900 64,400 69,400 76,340 82,830 88,630
60 1,22,176 1,46,589 1,79,066 2,00,571 2,32,828 2,68,078 2,94,894 3,19,966 3,42,374
61-63 1,39,689 1,66,154 2,04,729 2,29,272 2,72,750 3,21,837 3,54,033 3,84,131 4,11,031 61-65 41,360 49,066 60,670 73,170 94,745 1,12,245 1,23,470 1,33,965 1,43,345
64 1,51,330 1,80,006 2,21,795 2,44,562 2,90,938 3,43,298 3,77,637 4,09,740 4,38,431 66-70 51,700 61,340 75,840 87,810 1,13,700 1,34,700 1,48,170 1,60,765 1,72,020
65 1,62,971 1,93,858 2,38,862 2,59,852 3,09,127 3,64,759 4,01,241 4,35,350 4,65,831 71-75 67,210 79,750 98,600 1,14,160 1,47,810 1,75,110 1,92,625 2,09,000 2,23,630
66-68 1,74,611 2,07,710 2,55,928 2,75,142 3,27,315 3,86,220 4,24,845 4,60,960 4,93,231 >75 87,380 1,03,680 1,28,180 1,48,410 1,92,160 2,27,650 2,50,415 2,71,705 2,90,725
69 1,92,077 2,28,486 2,81,529 3,02,660 3,60,050 4,24,845 4,67,332 5,07,060 5,42,557 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
70 2,09,543 2,49,262 3,07,129 3,30,177 3,92,784 4,63,470 5,09,818 5,53,160 5,91,883 3m-35 10,420 13,310 15,560 19,560 22,560 25,060 27,570 29,915 32,010
71-73 2,27,009 2,70,037 3,32,729 3,57,694 4,25,519 5,02,095 5,52,305 5,99,260 6,41,209 36-45 12,120 16,330 18,840 22,840 25,840 28,340 31,175 33,825 36,195
74 2,49,710 2,97,050 3,66,006 3,93,467 4,68,070 5,52,305 6,07,535 6,59,184 7,05,331 46-50 22,400 28,020 33,860 37,860 40,860 43,360 47,700 51,755 55,380
75 2,72,412 3,24,062 3,99,282 4,29,240 5,10,622 6,02,514 6,62,765 7,19,109 7,69,454 51-55 23,640 29,520 35,830 40,330 43,330 46,030 50,635 54,940 58,790
>75 2,95,114 3,51,074 4,32,559 4,65,013 5,53,174 6,52,724 7,17,996 7,79,033 8,33,576
2A 56-60 28,560 35,670 43,470 47,970 50,970 53,670 59,040 64,060 68,545
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
61-65 38,800 47,030 57,270 61,770 64,770 67,470 74,220 80,530 86,170
3m-33 41,514 51,836 58,681 71,696 80,111 87,684 96,464 1,04,669 1,12,004
34 43,019 53,501 61,112 74,463 82,878 90,452 99,507 1,07,969 1,15,533 66-70 48,500 58,790 71,590 74,130 77,730 80,970 89,070 96,645 1,03,415
35 44,525 55,165 63,543 77,231 85,646 93,220 1,02,551 1,11,270 1,19,063 71-75 63,050 76,430 93,070 96,370 1,01,050 1,05,270 1,15,800 1,25,645 1,34,445
36-43 46,030 56,829 65,974 79,999 88,414 95,987 1,05,594 1,14,570 1,22,593 >75 81,970 99,360 1,21,000 1,25,290 1,31,370 1,36,860 1,50,550 1,63,350 1,74,785
44 54,426 67,339 78,662 92,687 1,01,102 1,08,675 1,19,549 1,29,713 1,38,796 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
45 62,823 77,848 91,350 1,05,375 1,13,790 1,21,363 1,33,504 1,44,855 1,55,000 3m-35 13,170 16,660 19,110 23,760 26,760 29,260 32,190 34,930 37,380
46-48 71,219 88,358 1,04,037 1,18,062 1,26,477 1,34,051 1,47,459 1,59,997 1,71,203 36-45 14,340 18,450 21,510 26,510 29,510 32,010 35,215 38,210 40,885
49 73,818 91,583 1,08,264 1,22,289 1,31,171 1,39,025 1,52,933 1,65,939 1,77,561 46-50 23,540 29,320 34,910 39,910 42,910 45,410 49,955 54,205 58,000
50 76,418 94,809 1,12,490 1,26,515 1,35,865 1,43,999 1,58,408 1,71,881 1,83,919 51-55 25,810 32,280 38,750 44,250 47,450 50,150 55,165 59,855 64,045
51-53 79,017 98,035 1,16,716 1,30,741 1,40,559 1,48,974 1,63,882 1,77,823 1,90,277 2A+1C 56-60 31,070 38,310 45,540 51,040 54,540 57,240 62,965 68,320 73,105
54 83,841 1,04,019 1,24,159 1,38,651 1,48,469 1,56,884 1,72,582 1,87,262 2,00,375
61-65 49,800 59,235 72,987 81,737 97,237 1,14,737 1,26,215 1,36,945 1,46,535
55 88,666 1,10,003 1,31,601 1,46,561 1,56,379 1,64,794 1,81,282 1,96,701 2,10,473
66-70 62,250 74,050 91,240 98,090 1,16,690 1,37,690 1,51,460 1,64,335 1,75,840
2A+2C 56-58 93,491 1,15,987 1,39,044 1,54,471 1,64,289 1,72,704 1,89,983 2,06,139 2,20,571
59 1,12,256 1,37,524 1,65,078 1,83,544 2,04,582 2,26,554 2,49,220 2,70,411 2,89,345 71-75 80,930 96,270 1,18,620 1,27,520 1,51,700 1,79,000 1,96,900 2,13,640 2,28,595
60 1,31,022 1,59,060 1,91,112 2,12,617 2,44,875 2,80,405 3,08,457 3,34,683 3,58,119 >75 1,05,210 1,25,160 1,54,210 1,65,780 1,97,210 2,32,700 2,55,970 2,77,730 2,97,175
61-63 1,49,787 1,80,597 2,17,146 2,41,690 2,85,168 3,34,255 3,67,693 3,98,955 4,26,893 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
64 1,62,269 1,95,647 2,35,244 2,57,806 3,04,182 3,56,542 3,92,204 4,25,551 4,55,350 3m-35 14,800 18,480 20,920 25,560 28,560 31,260 34,390 37,315 39,930
65 1,74,752 2,10,697 2,53,342 2,73,921 3,23,196 3,78,828 4,16,715 4,52,147 4,83,806 36-45 16,410 20,260 23,520 28,520 31,520 34,220 37,645 40,845 43,705
66-68 1,87,234 2,25,746 2,71,440 2,90,037 3,42,210 4,01,115 4,41,227 4,78,743 5,12,263 46-50 25,390 31,500 37,090 42,090 45,090 47,790 52,570 57,040 61,035
69 2,05,962 2,48,327 2,98,592 3,19,041 3,76,431 4,41,227 4,85,349 5,26,615 5,63,487 51-55 28,170 34,950 41,610 46,610 50,110 53,110 58,425 63,395 67,835
70 2,24,690 2,70,907 3,25,745 3,48,044 4,10,652 4,81,338 5,29,472 5,74,487 6,14,711 2A+2C 56-60 33,330 41,350 49,570 55,070 58,570 61,570 67,730 73,490 78,635
71-73 2,43,418 2,93,487 3,52,897 3,77,048 4,44,873 5,21,450 5,73,594 6,22,359 6,65,935 61-65 53,400 64,384 77,414 86,164 1,01,664 1,19,164 1,31,085 1,42,230 1,52,190
74 2,67,765 3,22,837 3,88,193 4,14,757 4,89,360 5,73,594 6,30,957 6,84,598 7,32,530 66-70 66,750 80,480 96,770 1,03,400 1,22,000 1,43,000 1,57,300 1,70,675 1,82,625
75 2,92,113 3,52,186 4,23,490 4,52,465 5,33,848 6,25,739 6,88,319 7,46,836 7,99,126 71-75 86,780 1,04,630 1,25,810 1,34,420 1,58,600 1,85,900 2,04,490 2,21,875 2,37,410
>75 3,16,460 3,81,536 4,58,786 4,90,174 5,78,335 6,77,884 7,45,681 8,09,074 8,65,721
>75 1,12,820 1,36,020 1,63,560 1,74,750 2,06,180 2,41,670 2,65,840 2,88,440 3,08,635
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
3m-33 47,685 58,961 66,282 85,917 98,427 1,09,704 1,20,685 1,30,951 1,40,124 3m-35 17,000 21,020 23,630 30,630 35,090 39,110 43,025 46,685 49,955
34 49,695 60,794 68,694 88,329 1,00,877 1,12,135 1,23,359 1,33,855 1,43,233
36-45 19,150 22,980 26,210 33,210 37,710 41,710 45,885 49,790 53,280
35 51,706 62,626 71,107 90,742 1,03,327 1,14,566 1,26,033 1,36,758 1,46,342
46-50 28,510 34,470 39,480 46,480 50,980 54,980 60,480 65,625 70,220
36-43 53,716 64,459 73,519 93,154 1,05,777 1,16,997 1,28,707 1,39,661 1,49,450
51-55 31,200 38,380 44,000 51,500 56,000 60,500 66,550 72,210 77,265
44 62,467 75,202 85,927 1,05,562 1,18,184 1,29,404 1,42,354 1,54,467 1,65,289
45 71,219 85,945 98,334 1,17,969 1,30,591 1,41,811 1,56,000 1,69,272 1,81,128 2A+3C 56-60 36,430 45,430 54,150 65,150 70,650 76,150 83,765 90,890 97,255
46-48 79,971 96,688 1,10,741 1,30,376 1,42,999 1,54,219 1,69,646 1,84,078 1,96,967 61-65 56,000 66,731 81,103 93,603 1,09,103 1,26,603 1,39,265 1,51,105 1,61,685
49 82,486 1,00,344 1,14,968 1,35,070 1,47,693 1,59,380 1,75,322 1,90,235 2,03,554 66-70 70,000 83,420 1,01,380 1,12,330 1,30,930 1,51,930 1,67,125 1,81,335 1,94,030
50 85,001 1,04,000 1,19,194 1,39,764 1,52,386 1,64,541 1,80,997 1,96,392 2,10,141 71-75 91,000 1,08,450 1,31,800 1,46,030 1,70,210 1,97,510 2,17,265 2,35,735 2,52,240
51-53 87,516 1,07,656 1,23,420 1,44,458 1,57,080 1,69,703 1,86,673 2,02,549 2,16,728 >75 1,18,300 1,40,990 1,71,340 1,89,840 2,21,280 2,56,770 2,82,450 3,06,460 3,27,915
54 92,406 1,14,248 1,32,910 1,57,220 1,70,778 1,84,335 2,02,769 2,20,015 2,35,419
55 97,296 1,20,839 1,42,401 1,69,983 1,84,476 1,98,968 2,18,865 2,37,481 2,54,110
2A+3C 56-58 1,02,186 1,27,431 1,51,891 1,82,746 1,98,173 2,13,601 2,34,961 2,54,946 2,72,800
PREMIUM FOR MIDTERM INCLUSION – POLICY TERM 1 YEAR
59 1,20,484 1,47,348 1,77,092 2,09,349 2,34,127 2,60,774 2,86,853 3,11,247 3,33,042 Risk period 1 mth 3 mths 6 mths 9 mths >9 mnths
60 1,38,782 1,67,264 2,02,293 2,35,953 2,70,080 3,07,948 3,38,746 3,67,549 3,93,284
Refund on existing plan 77.5% 62.5% 42.5% 20.0%
61-63 1,57,080 1,87,180 2,27,494 2,62,556 3,06,034 3,55,121 3,90,638 4,23,850 4,53,526 NA
64 1,70,170 2,02,785 2,46,453 2,80,066 3,26,442 3,78,802 4,16,687 4,52,115 4,83,769 % to be charged on proposed plan 77.5% 62.5% 42.5% 20.0%
65 1,83,260 2,18,389 2,65,412 2,97,576 3,46,850 4,02,483 4,42,737 4,80,380 5,14,012
66-68 1,96,350 2,33,993 2,84,371 3,15,086 3,67,259 4,26,164 4,68,786 5,08,645 5,44,254
69 2,15,985 2,57,396 3,12,814 3,46,595 4,03,985 4,68,781 5,15,667 5,59,509 5,98,681
PREMIUM CHART FOR 2 YEARS (EXCLUDING TAX) (IN RS.)
70 2,35,620 2,80,799 3,41,256 3,78,105 4,40,712 5,11,398 5,62,547 6,10,373 6,53,107 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
71-73 2,55,255 3,04,202 3,69,699 4,09,614 4,77,439 5,54,016 6,09,428 6,61,237 7,07,533 3m-34 13,539 16,482 18,769 23,594 27,213 29,461 32,414 35,174 37,645
74 2,80,781 3,34,627 4,06,669 4,50,577 5,25,190 6,09,424 6,70,376 7,27,365 7,78,289 35 14,562 18,012 20,748 25,573 29,191 31,729 34,909 37,881 40,540
75 3,06,306 3,65,052 4,43,639 4,91,539 5,72,940 6,64,832 7,31,324 7,93,492 8,49,045 36-44 15,585 19,541 22,726 27,551 31,170 33,997 37,403 40,588 43,435
>75 3,31,832 3,95,477 4,80,609 5,32,501 6,20,690 7,20,240 7,92,272 8,59,620 9,19,802 45 20,530 26,045 30,533 35,358 39,165 42,296 46,532 50,494 54,035
46-49 25,476 32,549 38,339 43,164 47,160 50,595 55,661 60,399 64,636
PREMIUM FOR MIDTERM INCLUSION – POLICY TERM 3 YEARS 50 28,275 35,223 40,781 47,068 52,409 56,313 61,948 67,222 71,936
1 3 6 9 12 15 18 21 24 27 30 33 >33 51-54 31,073 37,896 43,222 50,971 57,659 62,030 68,235 74,044 79,236
Risk period
mth mths mths mths mths mths mths mths mths mths mths mths mths 55 33,582 41,032 46,865 55,386 62,527 67,362 74,102 80,409 86,044
Refund on existing plan 82.5% 77.5% 70.0% 62.5% 57.5% 50.0% 42.5% 35.0% 27.5% 20.0% 15.0% 7.5% 1A 56-59 36,091 44,168 50,508 59,801 67,396 72,693 79,970 86,773 92,852
% to be charged on NA 60 42,894 51,637 58,349 69,089 76,911 82,237 90,469 98,165 1,05,040
82.5% 77.5% 70.0% 62.5% 57.5% 50.0% 42.5% 35.0% 27.5% 20.0% 15.0% 7.5%
proposed plan 61-64 49,698 59,106 66,189 78,377 86,425 91,781 1,00,968 1,09,556 1,17,228
65 58,928 68,954 76,274 86,797 93,132 97,890 1,07,684 1,16,842 1,25,025
Benefit Illustration in respect of Policies offered on Individual and Family Floater Basis 66-69 68,158 78,802 86,358 95,217 99,839 1,03,998 1,14,401 1,24,128 1,32,823
Coverage opted on individual basis Coverage opted on individual basis covering 70 74,040 86,932 96,418 1,07,376 1,12,587 1,17,286 1,29,021 1,39,993 1,49,797
Coverage opted on family floater basis with overall Sum insured
covering each member of the family multiple members of the family under a single policy 71-74 79,921 95,062 1,06,478 1,19,535 1,25,334 1,30,574 1,43,640 1,55,857 1,66,771
(Only one sum insured is available for the entire family)
separately (at a single point of time) (Sum insured is available for each member of the family) 75 92,297 1,09,474 1,22,357 1,36,784 1,43,418 1,49,416 1,64,364 1,78,342 1,90,829
Age of the
Members Premium or >75 1,04,674 1,23,887 1,38,236 1,54,033 1,61,502 1,68,257 1,85,087 2,00,826 2,14,886
insured Premium consolidated
Floater Premium Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
(in yrs) Premium Sum Insured Premium Discount, After Sum Insured premium for Sum Insured
Discount, After Discount 3m-34 17,717 21,886 25,573 31,324 36,149 40,781 44,863 48,684 52,100
(Rs.) (Rs.) (Rs.) (if any) Discount (Rs.) all members (Rs.)
(if any) (Rs.)
(Rs.) of family 35 18,625 22,851 26,943 33,418 38,243 43,454 47,801 51,869 55,507
(Rs.) 36-44 19,532 23,816 28,313 35,512 40,337 46,127 50,740 55,053 58,913
Illustration - 1 45 23,507 28,477 34,142 42,566 47,391 53,181 58,503 63,478 67,926
64 25,750 5,00,000 25,750 25,750 5,00,000 46-49 27,483 33,138 39,970 49,620 54,445 60,235 66,267 71,902 76,939
Nil 44,450 5,650 38,800 5,00,000
58 18,700 5,00,000 18,700 18,700 5,00,000 50 29,365 36,448 43,715 53,365 58,672 64,462 70,913 76,944 82,334
Total Premium for all members of the family is Rs.44,450/-, Total Premium for all members of the family is Rs.44,450/-, Total Premium when policy is opted on floater basis is Rs.38,800/-. 51-54 31,247 39,758 47,459 57,109 62,899 68,689 75,560 81,986 87,728
when each member is covered separately. when they are covered under a single policy. 55 34,634 45,818 54,899 64,549 70,339 76,129 83,743 90,864 97,229
Sum insured available for each individual is Rs.5,00,000/-. Sum insured available for each family member is Rs.5,00,000/- Sum insured of Rs.5,00,000/- is available for the entire family (2A)
1A +1C 56-59 38,021 51,878 62,339 71,989 77,779 83,569 91,926 99,742 1,06,729
Illustration - 2 60 49,331 62,281 74,567 85,665 95,275 1,13,128 1,24,442 1,35,023 1,44,480
47 13,200 5,00,000 13,200 13,200 5,00,000 61-64 60,641 72,684 86,796 99,341 1,12,772 1,42,687 1,56,957 1,70,303 1,82,231
44 8,075 5,00,000 8,075 Nil 8,075 5,00,000 28,290 4,750 23,540 5,00,000 65 68,226 81,774 97,650 1,09,279 1,24,052 1,56,958 1,72,658 1,87,340 2,00,459
19 7,015 5,00,000 7,015 7,015 5,00,000 66-69 75,810 90,864 1,08,505 1,19,216 1,35,332 1,71,230 1,88,358 2,04,377 2,18,688
Total Premium for all members of the family is Rs.28,290/-, Total Premium for all members of the family is Rs.28,290/-, Total Premium when policy is opted on floater basis is Rs.23,540/-. 70 87,188 1,04,500 1,24,784 1,37,107 1,55,635 1,96,918 2,16,614 2,35,031 2,51,489
when each member is covered separately. when they are covered under a single policy. 71-74 98,565 1,18,135 1,41,064 1,54,998 1,75,939 2,22,606 2,44,869 2,65,684 2,84,289
Sum insured available for each individual is Rs.5,00,000/- Sum insured available for each family member is Rs.5,00,000/- Sum insured of Rs.5,00,000/- is available for the entire family (2A+1C) 75 1,13,359 1,35,862 1,62,226 1,78,255 2,02,332 2,56,005 2,81,606 3,05,548 3,26,942
Note: Premium rates specified in the above illustration are standard premium rates without considering any loading. Also, the premium rates are exclusive of taxes applicable. >75 1,28,152 1,53,589 1,83,389 2,01,511 2,28,724 2,89,404 3,18,344 3,45,412 3,69,595
A - Adult | C - Child 4 A - Adult | C - Child 1
 PR CH RT R Y R C T R PR CH RT R3Y R C T R
Plan type e band Plan type e band
3m-3 21 134 25 727 28 950 36 670 41 746 46 571 51 232 55 594 59 492 3m-33 19 677 23 955 27 279 34 291 39 551 42 818 47 110 51 121 54 712
3 22 166 26 846 30 436 39 121 44 815 50 122 55 140 59 835 64 028 3 20 668 25 437 29 195 36 208 41 467 45 016 49 527 53 744 57 517
3 - 23 199 27 966 31 922 41 572 47 883 53 673 59 048 64 076 68 563
3 21 659 26 919 31 112 38 125 43 384 47 213 51 944 56 366 60 322
30 398 36 496 41 939 51 589 57 639 63 429 69 779 75 719 81 021
3 - 3 22 650 28 401 33 029 40 041 45 301 49 410 54 361 58 989 63 127
- 37 596 45 027 51 956 61 606 67 396 73 186 80 510 87 361 93 480
38 590 46 252 54 001 63 651 69 441 75 231 82 758 89 798 96 090 27 442 34 703 40 593 47 606 53 047 57 451 63 206 68 587 73 398
- 39 584 47 478 56 047 65 697 71 487 77 277 85 007 92 235 98 700 32 234 41 004 48 157 55 170 60 794 65 492 72 051 78 185 83 668
42 547 52 178 61 857 73 437 79 709 86 464 95 115 1 03 202 1 10 435 - 37 026 47 306 55 721 62 734 68 540 73 533 80 896 87 782 93 939
C - 45 509 56 877 67 666 81 176 87 931 95 651 1 05 224 1 14 169 1 22 169 39 738 49 896 58 087 66 516 73 627 79 073 86 988 94 393 1 01 013
58 450 70 955 79 406 92 433 1 17 873 1 38 620 1 52 489 1 65 454 1 77 044
42 449 52 486 60 452 70 298 78 713 84 613 93 079 1 01 003 1 08 086
- 71 391 85 034 91 146 1 03 691 1 47 815 1 81 590 1 99 755 2 16 739 2 31 918
- 3 45 161 55 076 62 818 74 080 83 799 90 153 99 171 1 07 614 1 15 159
80 317 95 669 1 02 547 1 14 069 1 62 601 1 99 753 2 19 735 2 38 418 2 55 112
- 89 243 1 06 304 1 13 947 1 24 446 1 77 386 2 17 916 2 39 716 2 60 096 2 78 306 47 592 58 115 66 348 78 358 88 516 95 319 1 04 856 1 13 780 1 21 756
1 02 637 1 22 256 1 31 047 1 43 119 2 04 001 2 50 611 2 75 676 2 99 111 3 20 052 50 023 61 154 69 877 82 635 93 234 1 00 484 1 10 540 1 19 946 1 28 352
- 1 16 032 1 38 207 1 48 147 1 61 792 2 30 616 2 83 305 3 11 637 3 38 126 3 61 798 - 52 454 64 192 73 407 86 913 97 951 1 05 650 1 16 225 1 26 113 1 34 949
1 33 440 1 58 945 1 70 371 1 86 062 2 65 211 3 25 803 3 58 387 3 88 852 4 16 074 59 045 71 429 81 004 95 912 1 07 170 1 14 897 1 26 398 1 37 150 1 46 758
1 50 849 1 79 683 1 92 595 2 10 331 2 99 806 3 68 302 4 05 136 4 39 577 4 70 351
65 637 78 666 88 601 1 04 912 1 16 389 1 24 145 1 36 571 1 48 188 1 58 567
Plan type e band
- 3 72 229 85 903 96 197 1 13 911 1 25 608 1 33 392 1 46 744 1 59 226 1 70 376
3m-3 30 089 36 651 40 434 51 049 57 533 64 288 70 725 76 737 82 112
81 172 95 445 1 05 968 1 22 069 1 32 106 1 39 310 1 53 251 1 66 285 1 77 931
3 31 507 38 224 42 441 54 021 61 229 68 177 75 000 81 378 87 077
3 - 32 926 39 797 44 448 56 993 64 925 72 066 79 275 86 020 92 042 90 115 1 04 986 1 15 739 1 30 227 1 38 604 1 45 229 1 59 759 1 73 344 1 85 485
39 102 47 729 54 310 70 233 79 024 86 454 95 101 1 03 192 1 10 420 - 99 059 1 14 528 1 25 510 1 38 385 1 45 103 1 51 147 1 66 266 1 80 404 1 93 040
- 45 278 55 661 64 173 83 473 93 123 1 00 843 1 10 927 1 20 364 1 28 799 1 04 757 1 22 406 1 35 257 1 50 166 1 57 454 1 64 022 1 80 432 1 95 775 2 09 487
48 597 60 206 69 963 90 228 99 878 1 07 598 1 18 357 1 28 422 1 37 421
1 10 456 1 30 283 1 45 004 1 61 947 1 69 805 1 76 897 1 94 597 2 11 146 2 25 933
- 51 917 64 752 75 753 96 983 1 06 633 1 14 353 1 25 788 1 36 480 1 46 043
- 3 1 16 155 1 38 160 1 54 752 1 73 728 1 82 157 1 89 772 2 08 762 2 26 518 2 42 380
55 169 69 055 81 205 1 05 330 1 15 462 1 24 147 1 36 562 1 48 171 1 58 550
- 58 421 73 359 86 657 1 13 677 1 24 292 1 33 942 1 47 336 1 59 862 1 71 056 1 28 146 1 52 125 1 70 137 1 90 441 1 99 679 2 08 028 2 28 841 2 48 303 2 65 690
3C
69 123 84 028 1 01 875 1 27 448 1 53 575 1 75 287 1 92 817 2 09 207 2 23 856 1 40 138 1 66 089 1 85 523 2 07 154 2 17 201 2 26 284 2 48 920 2 70 089 2 88 999
- 79 825 94 697 1 17 093 1 41 218 1 82 858 2 16 633 2 38 297 2 58 552 2 76 656 1 52 129 1 80 053 2 00 908 2 23 867 2 34 722 2 44 540 2 69 000 2 91 874 3 12 309
89 803 1 06 542 1 31 732 1 55 346 2 01 149 2 38 302 2 62 133 2 84 414 3 04 327 Plan type e band
- 99 781 1 18 386 1 46 371 1 69 473 2 19 441 2 59 971 2 85 968 3 10 276 3 31 999 3m-33 25 750 31 809 37 166 45 525 52 538 59 270 65 202 70 756 75 721
1 14 748 1 36 152 1 68 335 1 94 901 2 52 357 2 98 967 3 28 867 3 56 823 3 81 802
3 26 629 32 744 38 494 47 554 54 567 61 860 68 049 73 842 79 022
- 1 29 715 1 53 918 1 90 298 2 20 329 2 85 273 3 37 962 3 71 766 4 03 370 4 31 606
1 49 179 1 77 010 2 18 843 2 53 380 3 28 071 3 88 663 4 27 534 4 63 880 4 96 353 3 27 508 33 679 39 822 49 583 56 596 64 450 70 896 76 927 82 322
1 68 643 2 00 102 2 47 387 2 86 431 3 70 869 4 39 365 4 83 301 5 24 391 5 61 099 3 - 3 28 387 34 614 41 149 51 612 58 625 67 040 73 743 80 013 85 623
Plan type e band 32 239 39 130 46 797 58 447 65 459 73 874 81 266 88 175 94 356
3m-3 20 111 25 688 30 031 37 751 43 541 48 366 53 210 57 736 61 779 36 091 43 646 52 444 65 282 72 294 80 709 88 788 96 338 1 03 088
3 21 751 28 603 33 196 40 916 46 706 51 531 56 689 61 509 65 818 - 39 943 48 162 58 092 72 117 79 129 87 544 96 310 1 04 500 1 11 821
3 - 23 392 31 517 36 361 44 081 49 871 54 696 60 168 65 282 69 856
41 766 51 369 61 719 75 744 83 224 91 639 1 00 812 1 09 386 1 17 048
33 312 42 798 50 856 58 576 64 366 69 191 76 114 82 585 88 370
43 590 54 576 65 347 79 372 87 320 95 735 1 05 314 1 14 271 1 22 275
- 43 232 54 079 65 350 73 070 78 860 83 685 92 061 99 887 1 06 883
44 429 55 526 67 251 75 453 81 243 86 261 94 893 1 02 961 1 10 174 - 3 45 413 57 783 68 975 83 000 91 415 99 830 1 09 816 1 19 156 1 27 501
- 45 625 56 974 69 152 77 837 83 627 88 838 97 726 1 06 034 1 13 465 48 695 63 655 76 184 90 209 98 624 1 07 039 1 17 745 1 27 758 1 36 706
50 373 62 908 76 525 85 210 91 000 96 211 1 05 836 1 14 835 1 22 878 51 977 69 527 83 393 97 418 1 05 833 1 14 248 1 25 673 1 36 360 1 45 911
- 55 121 68 843 83 897 92 582 98 372 1 03 583 1 13 947 1 23 636 1 32 292 C - 55 259 75 398 90 602 1 04 627 1 13 042 1 21 457 1 33 602 1 44 962 1 55 117
65 002 79 806 97 214 1 05 899 1 11 689 1 16 900 1 28 596 1 39 529 1 49 300 66 217 85 478 102 450 1 17 877 1 29 994 1 50 096 1 65 107 1 79 146 1 91 694
- 74 884 90 768 1 10 531 1 19 216 1 25 006 1 30 217 1 43 245 1 55 423 1 66 308
77 175 95 557 1 14 298 1 31 128 1 46 946 1 78 736 1 96 612 2 13 330 2 28 271
84 245 1 02 116 1 24 350 1 31 144 1 37 513 1 43 245 1 57 575 1 70 974 1 82 950
- 3 88 133 1 05 636 1 26 146 1 44 379 1 63 899 2 07 376 2 28 117 2 47 513 2 64 848
- 93 605 1 13 465 1 38 169 1 43 071 1 50 019 1 56 272 1 71 905 1 86 525 1 99 591
1 07 646 1 30 487 1 58 897 1 64 533 1 72 523 1 79 722 1 97 700 2 14 510 2 29 535 95 482 1 14 444 1 36 663 1 54 008 1 74 828 2 21 204 2 43 329 2 64 021 2 82 510
- 1 21 687 1 47 510 1 79 625 1 85 994 1 95 027 2 03 171 2 23 494 2 42 495 2 59 479 1 02 831 1 23 252 1 47 180 1 63 636 1 85 757 2 35 032 2 58 542 2 80 528 3 00 172
1 39 944 1 69 637 2 06 578 2 13 902 2 24 285 2 33 655 2 57 028 2 78 880 2 98 407 - 1 10 180 1 32 059 1 57 697 1 73 265 1 96 687 2 48 860 2 73 754 2 97 035 3 17 835
1 58 202 1 91 765 2 33 530 2 41 810 2 53 544 2 64 140 2 90 562 3 15 266 3 37 335 1 21 204 1 45 271 1 73 471 1 90 600 2 16 359 2 73 749 3 01 131 3 26 736 3 49 615
Plan type e band
1 32 228 1 58 483 1 89 244 2 07 935 2 36 031 2 98 639 3 28 508 3 56 436 3 81 396
3m-3 25 418 32 154 36 882 45 857 51 647 56 472 62 127 67 415 72 143
- 3 1 43 251 1 71 694 2 05 017 2 25 270 2 55 704 3 23 529 3 55 884 3 86 136 4 13 177
3 26 547 33 881 39 198 48 511 54 301 59 126 65 046 70 580 75 526
1 57 585 1 88 870 2 25 522 2 47 803 2 81 276 3 55 889 3 91 480 4 24 761 4 54 504
3 - 27 676 35 609 41 514 51 164 56 954 61 779 67 965 73 745 78 908
36 554 46 098 54 445 64 095 69 885 74 710 82 189 89 180 95 424 1 71 918 2 06 046 2 46 027 2 70 337 3 06 848 3 88 249 4 27 075 4 63 386 4 95 831
- 45 432 56 588 67 376 77 026 82 816 87 641 96 413 1 04 616 1 11 940 1 86 252 2 23 222 2 66 531 2 92 870 3 32 421 4 20 610 4 62 671 5 02 011 5 37 158
47 623 59 444 71 082 81 214 87 197 92 215 1 01 441 1 10 068 1 17 773 Plan type e band
- 49 813 62 300 74 788 85 403 91 579 96 790 1 06 468 1 15 520 1 23 607 3m-33 30 715 37 391 42 075 53 295 60 672 67 685 74 459 80 798 86 464
54 889 68 119 81 340 91 955 98 420 1 03 631 1 13 995 1 23 689 1 32 350 3 31 715 38 475 43 515 55 670 63 645 71 125 78 245 84 907 90 859
C - 59 965 73 938 87 892 98 507 1 05 262 1 10 473 1 21 522 1 31 858 1 41 093
3 32 716 39 560 44 955 58 045 66 619 74 566 82 032 89 017 95 253
78 040 94 131 1 14 379 1 28 130 1 46 465 1 65 958 1 82 559 1 98 081 2 11 953
3 - 3 33 716 40 644 46 395 60 420 69 592 78 007 85 819 93 126 99 648
- 96 114 1 14 324 1 40 865 1 57 752 1 87 667 2 21 442 2 43 595 2 64 304 2 82 813
1 08 128 1 28 620 1 58 479 1 73 533 2 06 440 2 43 592 2 67 956 2 90 735 3 11 092 40 691 48 910 56 100 70 125 79 045 87 460 96 216 1 04 407 1 11 718
- 1 20 143 1 42 917 1 76 093 1 89 314 2 25 212 2 65 742 2 92 318 3 17 167 3 39 371 47 666 57 175 65 805 79 830 88 498 96 913 1 06 613 1 15 688 1 23 789
1 38 169 1 64 359 2 02 515 2 17 714 2 58 996 3 05 606 3 36 167 3 64 746 3 90 280 - 54 641 65 441 75 511 89 536 97 951 1 06 366 1 17 011 1 26 968 1 35 860
- 1 56 195 1 85 801 2 28 937 2 46 114 2 92 781 3 45 470 3 80 017 4 12 325 4 41 188 55 604 66 628 77 493 91 518 99 933 1 08 348 1 19 189 1 29 329 1 38 389
1 79 625 2 13 680 2 63 281 2 83 035 3 36 698 3 97 291 4 37 020 4 74 172 5 07 368
56 568 67 816 79 475 93 500 1 01 915 1 10 330 1 21 368 1 31 690 1 40 919
2 03 055 2 41 559 2 97 625 3 19 955 3 80 615 4 49 111 4 94 022 5 36 019 5 73 548
- 3 57 531 69 003 81 457 95 482 1 03 897 1 12 312 1 23 546 1 34 051 1 43 448
Plan type e band
60 401 73 556 87 086 1 02 981 1 11 863 1 21 213 1 33 340 1 44 677 1 54 817
3m-3 28 564 35 666 40 376 49 331 55 121 60 332 66 373 72 018 77 065
3 30 118 37 384 42 885 52 187 57 977 63 188 69 514 75 424 80 708 63 271 78 110 92 715 1 10 480 1 19 830 1 30 115 1 43 134 1 55 304 1 66 187
3 - 31 671 39 102 45 394 55 044 60 834 66 045 72 655 78 831 84 351 C - 66 142 82 663 98 343 1 17 978 1 27 796 1 39 016 1 52 929 1 65 930 1 77 557
40 337 49 948 58 489 68 139 73 929 79 140 87 057 94 459 1 01 074 78 680 96 304 1 09 719 1 28 886 1 56 807 1 80 649 1 98 725 2 15 620 2 30 725
- 49 003 60 795 71 584 81 234 87 024 92 235 1 01 460 1 10 087 1 17 798 91 219 1 09 945 1 21 094 1 39 794 1 85 818 2 22 283 2 44 521 2 65 311 2 83 894
51 685 64 124 75 946 85 596 91 868 97 369 1 07 110 1 16 220 1 24 360
- 3 1 03 757 1 23 585 1 32 469 1 50 701 2 14 829 2 63 917 2 90 318 3 15 002 3 37 063
- 54 368 67 454 80 307 89 957 96 712 1 02 502 1 12 760 1 22 352 1 30 922
1 12 406 1 33 890 1 43 515 1 60 756 2 29 155 2 81 515 3 09 677 3 36 006 3 59 536
59 348 73 630 87 989 98 121 1 04 876 1 10 666 1 21 740 1 32 094 1 41 344
C - 64 327 79 806 95 670 1 06 285 1 13 040 1 18 830 1 30 719 1 41 836 1 51 766 1 21 054 1 44 195 1 54 561 1 70 811 2 43 481 2 99 114 3 29 036 3 57 011 3 82 008
83 694 1 02 033 1 22 540 1 36 291 1 54 626 1 74 408 1 91 856 2 08 170 2 22 746 - 1 29 703 1 54 499 1 65 607 1 80 866 2 57 808 3 16 713 3 48 395 3 78 016 4 04 481
- 1 03 062 1 24 261 1 49 409 1 66 297 1 96 212 2 29 987 2 52 994 2 74 504 2 93 727 1 42 681 1 69 955 1 82 175 1 98 959 2 83 595 3 48 390 3 83 238 4 15 818 4 44 929
1 15 945 1 39 794 1 68 088 1 82 929 2 15 836 2 52 988 2 78 292 3 01 953 3 23 096 1 55 659 1 85 411 1 98 744 2 17 051 3 09 382 3 80 068 4 18 081 4 53 620 4 85 377
- 1 28 828 1 55 326 1 86 766 1 99 562 2 35 460 2 75 990 3 03 589 3 29 403 3 52 466
- 3 1 68 637 2 00 866 2 15 312 2 35 143 3 35 169 4 11 746 4 52 923 4 91 422 5 25 825
1 48 156 1 78 631 2 14 790 2 29 496 2 70 779 3 17 389 3 49 127 3 78 811 4 05 334
1 85 504 2 20 959 2 36 845 2 58 658 3 68 689 4 52 923 4 98 219 5 40 570 5 78 414
- 1 67 485 2 01 936 2 42 813 2 59 431 3 06 098 3 58 787 3 94 666 4 28 219 4 58 201
1 92 614 2 32 227 2 79 242 2 98 349 3 52 013 4 12 605 4 53 868 4 92 454 5 26 933 2 02 371 2 41 052 2 58 378 2 82 174 4 02 209 4 94 101 5 43 516 5 89 719 6 31 003
2 17 743 2 62 519 3 15 671 3 37 268 3 97 927 4 66 423 5 13 071 5 56 689 5 95 666 2 19 239 2 61 146 2 79 911 3 05 689 4 35 729 5 35 278 5 88 812 6 38 867 6 83 593
Plan type e band Plan type e band
3m-3 32 810 40 569 45 606 59 116 67 724 75 482 83 038 90 102 96 413 3m-33 43 730 53 267 58 765 74 192 83 617 93 435 1 02 789 1 11 527 1 19 339
3 34 885 42 460 48 096 61 606 70 252 77 991 85 798 93 098 99 622 3 45 104 54 791 60 710 77 072 87 198 97 203 1 06 931 1 16 024 1 24 149
3 - 36 960 44 351 50 585 64 095 72 780 80 500 88 558 96 095 1 02 830 3 46 479 56 315 62 654 79 952 90 779 1 00 971 1 11 073 1 20 522 1 28 960
45 992 55 439 63 391 76 901 85 586 93 306 1 02 642 1 11 375 1 19 178
3 - 3 47 853 57 839 64 599 82 832 94 360 1 04 739 1 15 215 1 25 019 1 33 770
- 55 024 66 527 76 196 89 706 98 391 1 06 111 1 16 726 1 26 656 1 35 525
53 837 65 525 74 155 95 660 1 08 021 1 18 680 1 30 549 1 41 657 1 51 578
57 620 70 300 80 558 94 551 1 03 236 1 11 438 1 22 584 1 33 011 1 42 323
- 60 216 74 073 84 920 99 395 1 08 080 1 16 765 1 28 442 1 39 365 1 49 121 59 821 73 211 83 711 1 08 488 1 21 681 1 32 620 1 45 883 1 58 296 1 69 385
65 263 80 877 94 715 1 12 567 1 22 217 1 31 867 1 45 054 1 57 392 1 68 412 - 65 805 80 896 93 266 1 21 316 1 35 341 1 46 561 1 61 217 1 74 934 1 87 192
3C - 70 310 87 680 1 04 510 1 25 740 1 36 355 1 46 970 1 61 666 1 75 418 1 87 702 69 022 85 300 98 876 1 27 861 1 41 886 1 53 106 1 68 417 1 82 741 1 95 546
89 195 1 08 235 1 30 519 1 53 197 1 73 462 1 95 657 2 15 224 2 33 525 2 49 877 72 238 89 704 1 04 486 1 34 406 1 48 431 1 59 651 1 75 616 1 90 548 2 03 900
- 1 08 080 1 28 791 1 56 529 1 80 654 2 10 569 2 44 344 2 68 781 2 91 633 3 12 052 - 3 75 455 94 108 1 10 096 1 40 951 1 54 976 1 66 196 1 82 816 1 98 356 2 12 254
1 21 590 1 44 896 1 76 096 1 98 725 2 31 632 2 68 784 2 95 666 3 20 805 3 43 265
78 605 98 278 1 15 379 1 49 039 1 63 532 1 75 687 1 93 255 2 09 683 2 24 372
- 1 35 100 1 61 001 1 95 663 2 16 797 2 52 695 2 93 225 3 22 551 3 49 977 3 74 478
81 756 1 02 448 1 20 662 1 57 127 1 72 087 1 85 177 2 03 694 2 21 011 2 36 490
1 55 365 1 85 155 2 25 019 2 49 317 2 90 600 3 37 210 3 70 936 4 02 473 4 30 651
- 1 75 630 2 09 309 2 54 374 2 81 838 3 28 505 3 81 194 4 19 321 4 54 969 4 86 823 3C - 84 907 1 06 618 1 25 945 1 65 215 1 80 642 1 94 667 2 14 134 2 32 338 2 48 607
2 01 975 2 40 710 2 92 530 3 24 115 3 77 788 4 38 380 4 82 225 5 23 218 5 59 850 95 277 1 16 955 1 40 689 1 78 557 2 09 015 2 34 727 2 58 200 2 80 149 2 99 766
2 28 319 2 72 111 3 30 686 3 66 391 4 27 070 4 95 566 5 45 129 5 91 468 6 32 876 1 05 646 1 27 293 1 55 434 1 91 899 2 37 387 2 74 787 3 02 267 3 27 961 3 50 924
- 3 1 16 015 1 37 630 1 70 179 2 05 242 2 65 760 3 14 847 3 46 333 3 75 772 4 02 083
PR R T R C P CY T R Y R 1 25 683 1 49 106 1 84 363 2 18 930 2 83 483 3 35 843 3 69 428 4 00 830 4 28 894
1 35 351 1 60 583 1 98 547 2 32 619 3 01 206 3 56 838 3 92 522 4 25 888 4 55 705
Risk period mth 3 mths mths mths mths mths mths mths mths - 1 45 019 1 72 059 2 12 731 2 46 307 3 18 929 3 77 834 4 15 617 4 50 946 4 82 516
1 59 520 1 89 272 2 34 012 2 70 944 3 50 821 4 15 617 4 57 182 4 96 046 5 30 771
Refund on e istin 82.5% 75.0% 62.5% 52.5% 42.5% 32.5% 20.0% 10.0%
1 74 022 2 06 485 2 55 292 2 95 582 3 82 714 4 53 400 4 98 748 5 41 145 5 79 027
plan - 3 1 88 524 2 23 699 2 76 573 3 20 219 4 14 607 4 91 184 5 40 313 5 86 245 6 27 282
2 07 383 2 46 073 3 04 230 3 52 243 4 56 074 5 40 308 5 94 347 6 44 874 6 90 016
to be char ed on 82.5% 75.0% 62.5% 52.5% 42.5% 32.5% 20.0% 10.0% 2 26 242 2 68 448 3 31 888 3 84 266 4 97 542 5 89 433 6 48 380 7 03 503 7 52 750
proposed plan
2 45 101 2 90 822 3 59 545 4 16 290 5 39 009 6 38 558 7 02 414 7 62 133 8 15 484

- dult C - Child 4 - dult C - Child 13

 PR CH RT R Y R C T R PR CH RT R3Y R C T R
Plan type e band Plan type e band
3m-3 21 134 25 727 28 950 36 670 41 746 46 571 51 232 55 594 59 492 3m-33 19 677 23 955 27 279 34 291 39 551 42 818 47 110 51 121 54 712
3 22 166 26 846 30 436 39 121 44 815 50 122 55 140 59 835 64 028 3 20 668 25 437 29 195 36 208 41 467 45 016 49 527 53 744 57 517
3 - 23 199 27 966 31 922 41 572 47 883 53 673 59 048 64 076 68 563
3 21 659 26 919 31 112 38 125 43 384 47 213 51 944 56 366 60 322
30 398 36 496 41 939 51 589 57 639 63 429 69 779 75 719 81 021
3 - 3 22 650 28 401 33 029 40 041 45 301 49 410 54 361 58 989 63 127
- 37 596 45 027 51 956 61 606 67 396 73 186 80 510 87 361 93 480
38 590 46 252 54 001 63 651 69 441 75 231 82 758 89 798 96 090 27 442 34 703 40 593 47 606 53 047 57 451 63 206 68 587 73 398
- 39 584 47 478 56 047 65 697 71 487 77 277 85 007 92 235 98 700 32 234 41 004 48 157 55 170 60 794 65 492 72 051 78 185 83 668
42 547 52 178 61 857 73 437 79 709 86 464 95 115 1 03 202 1 10 435 - 37 026 47 306 55 721 62 734 68 540 73 533 80 896 87 782 93 939
C - 45 509 56 877 67 666 81 176 87 931 95 651 1 05 224 1 14 169 1 22 169 39 738 49 896 58 087 66 516 73 627 79 073 86 988 94 393 1 01 013
58 450 70 955 79 406 92 433 1 17 873 1 38 620 1 52 489 1 65 454 1 77 044
42 449 52 486 60 452 70 298 78 713 84 613 93 079 1 01 003 1 08 086
- 71 391 85 034 91 146 1 03 691 1 47 815 1 81 590 1 99 755 2 16 739 2 31 918
- 3 45 161 55 076 62 818 74 080 83 799 90 153 99 171 1 07 614 1 15 159
80 317 95 669 1 02 547 1 14 069 1 62 601 1 99 753 2 19 735 2 38 418 2 55 112
- 89 243 1 06 304 1 13 947 1 24 446 1 77 386 2 17 916 2 39 716 2 60 096 2 78 306 47 592 58 115 66 348 78 358 88 516 95 319 1 04 856 1 13 780 1 21 756
1 02 637 1 22 256 1 31 047 1 43 119 2 04 001 2 50 611 2 75 676 2 99 111 3 20 052 50 023 61 154 69 877 82 635 93 234 1 00 484 1 10 540 1 19 946 1 28 352
- 1 16 032 1 38 207 1 48 147 1 61 792 2 30 616 2 83 305 3 11 637 3 38 126 3 61 798 - 52 454 64 192 73 407 86 913 97 951 1 05 650 1 16 225 1 26 113 1 34 949
1 33 440 1 58 945 1 70 371 1 86 062 2 65 211 3 25 803 3 58 387 3 88 852 4 16 074 59 045 71 429 81 004 95 912 1 07 170 1 14 897 1 26 398 1 37 150 1 46 758
1 50 849 1 79 683 1 92 595 2 10 331 2 99 806 3 68 302 4 05 136 4 39 577 4 70 351
65 637 78 666 88 601 1 04 912 1 16 389 1 24 145 1 36 571 1 48 188 1 58 567
Plan type e band
- 3 72 229 85 903 96 197 1 13 911 1 25 608 1 33 392 1 46 744 1 59 226 1 70 376
3m-3 30 089 36 651 40 434 51 049 57 533 64 288 70 725 76 737 82 112
81 172 95 445 1 05 968 1 22 069 1 32 106 1 39 310 1 53 251 1 66 285 1 77 931
3 31 507 38 224 42 441 54 021 61 229 68 177 75 000 81 378 87 077
3 - 32 926 39 797 44 448 56 993 64 925 72 066 79 275 86 020 92 042 90 115 1 04 986 1 15 739 1 30 227 1 38 604 1 45 229 1 59 759 1 73 344 1 85 485
39 102 47 729 54 310 70 233 79 024 86 454 95 101 1 03 192 1 10 420 - 99 059 1 14 528 1 25 510 1 38 385 1 45 103 1 51 147 1 66 266 1 80 404 1 93 040
- 45 278 55 661 64 173 83 473 93 123 1 00 843 1 10 927 1 20 364 1 28 799 1 04 757 1 22 406 1 35 257 1 50 166 1 57 454 1 64 022 1 80 432 1 95 775 2 09 487
48 597 60 206 69 963 90 228 99 878 1 07 598 1 18 357 1 28 422 1 37 421
1 10 456 1 30 283 1 45 004 1 61 947 1 69 805 1 76 897 1 94 597 2 11 146 2 25 933
- 51 917 64 752 75 753 96 983 1 06 633 1 14 353 1 25 788 1 36 480 1 46 043
- 3 1 16 155 1 38 160 1 54 752 1 73 728 1 82 157 1 89 772 2 08 762 2 26 518 2 42 380
55 169 69 055 81 205 1 05 330 1 15 462 1 24 147 1 36 562 1 48 171 1 58 550
- 58 421 73 359 86 657 1 13 677 1 24 292 1 33 942 1 47 336 1 59 862 1 71 056 1 28 146 1 52 125 1 70 137 1 90 441 1 99 679 2 08 028 2 28 841 2 48 303 2 65 690
3C
69 123 84 028 1 01 875 1 27 448 1 53 575 1 75 287 1 92 817 2 09 207 2 23 856 1 40 138 1 66 089 1 85 523 2 07 154 2 17 201 2 26 284 2 48 920 2 70 089 2 88 999
- 79 825 94 697 1 17 093 1 41 218 1 82 858 2 16 633 2 38 297 2 58 552 2 76 656 1 52 129 1 80 053 2 00 908 2 23 867 2 34 722 2 44 540 2 69 000 2 91 874 3 12 309
89 803 1 06 542 1 31 732 1 55 346 2 01 149 2 38 302 2 62 133 2 84 414 3 04 327 Plan type e band
- 99 781 1 18 386 1 46 371 1 69 473 2 19 441 2 59 971 2 85 968 3 10 276 3 31 999 3m-33 25 750 31 809 37 166 45 525 52 538 59 270 65 202 70 756 75 721
1 14 748 1 36 152 1 68 335 1 94 901 2 52 357 2 98 967 3 28 867 3 56 823 3 81 802
3 26 629 32 744 38 494 47 554 54 567 61 860 68 049 73 842 79 022
- 1 29 715 1 53 918 1 90 298 2 20 329 2 85 273 3 37 962 3 71 766 4 03 370 4 31 606
1 49 179 1 77 010 2 18 843 2 53 380 3 28 071 3 88 663 4 27 534 4 63 880 4 96 353 3 27 508 33 679 39 822 49 583 56 596 64 450 70 896 76 927 82 322
1 68 643 2 00 102 2 47 387 2 86 431 3 70 869 4 39 365 4 83 301 5 24 391 5 61 099 3 - 3 28 387 34 614 41 149 51 612 58 625 67 040 73 743 80 013 85 623
Plan type e band 32 239 39 130 46 797 58 447 65 459 73 874 81 266 88 175 94 356
3m-3 20 111 25 688 30 031 37 751 43 541 48 366 53 210 57 736 61 779 36 091 43 646 52 444 65 282 72 294 80 709 88 788 96 338 1 03 088
3 21 751 28 603 33 196 40 916 46 706 51 531 56 689 61 509 65 818 - 39 943 48 162 58 092 72 117 79 129 87 544 96 310 1 04 500 1 11 821
3 - 23 392 31 517 36 361 44 081 49 871 54 696 60 168 65 282 69 856
41 766 51 369 61 719 75 744 83 224 91 639 1 00 812 1 09 386 1 17 048
33 312 42 798 50 856 58 576 64 366 69 191 76 114 82 585 88 370
43 590 54 576 65 347 79 372 87 320 95 735 1 05 314 1 14 271 1 22 275
- 43 232 54 079 65 350 73 070 78 860 83 685 92 061 99 887 1 06 883
44 429 55 526 67 251 75 453 81 243 86 261 94 893 1 02 961 1 10 174 - 3 45 413 57 783 68 975 83 000 91 415 99 830 1 09 816 1 19 156 1 27 501
- 45 625 56 974 69 152 77 837 83 627 88 838 97 726 1 06 034 1 13 465 48 695 63 655 76 184 90 209 98 624 1 07 039 1 17 745 1 27 758 1 36 706
50 373 62 908 76 525 85 210 91 000 96 211 1 05 836 1 14 835 1 22 878 51 977 69 527 83 393 97 418 1 05 833 1 14 248 1 25 673 1 36 360 1 45 911
- 55 121 68 843 83 897 92 582 98 372 1 03 583 1 13 947 1 23 636 1 32 292 C - 55 259 75 398 90 602 1 04 627 1 13 042 1 21 457 1 33 602 1 44 962 1 55 117
65 002 79 806 97 214 1 05 899 1 11 689 1 16 900 1 28 596 1 39 529 1 49 300 66 217 85 478 102 450 1 17 877 1 29 994 1 50 096 1 65 107 1 79 146 1 91 694
- 74 884 90 768 1 10 531 1 19 216 1 25 006 1 30 217 1 43 245 1 55 423 1 66 308
77 175 95 557 1 14 298 1 31 128 1 46 946 1 78 736 1 96 612 2 13 330 2 28 271
84 245 1 02 116 1 24 350 1 31 144 1 37 513 1 43 245 1 57 575 1 70 974 1 82 950
- 3 88 133 1 05 636 1 26 146 1 44 379 1 63 899 2 07 376 2 28 117 2 47 513 2 64 848
- 93 605 1 13 465 1 38 169 1 43 071 1 50 019 1 56 272 1 71 905 1 86 525 1 99 591
1 07 646 1 30 487 1 58 897 1 64 533 1 72 523 1 79 722 1 97 700 2 14 510 2 29 535 95 482 1 14 444 1 36 663 1 54 008 1 74 828 2 21 204 2 43 329 2 64 021 2 82 510
- 1 21 687 1 47 510 1 79 625 1 85 994 1 95 027 2 03 171 2 23 494 2 42 495 2 59 479 1 02 831 1 23 252 1 47 180 1 63 636 1 85 757 2 35 032 2 58 542 2 80 528 3 00 172
1 39 944 1 69 637 2 06 578 2 13 902 2 24 285 2 33 655 2 57 028 2 78 880 2 98 407 - 1 10 180 1 32 059 1 57 697 1 73 265 1 96 687 2 48 860 2 73 754 2 97 035 3 17 835
1 58 202 1 91 765 2 33 530 2 41 810 2 53 544 2 64 140 2 90 562 3 15 266 3 37 335 1 21 204 1 45 271 1 73 471 1 90 600 2 16 359 2 73 749 3 01 131 3 26 736 3 49 615
Plan type e band
1 32 228 1 58 483 1 89 244 2 07 935 2 36 031 2 98 639 3 28 508 3 56 436 3 81 396
3m-3 25 418 32 154 36 882 45 857 51 647 56 472 62 127 67 415 72 143
- 3 1 43 251 1 71 694 2 05 017 2 25 270 2 55 704 3 23 529 3 55 884 3 86 136 4 13 177
3 26 547 33 881 39 198 48 511 54 301 59 126 65 046 70 580 75 526
1 57 585 1 88 870 2 25 522 2 47 803 2 81 276 3 55 889 3 91 480 4 24 761 4 54 504
3 - 27 676 35 609 41 514 51 164 56 954 61 779 67 965 73 745 78 908
36 554 46 098 54 445 64 095 69 885 74 710 82 189 89 180 95 424 1 71 918 2 06 046 2 46 027 2 70 337 3 06 848 3 88 249 4 27 075 4 63 386 4 95 831
- 45 432 56 588 67 376 77 026 82 816 87 641 96 413 1 04 616 1 11 940 1 86 252 2 23 222 2 66 531 2 92 870 3 32 421 4 20 610 4 62 671 5 02 011 5 37 158
47 623 59 444 71 082 81 214 87 197 92 215 1 01 441 1 10 068 1 17 773 Plan type e band
- 49 813 62 300 74 788 85 403 91 579 96 790 1 06 468 1 15 520 1 23 607 3m-33 30 715 37 391 42 075 53 295 60 672 67 685 74 459 80 798 86 464
54 889 68 119 81 340 91 955 98 420 1 03 631 1 13 995 1 23 689 1 32 350 3 31 715 38 475 43 515 55 670 63 645 71 125 78 245 84 907 90 859
C - 59 965 73 938 87 892 98 507 1 05 262 1 10 473 1 21 522 1 31 858 1 41 093
3 32 716 39 560 44 955 58 045 66 619 74 566 82 032 89 017 95 253
78 040 94 131 1 14 379 1 28 130 1 46 465 1 65 958 1 82 559 1 98 081 2 11 953
3 - 3 33 716 40 644 46 395 60 420 69 592 78 007 85 819 93 126 99 648
- 96 114 1 14 324 1 40 865 1 57 752 1 87 667 2 21 442 2 43 595 2 64 304 2 82 813
1 08 128 1 28 620 1 58 479 1 73 533 2 06 440 2 43 592 2 67 956 2 90 735 3 11 092 40 691 48 910 56 100 70 125 79 045 87 460 96 216 1 04 407 1 11 718
- 1 20 143 1 42 917 1 76 093 1 89 314 2 25 212 2 65 742 2 92 318 3 17 167 3 39 371 47 666 57 175 65 805 79 830 88 498 96 913 1 06 613 1 15 688 1 23 789
1 38 169 1 64 359 2 02 515 2 17 714 2 58 996 3 05 606 3 36 167 3 64 746 3 90 280 - 54 641 65 441 75 511 89 536 97 951 1 06 366 1 17 011 1 26 968 1 35 860
- 1 56 195 1 85 801 2 28 937 2 46 114 2 92 781 3 45 470 3 80 017 4 12 325 4 41 188 55 604 66 628 77 493 91 518 99 933 1 08 348 1 19 189 1 29 329 1 38 389
1 79 625 2 13 680 2 63 281 2 83 035 3 36 698 3 97 291 4 37 020 4 74 172 5 07 368
56 568 67 816 79 475 93 500 1 01 915 1 10 330 1 21 368 1 31 690 1 40 919
2 03 055 2 41 559 2 97 625 3 19 955 3 80 615 4 49 111 4 94 022 5 36 019 5 73 548
- 3 57 531 69 003 81 457 95 482 1 03 897 1 12 312 1 23 546 1 34 051 1 43 448
Plan type e band
60 401 73 556 87 086 1 02 981 1 11 863 1 21 213 1 33 340 1 44 677 1 54 817
3m-3 28 564 35 666 40 376 49 331 55 121 60 332 66 373 72 018 77 065
3 30 118 37 384 42 885 52 187 57 977 63 188 69 514 75 424 80 708 63 271 78 110 92 715 1 10 480 1 19 830 1 30 115 1 43 134 1 55 304 1 66 187
3 - 31 671 39 102 45 394 55 044 60 834 66 045 72 655 78 831 84 351 C - 66 142 82 663 98 343 1 17 978 1 27 796 1 39 016 1 52 929 1 65 930 1 77 557
40 337 49 948 58 489 68 139 73 929 79 140 87 057 94 459 1 01 074 78 680 96 304 1 09 719 1 28 886 1 56 807 1 80 649 1 98 725 2 15 620 2 30 725
- 49 003 60 795 71 584 81 234 87 024 92 235 1 01 460 1 10 087 1 17 798 91 219 1 09 945 1 21 094 1 39 794 1 85 818 2 22 283 2 44 521 2 65 311 2 83 894
51 685 64 124 75 946 85 596 91 868 97 369 1 07 110 1 16 220 1 24 360
- 3 1 03 757 1 23 585 1 32 469 1 50 701 2 14 829 2 63 917 2 90 318 3 15 002 3 37 063
- 54 368 67 454 80 307 89 957 96 712 1 02 502 1 12 760 1 22 352 1 30 922
1 12 406 1 33 890 1 43 515 1 60 756 2 29 155 2 81 515 3 09 677 3 36 006 3 59 536
59 348 73 630 87 989 98 121 1 04 876 1 10 666 1 21 740 1 32 094 1 41 344
C - 64 327 79 806 95 670 1 06 285 1 13 040 1 18 830 1 30 719 1 41 836 1 51 766 1 21 054 1 44 195 1 54 561 1 70 811 2 43 481 2 99 114 3 29 036 3 57 011 3 82 008
83 694 1 02 033 1 22 540 1 36 291 1 54 626 1 74 408 1 91 856 2 08 170 2 22 746 - 1 29 703 1 54 499 1 65 607 1 80 866 2 57 808 3 16 713 3 48 395 3 78 016 4 04 481
- 1 03 062 1 24 261 1 49 409 1 66 297 1 96 212 2 29 987 2 52 994 2 74 504 2 93 727 1 42 681 1 69 955 1 82 175 1 98 959 2 83 595 3 48 390 3 83 238 4 15 818 4 44 929
1 15 945 1 39 794 1 68 088 1 82 929 2 15 836 2 52 988 2 78 292 3 01 953 3 23 096 1 55 659 1 85 411 1 98 744 2 17 051 3 09 382 3 80 068 4 18 081 4 53 620 4 85 377
- 1 28 828 1 55 326 1 86 766 1 99 562 2 35 460 2 75 990 3 03 589 3 29 403 3 52 466
- 3 1 68 637 2 00 866 2 15 312 2 35 143 3 35 169 4 11 746 4 52 923 4 91 422 5 25 825
1 48 156 1 78 631 2 14 790 2 29 496 2 70 779 3 17 389 3 49 127 3 78 811 4 05 334
1 85 504 2 20 959 2 36 845 2 58 658 3 68 689 4 52 923 4 98 219 5 40 570 5 78 414
- 1 67 485 2 01 936 2 42 813 2 59 431 3 06 098 3 58 787 3 94 666 4 28 219 4 58 201
1 92 614 2 32 227 2 79 242 2 98 349 3 52 013 4 12 605 4 53 868 4 92 454 5 26 933 2 02 371 2 41 052 2 58 378 2 82 174 4 02 209 4 94 101 5 43 516 5 89 719 6 31 003
2 17 743 2 62 519 3 15 671 3 37 268 3 97 927 4 66 423 5 13 071 5 56 689 5 95 666 2 19 239 2 61 146 2 79 911 3 05 689 4 35 729 5 35 278 5 88 812 6 38 867 6 83 593
Plan type e band Plan type e band
3m-3 32 810 40 569 45 606 59 116 67 724 75 482 83 038 90 102 96 413 3m-33 43 730 53 267 58 765 74 192 83 617 93 435 1 02 789 1 11 527 1 19 339
3 34 885 42 460 48 096 61 606 70 252 77 991 85 798 93 098 99 622 3 45 104 54 791 60 710 77 072 87 198 97 203 1 06 931 1 16 024 1 24 149
3 - 36 960 44 351 50 585 64 095 72 780 80 500 88 558 96 095 1 02 830 3 46 479 56 315 62 654 79 952 90 779 1 00 971 1 11 073 1 20 522 1 28 960
45 992 55 439 63 391 76 901 85 586 93 306 1 02 642 1 11 375 1 19 178
3 - 3 47 853 57 839 64 599 82 832 94 360 1 04 739 1 15 215 1 25 019 1 33 770
- 55 024 66 527 76 196 89 706 98 391 1 06 111 1 16 726 1 26 656 1 35 525
53 837 65 525 74 155 95 660 1 08 021 1 18 680 1 30 549 1 41 657 1 51 578
57 620 70 300 80 558 94 551 1 03 236 1 11 438 1 22 584 1 33 011 1 42 323
- 60 216 74 073 84 920 99 395 1 08 080 1 16 765 1 28 442 1 39 365 1 49 121 59 821 73 211 83 711 1 08 488 1 21 681 1 32 620 1 45 883 1 58 296 1 69 385
65 263 80 877 94 715 1 12 567 1 22 217 1 31 867 1 45 054 1 57 392 1 68 412 - 65 805 80 896 93 266 1 21 316 1 35 341 1 46 561 1 61 217 1 74 934 1 87 192
3C - 70 310 87 680 1 04 510 1 25 740 1 36 355 1 46 970 1 61 666 1 75 418 1 87 702 69 022 85 300 98 876 1 27 861 1 41 886 1 53 106 1 68 417 1 82 741 1 95 546
89 195 1 08 235 1 30 519 1 53 197 1 73 462 1 95 657 2 15 224 2 33 525 2 49 877 72 238 89 704 1 04 486 1 34 406 1 48 431 1 59 651 1 75 616 1 90 548 2 03 900
- 1 08 080 1 28 791 1 56 529 1 80 654 2 10 569 2 44 344 2 68 781 2 91 633 3 12 052 - 3 75 455 94 108 1 10 096 1 40 951 1 54 976 1 66 196 1 82 816 1 98 356 2 12 254
1 21 590 1 44 896 1 76 096 1 98 725 2 31 632 2 68 784 2 95 666 3 20 805 3 43 265
78 605 98 278 1 15 379 1 49 039 1 63 532 1 75 687 1 93 255 2 09 683 2 24 372
- 1 35 100 1 61 001 1 95 663 2 16 797 2 52 695 2 93 225 3 22 551 3 49 977 3 74 478
81 756 1 02 448 1 20 662 1 57 127 1 72 087 1 85 177 2 03 694 2 21 011 2 36 490
1 55 365 1 85 155 2 25 019 2 49 317 2 90 600 3 37 210 3 70 936 4 02 473 4 30 651
- 1 75 630 2 09 309 2 54 374 2 81 838 3 28 505 3 81 194 4 19 321 4 54 969 4 86 823 3C - 84 907 1 06 618 1 25 945 1 65 215 1 80 642 1 94 667 2 14 134 2 32 338 2 48 607
2 01 975 2 40 710 2 92 530 3 24 115 3 77 788 4 38 380 4 82 225 5 23 218 5 59 850 95 277 1 16 955 1 40 689 1 78 557 2 09 015 2 34 727 2 58 200 2 80 149 2 99 766
2 28 319 2 72 111 3 30 686 3 66 391 4 27 070 4 95 566 5 45 129 5 91 468 6 32 876 1 05 646 1 27 293 1 55 434 1 91 899 2 37 387 2 74 787 3 02 267 3 27 961 3 50 924
- 3 1 16 015 1 37 630 1 70 179 2 05 242 2 65 760 3 14 847 3 46 333 3 75 772 4 02 083
PR R T R C P CY T R Y R 1 25 683 1 49 106 1 84 363 2 18 930 2 83 483 3 35 843 3 69 428 4 00 830 4 28 894
1 35 351 1 60 583 1 98 547 2 32 619 3 01 206 3 56 838 3 92 522 4 25 888 4 55 705
Risk period mth 3 mths mths mths mths mths mths mths mths - 1 45 019 1 72 059 2 12 731 2 46 307 3 18 929 3 77 834 4 15 617 4 50 946 4 82 516
1 59 520 1 89 272 2 34 012 2 70 944 3 50 821 4 15 617 4 57 182 4 96 046 5 30 771
Refund on e istin 82.5% 75.0% 62.5% 52.5% 42.5% 32.5% 20.0% 10.0%
1 74 022 2 06 485 2 55 292 2 95 582 3 82 714 4 53 400 4 98 748 5 41 145 5 79 027
plan - 3 1 88 524 2 23 699 2 76 573 3 20 219 4 14 607 4 91 184 5 40 313 5 86 245 6 27 282
2 07 383 2 46 073 3 04 230 3 52 243 4 56 074 5 40 308 5 94 347 6 44 874 6 90 016
to be char ed on 82.5% 75.0% 62.5% 52.5% 42.5% 32.5% 20.0% 10.0% 2 26 242 2 68 448 3 31 888 3 84 266 4 97 542 5 89 433 6 48 380 7 03 503 7 52 750
proposed plan
2 45 101 2 90 822 3 59 545 4 16 290 5 39 009 6 38 558 7 02 414 7 62 133 8 15 484

- dult C - Child 4 - dult C - Child 13

 PREMIUM CHART FOR 3 YEARS (EXCLUDING TAX) (IN RS.) PREMIUM CHART – STAR COMPREHENSIVE INSURANCE POLICY
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 UIN No. SHAHLIP22028V072122 - BRO / COMP / V.14 / 2023
3m-33 29,228 37,335 43,646 54,866 63,281 70,293 77,334 83,912 89,788
34 30,818 40,158 46,713 57,933 66,348 73,360 80,705 87,567 93,701
PREMIUM CHART FOR 1 YEAR (EXCLUDING TAX) (IN RS.)
35 32,407 42,982 49,779 60,999 69,414 76,427 84,075 91,223 97,614 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
36-43 33,997 45,806 52,846 64,066 72,481 79,494 87,446 94,879 1,01,527 3m-35 7,015 8,540 9,725 12,225 14,100 15,265 16,795 18,225 19,505
44 43,608 56,736 66,890 78,110 86,525 93,537 1,02,897 1,11,644 1,19,465 36-45 8,075 10,125 11,775 14,275 16,150 17,615 19,380 21,030 22,505
45 53,220 67,666 80,934 92,154 1,00,569 1,07,581 1,18,348 1,28,408 1,37,403 46-50 13,200 16,865 19,865 22,365 24,435 26,215 28,840 31,295 33,490
46-48 62,832 78,596 94,977 1,06,197 1,14,612 1,21,625 1,33,799 1,45,173 1,55,341 51-55 16,100 19,635 22,395 26,410 29,875 32,140 35,355 38,365 41,055
49 63,991 79,999 96,819 1,08,507 1,16,922 1,24,121 1,36,543 1,48,151 1,58,529 1A 56-60 18,700 22,885 26,170 30,985 34,920 37,665 41,435 44,960 48,110
50 65,151 81,401 98,661 1,10,816 1,19,231 1,26,618 1,39,287 1,51,129 1,61,718 61-65 25,750 30,625 34,295 40,610 44,780 47,555 52,315 56,765 60,740
51-53 66,310 82,804 1,00,503 1,13,126 1,21,541 1,29,114 1,42,031 1,54,107 1,64,906 66-70 35,315 40,830 44,745 49,335 51,730 53,885 59,275 64,315 68,820
54 70,910 88,554 1,07,647 1,20,269 1,28,684 1,36,258 1,49,890 1,62,634 1,74,027
71-75 41,410 49,255 55,170 61,935 64,940 67,655 74,425 80,755 86,410
55 75,511 94,304 1,14,790 1,27,412 1,35,827 1,43,401 1,57,749 1,71,161 1,83,148
>75 54,235 64,190 71,625 79,810 83,680 87,180 95,900 1,04,055 1,11,340
2A 56-58 80,111 1,00,054 1,21,933 1,34,556 1,42,971 1,50,544 1,65,607 1,79,688 1,92,269
59 89,685 1,10,676 1,34,836 1,47,459 1,55,874 1,63,447 1,79,801 1,95,088 2,08,748 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
60 99,260 1,21,298 1,47,739 1,60,362 1,68,777 1,76,350 1,93,994 2,10,487 2,25,227 3m-35 9,180 11,340 13,250 16,230 18,730 21,130 23,245 25,225 26,995
61-63 1,08,834 1,31,919 1,60,642 1,73,265 1,81,680 1,89,253 2,08,187 2,25,887 2,41,707 36-45 10,120 12,340 14,670 18,400 20,900 23,900 26,290 28,525 30,525
64 1,17,904 1,42,915 1,74,032 1,84,821 1,93,797 2,01,876 2,22,072 2,40,954 2,57,831 46-50 14,240 17,170 20,710 25,710 28,210 31,210 34,335 37,255 39,865
65 1,26,973 1,53,910 1,87,421 1,96,378 2,05,915 2,14,498 2,35,957 2,56,022 2,73,955 51-55 16,190 20,600 24,590 29,590 32,590 35,590 39,150 42,480 45,455
66-68 1,36,043 1,64,906 2,00,810 2,07,935 2,18,033 2,27,121 2,49,841 2,71,089 2,90,079 1A+1C 56-60 19,700 26,880 32,300 37,300 40,300 43,300 47,630 51,680 55,300
69 1,49,647 1,81,399 2,20,894 2,28,729 2,39,837 2,49,841 2,74,834 2,98,204 3,19,092 61-65 31,420 37,660 44,972 51,472 58,431 73,931 81,325 88,240 94,420
70 1,63,251 1,97,893 2,40,978 2,49,523 2,61,641 2,72,562 2,99,826 3,25,319 3,48,105 66-70 39,280 47,080 56,220 61,770 70,120 88,720 97,595 1,05,895 1,13,310
71-73 1,76,855 2,14,386 2,61,061 2,70,318 2,83,445 2,95,282 3,24,819 3,52,434 3,77,118 71-75 51,070 61,210 73,090 80,310 91,160 1,15,340 1,26,875 1,37,660 1,47,300
74 1,94,545 2,35,826 2,87,176 2,97,358 3,11,794 3,24,819 3,57,310 3,87,688 4,14,836 >75 66,400 79,580 95,020 1,04,410 1,18,510 1,49,950 1,64,945 1,78,970 1,91,500
75 2,12,236 2,57,265 3,13,290 3,24,398 3,40,144 3,54,356 3,89,802 4,22,943 4,52,554
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
>75 2,29,926 2,78,705 3,39,405 3,51,438 3,68,493 3,83,892 4,22,293 4,58,197 4,90,272
3m-35 10,950 13,330 15,000 19,000 21,630 24,130 26,545 28,805 30,825
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
36-45 12,020 14,490 16,540 21,540 24,810 27,810 30,595 33,200 35,525
3m-33 36,942 46,731 53,604 66,647 75,062 82,074 90,293 97,979 1,04,851
46-50 19,480 23,330 26,920 31,920 34,920 37,920 41,715 45,265 48,435
34 38,036 48,405 55,848 69,218 77,633 84,646 93,121 1,01,045 1,08,128
35 39,130 50,079 58,092 71,789 80,204 87,217 95,950 1,04,112 1,11,405 51-55 20,510 24,600 29,040 34,040 37,040 40,040 44,045 47,790 51,140
36-43 40,224 51,752 60,336 74,361 82,776 89,788 98,778 1,07,179 1,14,682 1A+2C 56-60 23,580 29,470 35,060 42,060 45,560 49,560 54,520 59,155 63,300
44 48,826 61,916 72,865 86,890 95,305 1,02,317 1,12,560 1,22,134 1,30,685 61-65 36,990 44,059 47,226 53,726 76,588 94,088 1,03,500 1,12,300 1,20,165
45 57,428 72,079 85,394 99,419 1,07,834 1,14,846 1,26,342 1,37,090 1,46,687 66-70 46,240 55,080 59,040 64,480 91,910 1,12,910 1,24,205 1,34,765 1,44,200
46-48 66,030 82,243 97,923 1,11,948 1,20,363 1,27,375 1,40,124 1,52,045 1,62,690 71-75 60,120 71,610 76,760 83,830 1,19,490 1,46,790 1,61,470 1,75,195 1,87,460
49 68,152 85,010 1,01,513 1,16,005 1,24,607 1,31,807 1,44,995 1,57,328 1,68,342 >75 78,160 93,100 99,790 1,08,980 1,55,340 1,90,830 2,09,915 2,27,760 2,43,705
50 70,275 87,778 1,05,103 1,20,063 1,28,852 1,36,239 1,49,866 1,62,611 1,73,994 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
51-53 72,397 90,545 1,08,694 1,24,121 1,33,097 1,40,671 1,54,738 1,67,893 1,79,646 3m-35 15,590 18,990 20,950 26,450 29,810 33,310 36,645 39,760 42,545
54 77,315 96,183 1,15,042 1,30,470 1,39,726 1,47,300 1,62,031 1,75,808 1,88,117 36-45 17,060 20,620 23,030 29,530 33,640 37,340 41,075 44,570 47,690
55 82,233 1,01,822 1,21,391 1,36,819 1,46,356 1,53,929 1,69,324 1,83,723 1,96,588
46-50 23,460 28,840 33,250 43,250 48,250 52,250 57,475 62,365 66,735
2A+1C 56-58 87,151 1,07,460 1,27,740 1,43,167 1,52,985 1,60,558 1,76,617 1,91,638 2,05,060
51-55 26,900 33,550 39,250 50,250 55,250 59,250 65,175 70,715 75,670
59 1,04,664 1,27,024 1,53,403 1,71,869 1,92,906 2,14,318 2,35,756 2,55,802 2,73,717
1A+3C 56-60 30,270 38,010 44,900 58,900 64,400 69,400 76,340 82,830 88,630
60 1,22,176 1,46,589 1,79,066 2,00,571 2,32,828 2,68,078 2,94,894 3,19,966 3,42,374
61-63 1,39,689 1,66,154 2,04,729 2,29,272 2,72,750 3,21,837 3,54,033 3,84,131 4,11,031 61-65 41,360 49,066 60,670 73,170 94,745 1,12,245 1,23,470 1,33,965 1,43,345
64 1,51,330 1,80,006 2,21,795 2,44,562 2,90,938 3,43,298 3,77,637 4,09,740 4,38,431 66-70 51,700 61,340 75,840 87,810 1,13,700 1,34,700 1,48,170 1,60,765 1,72,020
65 1,62,971 1,93,858 2,38,862 2,59,852 3,09,127 3,64,759 4,01,241 4,35,350 4,65,831 71-75 67,210 79,750 98,600 1,14,160 1,47,810 1,75,110 1,92,625 2,09,000 2,23,630
66-68 1,74,611 2,07,710 2,55,928 2,75,142 3,27,315 3,86,220 4,24,845 4,60,960 4,93,231 >75 87,380 1,03,680 1,28,180 1,48,410 1,92,160 2,27,650 2,50,415 2,71,705 2,90,725
69 1,92,077 2,28,486 2,81,529 3,02,660 3,60,050 4,24,845 4,67,332 5,07,060 5,42,557 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
70 2,09,543 2,49,262 3,07,129 3,30,177 3,92,784 4,63,470 5,09,818 5,53,160 5,91,883 3m-35 10,420 13,310 15,560 19,560 22,560 25,060 27,570 29,915 32,010
71-73 2,27,009 2,70,037 3,32,729 3,57,694 4,25,519 5,02,095 5,52,305 5,99,260 6,41,209 36-45 12,120 16,330 18,840 22,840 25,840 28,340 31,175 33,825 36,195
74 2,49,710 2,97,050 3,66,006 3,93,467 4,68,070 5,52,305 6,07,535 6,59,184 7,05,331 46-50 22,400 28,020 33,860 37,860 40,860 43,360 47,700 51,755 55,380
75 2,72,412 3,24,062 3,99,282 4,29,240 5,10,622 6,02,514 6,62,765 7,19,109 7,69,454 51-55 23,640 29,520 35,830 40,330 43,330 46,030 50,635 54,940 58,790
>75 2,95,114 3,51,074 4,32,559 4,65,013 5,53,174 6,52,724 7,17,996 7,79,033 8,33,576
2A 56-60 28,560 35,670 43,470 47,970 50,970 53,670 59,040 64,060 68,545
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
61-65 38,800 47,030 57,270 61,770 64,770 67,470 74,220 80,530 86,170
3m-33 41,514 51,836 58,681 71,696 80,111 87,684 96,464 1,04,669 1,12,004
34 43,019 53,501 61,112 74,463 82,878 90,452 99,507 1,07,969 1,15,533 66-70 48,500 58,790 71,590 74,130 77,730 80,970 89,070 96,645 1,03,415
35 44,525 55,165 63,543 77,231 85,646 93,220 1,02,551 1,11,270 1,19,063 71-75 63,050 76,430 93,070 96,370 1,01,050 1,05,270 1,15,800 1,25,645 1,34,445
36-43 46,030 56,829 65,974 79,999 88,414 95,987 1,05,594 1,14,570 1,22,593 >75 81,970 99,360 1,21,000 1,25,290 1,31,370 1,36,860 1,50,550 1,63,350 1,74,785
44 54,426 67,339 78,662 92,687 1,01,102 1,08,675 1,19,549 1,29,713 1,38,796 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
45 62,823 77,848 91,350 1,05,375 1,13,790 1,21,363 1,33,504 1,44,855 1,55,000 3m-35 13,170 16,660 19,110 23,760 26,760 29,260 32,190 34,930 37,380
46-48 71,219 88,358 1,04,037 1,18,062 1,26,477 1,34,051 1,47,459 1,59,997 1,71,203 36-45 14,340 18,450 21,510 26,510 29,510 32,010 35,215 38,210 40,885
49 73,818 91,583 1,08,264 1,22,289 1,31,171 1,39,025 1,52,933 1,65,939 1,77,561 46-50 23,540 29,320 34,910 39,910 42,910 45,410 49,955 54,205 58,000
50 76,418 94,809 1,12,490 1,26,515 1,35,865 1,43,999 1,58,408 1,71,881 1,83,919 51-55 25,810 32,280 38,750 44,250 47,450 50,150 55,165 59,855 64,045
51-53 79,017 98,035 1,16,716 1,30,741 1,40,559 1,48,974 1,63,882 1,77,823 1,90,277 2A+1C 56-60 31,070 38,310 45,540 51,040 54,540 57,240 62,965 68,320 73,105
54 83,841 1,04,019 1,24,159 1,38,651 1,48,469 1,56,884 1,72,582 1,87,262 2,00,375
61-65 49,800 59,235 72,987 81,737 97,237 1,14,737 1,26,215 1,36,945 1,46,535
55 88,666 1,10,003 1,31,601 1,46,561 1,56,379 1,64,794 1,81,282 1,96,701 2,10,473
66-70 62,250 74,050 91,240 98,090 1,16,690 1,37,690 1,51,460 1,64,335 1,75,840
2A+2C 56-58 93,491 1,15,987 1,39,044 1,54,471 1,64,289 1,72,704 1,89,983 2,06,139 2,20,571
59 1,12,256 1,37,524 1,65,078 1,83,544 2,04,582 2,26,554 2,49,220 2,70,411 2,89,345 71-75 80,930 96,270 1,18,620 1,27,520 1,51,700 1,79,000 1,96,900 2,13,640 2,28,595
60 1,31,022 1,59,060 1,91,112 2,12,617 2,44,875 2,80,405 3,08,457 3,34,683 3,58,119 >75 1,05,210 1,25,160 1,54,210 1,65,780 1,97,210 2,32,700 2,55,970 2,77,730 2,97,175
61-63 1,49,787 1,80,597 2,17,146 2,41,690 2,85,168 3,34,255 3,67,693 3,98,955 4,26,893 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
64 1,62,269 1,95,647 2,35,244 2,57,806 3,04,182 3,56,542 3,92,204 4,25,551 4,55,350 3m-35 14,800 18,480 20,920 25,560 28,560 31,260 34,390 37,315 39,930
65 1,74,752 2,10,697 2,53,342 2,73,921 3,23,196 3,78,828 4,16,715 4,52,147 4,83,806 36-45 16,410 20,260 23,520 28,520 31,520 34,220 37,645 40,845 43,705
66-68 1,87,234 2,25,746 2,71,440 2,90,037 3,42,210 4,01,115 4,41,227 4,78,743 5,12,263 46-50 25,390 31,500 37,090 42,090 45,090 47,790 52,570 57,040 61,035
69 2,05,962 2,48,327 2,98,592 3,19,041 3,76,431 4,41,227 4,85,349 5,26,615 5,63,487 51-55 28,170 34,950 41,610 46,610 50,110 53,110 58,425 63,395 67,835
70 2,24,690 2,70,907 3,25,745 3,48,044 4,10,652 4,81,338 5,29,472 5,74,487 6,14,711 2A+2C 56-60 33,330 41,350 49,570 55,070 58,570 61,570 67,730 73,490 78,635
71-73 2,43,418 2,93,487 3,52,897 3,77,048 4,44,873 5,21,450 5,73,594 6,22,359 6,65,935 61-65 53,400 64,384 77,414 86,164 1,01,664 1,19,164 1,31,085 1,42,230 1,52,190
74 2,67,765 3,22,837 3,88,193 4,14,757 4,89,360 5,73,594 6,30,957 6,84,598 7,32,530 66-70 66,750 80,480 96,770 1,03,400 1,22,000 1,43,000 1,57,300 1,70,675 1,82,625
75 2,92,113 3,52,186 4,23,490 4,52,465 5,33,848 6,25,739 6,88,319 7,46,836 7,99,126 71-75 86,780 1,04,630 1,25,810 1,34,420 1,58,600 1,85,900 2,04,490 2,21,875 2,37,410
>75 3,16,460 3,81,536 4,58,786 4,90,174 5,78,335 6,77,884 7,45,681 8,09,074 8,65,721
>75 1,12,820 1,36,020 1,63,560 1,74,750 2,06,180 2,41,670 2,65,840 2,88,440 3,08,635
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
3m-33 47,685 58,961 66,282 85,917 98,427 1,09,704 1,20,685 1,30,951 1,40,124 3m-35 17,000 21,020 23,630 30,630 35,090 39,110 43,025 46,685 49,955
34 49,695 60,794 68,694 88,329 1,00,877 1,12,135 1,23,359 1,33,855 1,43,233
36-45 19,150 22,980 26,210 33,210 37,710 41,710 45,885 49,790 53,280
35 51,706 62,626 71,107 90,742 1,03,327 1,14,566 1,26,033 1,36,758 1,46,342
46-50 28,510 34,470 39,480 46,480 50,980 54,980 60,480 65,625 70,220
36-43 53,716 64,459 73,519 93,154 1,05,777 1,16,997 1,28,707 1,39,661 1,49,450
51-55 31,200 38,380 44,000 51,500 56,000 60,500 66,550 72,210 77,265
44 62,467 75,202 85,927 1,05,562 1,18,184 1,29,404 1,42,354 1,54,467 1,65,289
45 71,219 85,945 98,334 1,17,969 1,30,591 1,41,811 1,56,000 1,69,272 1,81,128 2A+3C 56-60 36,430 45,430 54,150 65,150 70,650 76,150 83,765 90,890 97,255
46-48 79,971 96,688 1,10,741 1,30,376 1,42,999 1,54,219 1,69,646 1,84,078 1,96,967 61-65 56,000 66,731 81,103 93,603 1,09,103 1,26,603 1,39,265 1,51,105 1,61,685
49 82,486 1,00,344 1,14,968 1,35,070 1,47,693 1,59,380 1,75,322 1,90,235 2,03,554 66-70 70,000 83,420 1,01,380 1,12,330 1,30,930 1,51,930 1,67,125 1,81,335 1,94,030
50 85,001 1,04,000 1,19,194 1,39,764 1,52,386 1,64,541 1,80,997 1,96,392 2,10,141 71-75 91,000 1,08,450 1,31,800 1,46,030 1,70,210 1,97,510 2,17,265 2,35,735 2,52,240
51-53 87,516 1,07,656 1,23,420 1,44,458 1,57,080 1,69,703 1,86,673 2,02,549 2,16,728 >75 1,18,300 1,40,990 1,71,340 1,89,840 2,21,280 2,56,770 2,82,450 3,06,460 3,27,915
54 92,406 1,14,248 1,32,910 1,57,220 1,70,778 1,84,335 2,02,769 2,20,015 2,35,419
55 97,296 1,20,839 1,42,401 1,69,983 1,84,476 1,98,968 2,18,865 2,37,481 2,54,110
2A+3C 56-58 1,02,186 1,27,431 1,51,891 1,82,746 1,98,173 2,13,601 2,34,961 2,54,946 2,72,800
PREMIUM FOR MIDTERM INCLUSION – POLICY TERM 1 YEAR
59 1,20,484 1,47,348 1,77,092 2,09,349 2,34,127 2,60,774 2,86,853 3,11,247 3,33,042 Risk period 1 mth 3 mths 6 mths 9 mths >9 mnths
60 1,38,782 1,67,264 2,02,293 2,35,953 2,70,080 3,07,948 3,38,746 3,67,549 3,93,284
Refund on existing plan 77.5% 62.5% 42.5% 20.0%
61-63 1,57,080 1,87,180 2,27,494 2,62,556 3,06,034 3,55,121 3,90,638 4,23,850 4,53,526 NA
64 1,70,170 2,02,785 2,46,453 2,80,066 3,26,442 3,78,802 4,16,687 4,52,115 4,83,769 % to be charged on proposed plan 77.5% 62.5% 42.5% 20.0%
65 1,83,260 2,18,389 2,65,412 2,97,576 3,46,850 4,02,483 4,42,737 4,80,380 5,14,012
66-68 1,96,350 2,33,993 2,84,371 3,15,086 3,67,259 4,26,164 4,68,786 5,08,645 5,44,254
69 2,15,985 2,57,396 3,12,814 3,46,595 4,03,985 4,68,781 5,15,667 5,59,509 5,98,681
PREMIUM CHART FOR 2 YEARS (EXCLUDING TAX) (IN RS.)
70 2,35,620 2,80,799 3,41,256 3,78,105 4,40,712 5,11,398 5,62,547 6,10,373 6,53,107 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
71-73 2,55,255 3,04,202 3,69,699 4,09,614 4,77,439 5,54,016 6,09,428 6,61,237 7,07,533 3m-34 13,539 16,482 18,769 23,594 27,213 29,461 32,414 35,174 37,645
74 2,80,781 3,34,627 4,06,669 4,50,577 5,25,190 6,09,424 6,70,376 7,27,365 7,78,289 35 14,562 18,012 20,748 25,573 29,191 31,729 34,909 37,881 40,540
75 3,06,306 3,65,052 4,43,639 4,91,539 5,72,940 6,64,832 7,31,324 7,93,492 8,49,045 36-44 15,585 19,541 22,726 27,551 31,170 33,997 37,403 40,588 43,435
>75 3,31,832 3,95,477 4,80,609 5,32,501 6,20,690 7,20,240 7,92,272 8,59,620 9,19,802 45 20,530 26,045 30,533 35,358 39,165 42,296 46,532 50,494 54,035
46-49 25,476 32,549 38,339 43,164 47,160 50,595 55,661 60,399 64,636
PREMIUM FOR MIDTERM INCLUSION – POLICY TERM 3 YEARS 50 28,275 35,223 40,781 47,068 52,409 56,313 61,948 67,222 71,936
1 3 6 9 12 15 18 21 24 27 30 33 >33 51-54 31,073 37,896 43,222 50,971 57,659 62,030 68,235 74,044 79,236
Risk period
mth mths mths mths mths mths mths mths mths mths mths mths mths 55 33,582 41,032 46,865 55,386 62,527 67,362 74,102 80,409 86,044
Refund on existing plan 82.5% 77.5% 70.0% 62.5% 57.5% 50.0% 42.5% 35.0% 27.5% 20.0% 15.0% 7.5% 1A 56-59 36,091 44,168 50,508 59,801 67,396 72,693 79,970 86,773 92,852
% to be charged on NA 60 42,894 51,637 58,349 69,089 76,911 82,237 90,469 98,165 1,05,040
82.5% 77.5% 70.0% 62.5% 57.5% 50.0% 42.5% 35.0% 27.5% 20.0% 15.0% 7.5%
proposed plan 61-64 49,698 59,106 66,189 78,377 86,425 91,781 1,00,968 1,09,556 1,17,228
65 58,928 68,954 76,274 86,797 93,132 97,890 1,07,684 1,16,842 1,25,025
Benefit Illustration in respect of Policies offered on Individual and Family Floater Basis 66-69 68,158 78,802 86,358 95,217 99,839 1,03,998 1,14,401 1,24,128 1,32,823
Coverage opted on individual basis Coverage opted on individual basis covering 70 74,040 86,932 96,418 1,07,376 1,12,587 1,17,286 1,29,021 1,39,993 1,49,797
Coverage opted on family floater basis with overall Sum insured
covering each member of the family multiple members of the family under a single policy 71-74 79,921 95,062 1,06,478 1,19,535 1,25,334 1,30,574 1,43,640 1,55,857 1,66,771
(Only one sum insured is available for the entire family)
separately (at a single point of time) (Sum insured is available for each member of the family) 75 92,297 1,09,474 1,22,357 1,36,784 1,43,418 1,49,416 1,64,364 1,78,342 1,90,829
Age of the
Members Premium or >75 1,04,674 1,23,887 1,38,236 1,54,033 1,61,502 1,68,257 1,85,087 2,00,826 2,14,886
insured Premium consolidated
Floater Premium Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
(in yrs) Premium Sum Insured Premium Discount, After Sum Insured premium for Sum Insured
Discount, After Discount 3m-34 17,717 21,886 25,573 31,324 36,149 40,781 44,863 48,684 52,100
(Rs.) (Rs.) (Rs.) (if any) Discount (Rs.) all members (Rs.)
(if any) (Rs.)
(Rs.) of family 35 18,625 22,851 26,943 33,418 38,243 43,454 47,801 51,869 55,507
(Rs.) 36-44 19,532 23,816 28,313 35,512 40,337 46,127 50,740 55,053 58,913
Illustration - 1 45 23,507 28,477 34,142 42,566 47,391 53,181 58,503 63,478 67,926
64 25,750 5,00,000 25,750 25,750 5,00,000 46-49 27,483 33,138 39,970 49,620 54,445 60,235 66,267 71,902 76,939
Nil 44,450 5,650 38,800 5,00,000
58 18,700 5,00,000 18,700 18,700 5,00,000 50 29,365 36,448 43,715 53,365 58,672 64,462 70,913 76,944 82,334
Total Premium for all members of the family is Rs.44,450/-, Total Premium for all members of the family is Rs.44,450/-, Total Premium when policy is opted on floater basis is Rs.38,800/-. 51-54 31,247 39,758 47,459 57,109 62,899 68,689 75,560 81,986 87,728
when each member is covered separately. when they are covered under a single policy. 55 34,634 45,818 54,899 64,549 70,339 76,129 83,743 90,864 97,229
Sum insured available for each individual is Rs.5,00,000/-. Sum insured available for each family member is Rs.5,00,000/- Sum insured of Rs.5,00,000/- is available for the entire family (2A)
1A +1C 56-59 38,021 51,878 62,339 71,989 77,779 83,569 91,926 99,742 1,06,729
Illustration - 2 60 49,331 62,281 74,567 85,665 95,275 1,13,128 1,24,442 1,35,023 1,44,480
47 13,200 5,00,000 13,200 13,200 5,00,000 61-64 60,641 72,684 86,796 99,341 1,12,772 1,42,687 1,56,957 1,70,303 1,82,231
44 8,075 5,00,000 8,075 Nil 8,075 5,00,000 28,290 4,750 23,540 5,00,000 65 68,226 81,774 97,650 1,09,279 1,24,052 1,56,958 1,72,658 1,87,340 2,00,459
19 7,015 5,00,000 7,015 7,015 5,00,000 66-69 75,810 90,864 1,08,505 1,19,216 1,35,332 1,71,230 1,88,358 2,04,377 2,18,688
Total Premium for all members of the family is Rs.28,290/-, Total Premium for all members of the family is Rs.28,290/-, Total Premium when policy is opted on floater basis is Rs.23,540/-. 70 87,188 1,04,500 1,24,784 1,37,107 1,55,635 1,96,918 2,16,614 2,35,031 2,51,489
when each member is covered separately. when they are covered under a single policy. 71-74 98,565 1,18,135 1,41,064 1,54,998 1,75,939 2,22,606 2,44,869 2,65,684 2,84,289
Sum insured available for each individual is Rs.5,00,000/- Sum insured available for each family member is Rs.5,00,000/- Sum insured of Rs.5,00,000/- is available for the entire family (2A+1C) 75 1,13,359 1,35,862 1,62,226 1,78,255 2,02,332 2,56,005 2,81,606 3,05,548 3,26,942
Note: Premium rates specified in the above illustration are standard premium rates without considering any loading. Also, the premium rates are exclusive of taxes applicable. >75 1,28,152 1,53,589 1,83,389 2,01,511 2,28,724 2,89,404 3,18,344 3,45,412 3,69,595
A - Adult | C - Child 4 A - Adult | C - Child 1
 PREMIUM CHART WITH BUY BACK FOR 3 YEARS (EXCLUDING TAX) (IN RS.) PREMIUM CHART WITH BUY BACK – STAR COMPREHENSIVE INSURANCE POLICY
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 UIN No. SHAHLIP22028V072122 - BRO / COMP / V.14 / 2023
3m-33 31,177 39,824 46,556 58,524 67,500 74,980 82,489 89,506 95,774 PREMIUM CHART WITH BUY BACK FOR 1 YEAR (EXCLUDING TAX) (IN RS.)
34 32,766 42,647 49,622 61,590 70,566 78,046 85,860 93,162 99,687
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
35 34,356 45,471 52,689 64,657 73,633 81,113 89,231 96,817 1,03,600 3m-35 8,418 10,248 11,670 14,670 16,920 18,318 20,154 21,870 23,406
36-43 37,396 50,386 58,131 70,473 79,729 87,443 96,190 1,04,367 1,11,680 36-45 10,498 13,163 15,308 18,558 20,995 22,900 25,194 27,339 29,257
44 47,008 61,316 72,175 84,517 93,773 1,01,487 1,11,641 1,21,132 1,29,618 46-50 17,820 22,768 26,818 30,193 32,987 35,390 38,934 42,248 45,212
45 56,620 72,247 86,218 98,560 1,07,817 1,15,530 1,27,092 1,37,896 1,47,556 51-55 24,150 29,453 33,593 39,615 44,813 48,210 53,033 57,548 61,583
46-48 70,162 87,766 1,06,058 1,18,587 1,27,984 1,35,814 1,49,408 1,62,110 1,73,464 1A 56-60 28,050 34,328 39,255 46,478 52,380 56,498 62,153 67,440 72,165
49 71,322 89,168 1,07,900 1,20,896 1,30,293 1,38,311 1,52,153 1,65,088 1,76,652 61-65 38,625 45,938 51,443 60,915 67,170 71,333 78,473 85,148 91,110
50 72,481 90,571 1,09,742 1,23,206 1,32,603 1,40,807 1,54,897 1,68,066 1,79,841 66-70 52,973 61,245 67,118 74,003 77,595 80,828 88,913 96,473 1,03,230
51-53 77,362 96,604 1,17,254 1,31,980 1,41,797 1,50,633 1,65,703 1,79,791 1,92,390 71-75 62,115 73,883 82,755 92,903 97,410 1,01,483 1,11,638 1,21,133 1,29,615
>75 81,353 96,285 1,07,438 1,19,715 1,25,520 1,30,770 1,43,850 1,56,083 1,67,010
54 81,962 1,02,354 1,24,397 1,39,123 1,48,941 1,57,777 1,73,562 1,88,318 2,01,511
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
55 86,562 1,08,105 1,31,540 1,46,267 1,56,084 1,64,920 1,81,420 1,96,846 2,10,632
3m-35 11,016 13,608 15,900 19,476 22,476 25,356 27,894 30,270 32,394
2A 56-58 93,463 1,16,730 1,42,256 1,56,982 1,66,799 1,75,635 1,93,208 2,09,636 2,24,314
36-45 13,156 16,042 19,071 23,920 27,170 31,070 34,177 37,083 39,683
59 1,03,037 1,27,352 1,55,159 1,69,885 1,79,702 1,88,538 2,07,402 2,25,036 2,40,793 46-50 19,224 23,180 27,959 34,709 38,084 42,134 46,352 50,294 53,818
60 1,12,611 1,37,973 1,68,062 1,82,788 1,92,605 2,01,441 2,21,595 2,40,435 2,57,272 51-55 24,285 30,900 36,885 44,385 48,885 53,385 58,725 63,720 68,183
61-63 1,26,973 1,53,906 1,87,416 2,02,142 2,11,960 2,20,796 2,42,885 2,63,534 2,81,991 1A+1C 56-60 29,550 40,320 48,450 55,950 60,450 64,950 71,445 77,520 82,950
64 1,36,043 1,64,901 2,00,805 2,13,699 2,24,077 2,33,418 2,56,770 2,78,602 2,98,115 61-65 47,130 56,490 67,458 77,208 87,647 1,10,897 1,21,988 1,32,360 1,41,630
65 1,45,112 1,75,897 2,14,194 2,25,256 2,36,195 2,46,041 2,70,654 2,93,669 3,14,239 66-70 58,920 70,620 84,330 92,655 1,05,180 1,33,080 1,46,393 1,58,843 1,69,965
66-68 1,58,716 1,92,390 2,34,278 2,42,590 2,54,371 2,64,974 2,91,482 3,16,271 3,38,426 71-75 76,605 91,815 1,09,635 1,20,465 1,36,740 1,73,010 1,90,313 2,06,490 2,20,950
69 1,72,321 2,08,884 2,54,362 2,63,385 2,76,176 2,87,695 3,16,474 3,43,386 3,67,439 >75 99,600 1,19,370 1,42,530 1,56,615 1,77,765 2,24,925 2,47,418 2,68,455 2,87,250
70 1,85,925 2,25,377 2,74,446 2,84,179 2,97,980 3,10,415 3,41,467 3,70,501 3,96,452 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
3m-35 13,140 15,996 18,000 22,800 25,956 28,956 31,854 34,566 36,990
71-73 2,06,331 2,50,117 3,04,572 3,15,371 3,30,686 3,44,496 3,78,956 4,11,173 4,39,971
36-45 15,626 18,837 21,502 28,002 32,253 36,153 39,774 43,160 46,183
74 2,24,021 2,71,557 3,30,686 3,42,411 3,59,035 3,74,033 4,11,447 4,46,427 4,77,689
46-50 26,298 31,496 36,342 43,092 47,142 51,192 56,315 61,108 65,387
75 2,41,712 2,92,996 3,56,801 3,69,451 3,87,385 4,03,569 4,43,938 4,81,682 5,15,407
51-55 30,765 36,900 43,560 51,060 55,560 60,060 66,068 71,685 76,710
>75 2,68,247 3,25,156 3,95,973 4,10,012 4,29,908 4,47,874 4,92,675 5,34,563 5,71,984 1A+2C 56-60 35,370 44,205 52,590 63,090 68,340 74,340 81,780 88,733 94,950
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 61-65 55,485 66,089 70,839 80,589 1,14,882 1,41,132 1,55,250 1,68,450 1,80,248
3m-33 39,405 49,847 57,177 71,090 80,066 87,546 96,312 1,04,511 1,11,841 66-70 69,360 82,620 88,560 96,720 1,37,865 1,69,365 1,86,308 2,02,148 2,16,300
34 40,499 51,520 59,421 73,661 82,637 90,117 99,141 1,07,577 1,15,118 71-75 90,180 1,07,415 1,15,140 1,25,745 1,79,235 2,20,185 2,42,205 2,62,793 2,81,190
35 41,593 53,194 61,665 76,232 85,208 92,688 1,01,969 1,10,644 1,18,395 >75 1,17,240 1,39,650 1,49,685 1,63,470 2,33,010 2,86,245 3,14,873 3,41,640 3,65,558
36-43 44,246 56,927 66,369 81,797 91,053 98,767 1,08,656 1,17,897 1,26,151 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
3m-35 18,708 22,788 25,140 31,740 35,772 39,972 43,974 47,712 51,054
44 52,848 67,091 78,898 94,326 1,03,582 1,11,296 1,22,438 1,32,852 1,42,153
36-45 22,178 26,806 29,939 38,389 43,732 48,542 53,398 57,941 61,997
45 61,450 77,254 91,427 1,06,855 1,16,111 1,23,825 1,36,220 1,47,808 1,58,156 46-50 31,671 38,934 44,888 58,388 65,138 70,538 77,591 84,193 90,092
46-48 73,733 91,838 1,09,347 1,25,008 1,34,405 1,42,235 1,56,472 1,69,784 1,81,671 51-55 40,350 50,325 58,875 75,375 82,875 88,875 97,763 1,06,073 1,13,505
49 75,856 94,605 1,12,937 1,29,066 1,38,650 1,46,667 1,61,343 1,75,066 1,87,323 1A+3C 56-60 45,405 57,015 67,350 88,350 96,600 1,04,100 1,14,510 1,24,245 1,32,945
61-65 62,040 73,599 91,005 1,09,755 1,42,118 1,68,368 1,85,205 2,00,948 2,15,018
50 77,978 97,373 1,16,528 1,33,124 1,42,895 1,51,099 1,66,214 1,80,349 1,92,975
66-70 77,550 92,010 1,13,760 1,31,715 1,70,550 2,02,050 2,22,255 2,41,148 2,58,030
51-53 84,463 1,05,636 1,26,809 1,44,808 1,55,280 1,64,116 1,80,527 1,95,875 2,09,587
71-75 1,00,815 1,19,625 1,47,900 1,71,240 2,21,715 2,62,665 2,88,938 3,13,500 3,35,445
54 89,381 1,11,274 1,33,158 1,51,157 1,61,909 1,70,745 1,87,820 2,03,790 2,18,058 >75 1,31,070 1,55,520 1,92,270 2,22,615 2,88,240 3,41,475 3,75,623 4,07,558 4,36,088
55 94,299 1,16,912 1,39,507 1,57,505 1,68,538 1,77,374 1,95,113 2,11,705 2,26,529 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
56-58 1,01,677 1,25,369 1,49,030 1,67,028 1,78,482 1,87,318 2,06,053 2,23,577 2,39,236 3m-35 12,504 15,972 18,672 23,472 27,072 30,072 33,084 35,898 38,412
2A+1C
36-45 15,756 21,229 24,492 29,692 33,592 36,842 40,528 43,973 47,054
59 1,19,189 1,44,934 1,74,693 1,95,730 2,18,404 2,41,078 2,65,192 2,87,742 3,07,893
46-50 30,240 37,827 45,711 51,111 55,161 58,536 64,395 69,869 74,763
60 1,36,702 1,64,499 2,00,356 2,24,432 2,58,326 2,94,837 3,24,330 3,51,906 3,76,550 51-55 35,460 44,280 53,745 60,495 64,995 69,045 75,953 82,410 88,185
61-63 1,62,971 1,93,847 2,38,850 2,67,484 3,18,208 3,75,477 4,13,039 4,48,153 4,79,536 2A 56-60 42,840 53,505 65,205 71,955 76,455 80,505 88,560 96,090 1,02,818
64 1,74,611 2,07,699 2,55,917 2,82,774 3,36,397 3,96,938 4,36,643 4,73,762 5,06,936 61-65 58,200 70,545 85,905 92,655 97,155 1,01,205 1,11,330 1,20,795 1,29,255
65 1,86,252 2,21,551 2,72,983 2,98,064 3,54,585 4,18,399 4,60,247 4,99,372 5,34,336 66-70 72,750 88,185 1,07,385 1,11,195 1,16,595 1,21,455 1,33,605 1,44,968 1,55,123
71-75 94,575 1,14,645 1,39,605 1,44,555 1,51,575 1,57,905 1,73,700 1,88,468 2,01,668
66-68 2,03,713 2,42,329 2,98,583 3,21,000 3,81,868 4,50,591 4,95,653 5,37,786 5,75,436
>75 1,22,955 1,49,040 1,81,500 1,87,935 1,97,055 2,05,290 2,25,825 2,45,025 2,62,178
69 2,21,179 2,63,104 3,24,183 3,48,517 4,14,602 4,89,215 5,38,139 5,83,886 6,24,762 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
70 2,38,645 2,83,880 3,49,784 3,76,034 4,47,337 5,27,840 5,80,626 6,29,987 6,74,088 3m-35 15,804 19,992 22,932 28,512 32,112 35,112 38,628 41,916 44,856
71-73 2,64,843 3,15,044 3,88,184 4,17,309 4,96,438 5,85,778 6,44,355 6,99,137 7,48,077 36-45 18,642 23,985 27,963 34,463 38,363 41,613 45,780 49,673 53,151
74 2,87,545 3,42,056 4,21,461 4,53,082 5,38,990 6,35,987 6,99,586 7,59,061 8,12,199 46-50 31,779 39,582 47,129 53,879 57,929 61,304 67,439 73,177 78,300
51-55 38,715 48,420 58,125 66,375 71,175 75,225 82,748 89,783 96,068
75 3,10,247 3,69,068 4,54,737 4,88,855 5,81,542 6,86,197 7,54,816 8,18,985 8,76,322
2A+1C 56-60 46,605 57,465 68,310 76,560 81,810 85,860 94,448 1,02,480 1,09,658
>75 3,44,300 4,09,586 5,04,652 5,42,515 6,45,370 7,61,511 8,37,662 9,08,871 9,72,505 61-65 74,700 88,853 1,09,481 1,22,606 1,45,856 1,72,106 1,89,323 2,05,418 2,19,803
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 66-70 93,375 1,11,075 1,36,860 1,47,135 1,75,035 2,06,535 2,27,190 2,46,503 2,63,760
3m-33 44,282 55,292 62,593 76,476 85,452 93,530 1,02,895 1,11,646 1,19,471 71-75 1,21,395 1,44,405 1,77,930 1,91,280 2,27,550 2,68,500 2,95,350 3,20,460 3,42,893
34 45,787 56,956 65,024 79,243 88,219 96,298 1,05,938 1,14,947 1,23,000 >75 1,57,815 1,87,740 2,31,315 2,48,670 2,95,815 3,49,050 3,83,955 4,16,595 4,45,763
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
35 47,292 58,621 67,455 82,011 90,987 99,065 1,08,982 1,18,248 1,26,530
3m-35 17,760 22,176 25,104 30,672 34,272 37,512 41,268 44,778 47,916
36-43 50,633 62,512 72,571 87,998 97,255 1,05,586 1,16,154 1,26,027 1,34,852 36-45 21,333 26,338 30,576 37,076 40,976 44,486 48,939 53,099 56,817
44 59,029 73,022 85,259 1,00,686 1,09,943 1,18,274 1,30,109 1,41,170 1,51,055 46-50 34,277 42,525 50,072 56,822 60,872 64,517 70,970 77,004 82,397
45 67,426 83,531 97,947 1,13,374 1,22,631 1,30,962 1,44,063 1,56,312 1,67,259 51-55 42,255 52,425 62,415 69,915 75,165 79,665 87,638 95,093 1,01,753
2A+2C 56-60 49,995 62,025 74,355 82,605 87,855 92,355 1,01,595 1,10,235 1,17,953
46-48 79,528 98,666 1,16,175 1,31,836 1,41,233 1,49,690 1,64,662 1,78,664 1,91,177
61-65 80,100 96,576 1,16,121 1,29,246 1,52,496 1,78,746 1,96,628 2,13,345 2,28,285
49 82,127 1,01,892 1,20,401 1,36,063 1,45,927 1,54,664 1,70,137 1,84,605 1,97,535
66-70 1,00,125 1,20,720 1,45,155 1,55,100 1,83,000 2,14,500 2,35,950 2,56,013 2,73,938
50 84,726 1,05,117 1,24,628 1,40,289 1,50,621 1,59,639 1,75,611 1,90,547 2,03,893 71-75 1,30,170 1,56,945 1,88,715 2,01,630 2,37,900 2,78,850 3,06,735 3,32,813 3,56,115
51-53 92,186 1,14,374 1,36,169 1,52,531 1,63,985 1,73,802 1,91,196 2,07,460 2,21,990 >75 1,69,230 2,04,030 2,45,340 2,62,125 3,09,270 3,62,505 3,98,760 4,32,660 4,62,953
54 97,011 1,20,358 1,43,611 1,60,441 1,71,895 1,81,713 1,99,896 2,16,899 2,32,088 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
55 1,01,836 1,26,342 1,51,054 1,68,351 1,79,805 1,89,623 2,08,596 2,26,338 2,42,186 3m-35 20,400 25,224 28,356 36,756 42,108 46,932 51,630 56,022 59,946
36-45 24,895 29,874 34,073 43,173 49,023 54,223 59,651 64,727 69,264
2A+2C 56-58 1,09,072 1,35,318 1,62,218 1,80,217 1,91,670 2,01,488 2,21,646 2,40,496 2,57,333
46-50 38,489 46,535 53,298 62,748 68,823 74,223 81,648 88,594 94,797
59 1,27,838 1,56,855 1,88,252 2,09,289 2,31,963 2,55,338 2,80,883 3,04,768 3,26,107 51-55 46,800 57,570 66,000 77,250 84,000 90,750 99,825 1,08,315 1,15,898
60 1,46,603 1,78,391 2,14,286 2,38,362 2,72,256 3,09,189 3,40,120 3,69,040 3,94,881 2A+3C 56-60 54,645 68,145 81,225 97,725 1,05,975 1,14,225 1,25,648 1,36,335 1,45,883
61-63 1,74,752 2,10,697 2,53,337 2,81,972 3,32,695 3,89,964 4,28,976 4,65,448 4,98,042 61-65 84,000 1,00,097 1,21,655 1,40,405 1,63,655 1,89,905 2,08,898 2,26,658 2,42,528
64 1,87,234 2,25,746 2,71,435 2,98,087 3,51,710 4,12,251 4,53,487 4,92,044 5,26,499 66-70 1,05,000 1,25,130 1,52,070 1,68,495 1,96,395 2,27,895 2,50,688 2,72,003 2,91,045
71-75 1,36,500 1,62,675 1,97,700 2,19,045 2,55,315 2,96,265 3,25,898 3,53,603 3,78,360
65 1,99,716 2,40,796 2,89,533 3,14,203 3,70,724 4,34,538 4,77,998 5,18,640 5,54,955
>75 1,77,450 2,11,485 2,57,010 2,84,760 3,31,920 3,85,155 4,23,675 4,59,690 4,91,873
66-68 2,18,439 2,63,371 3,16,680 3,38,377 3,99,245 4,67,968 5,14,764 5,58,534 5,97,640
69 2,37,167 2,85,951 3,43,832 3,67,380 4,33,466 5,08,079 5,58,887 6,06,406 6,48,864
PREMIUM FOR MIDTERM INCLUSION – POLICY TERM 1 YEAR
70 2,55,895 3,08,531 3,70,985 3,96,384 4,67,687 5,48,191 6,03,010 6,54,278 7,00,088
71-73 2,83,988 3,42,402 4,11,713 4,39,889 5,19,019 6,08,358 6,69,194 7,26,086 7,76,924
Risk period 1 mth 3 mths 6 mths 9 mths >9 mnths
74 3,08,335 3,71,751 4,47,009 4,77,598 5,63,506 6,60,503 7,26,556 7,88,324 8,43,520 Refund on existing plan 77.5% 62.5% 42.5% 20.0%
NA
75 3,32,682 4,01,101 4,82,306 5,15,307 6,07,993 7,12,648 7,83,918 8,50,562 9,10,115 % to be charged on proposed plan 77.5% 62.5% 42.5% 20.0%

>75 3,69,203 4,45,125 5,35,250 5,71,869 6,74,724 7,90,865 8,69,961 9,43,920 10,10,008
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000 PREMIUM CHART WITH BUY BACK FOR 2 YEARS (EXCLUDING TAX) (IN RS.)
3m-33 50,864 62,892 70,701 91,645 1,04,989 1,17,017 1,28,731 1,39,682 1,49,465 Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
34 52,874 64,724 73,113 94,057 1,07,439 1,19,448 1,31,405 1,42,585 1,52,574 3m-34 14,893 18,130 20,646 25,954 29,934 32,408 35,656 38,692 41,409
35 15,916 19,660 22,624 27,932 31,913 34,675 38,150 41,399 44,304
35 54,885 66,557 75,526 96,470 1,09,889 1,21,879 1,34,079 1,45,488 1,55,683
36-44 17,922 22,472 26,135 31,683 35,845 39,096 43,014 46,676 49,950
36-43 59,087 70,905 80,871 1,02,469 1,16,354 1,28,696 1,41,578 1,53,627 1,64,395
45 22,868 28,977 33,941 39,490 43,840 47,395 52,143 56,582 60,550
44 67,839 81,648 93,278 1,14,877 1,28,762 1,41,104 1,55,224 1,68,433 1,80,234 46-49 29,934 38,246 45,049 50,718 55,412 59,449 65,402 70,969 75,947
45 76,591 92,391 1,05,686 1,27,284 1,41,169 1,53,511 1,68,871 1,83,238 1,96,073 50 32,733 40,919 47,490 54,622 60,662 65,167 71,689 77,792 83,247
46-48 89,300 1,07,969 1,23,661 1,45,587 1,59,682 1,72,211 1,89,438 2,05,554 2,19,947 51-54 38,841 47,369 54,028 63,714 72,073 77,538 85,294 92,556 99,045
49 91,816 1,11,625 1,27,887 1,50,281 1,64,376 1,77,372 1,95,114 2,11,711 2,26,534 55 41,350 50,506 57,671 68,129 76,942 82,869 91,161 98,920 1,05,853
1A 56-59 45,114 55,210 63,135 74,751 84,245 90,867 99,962 1,08,466 1,16,065
50 94,331 1,15,280 1,32,114 1,54,974 1,69,070 1,82,534 2,00,789 2,17,868 2,33,121
60 51,917 62,679 70,976 84,039 93,759 1,00,411 1,10,461 1,19,858 1,28,253
51-53 1,02,102 1,25,599 1,43,990 1,68,534 1,83,260 1,97,986 2,17,785 2,36,307 2,52,850
61-64 62,122 73,883 82,737 97,972 1,08,032 1,14,726 1,26,210 1,36,946 1,46,535
54 1,06,992 1,32,190 1,53,480 1,81,297 1,96,958 2,12,619 2,33,881 2,53,773 2,71,540
65 71,352 83,731 92,821 1,06,391 1,14,739 1,20,835 1,32,926 1,44,231 1,54,332
55 1,11,882 1,38,782 1,62,971 1,94,059 2,10,656 2,27,252 2,49,977 2,71,239 2,90,231 66-69 85,197 98,502 1,07,947 1,19,021 1,24,799 1,29,998 1,43,001 1,55,160 1,66,028
2A+3C 56-58 1,19,217 1,48,670 1,77,206 2,13,203 2,31,202 2,49,201 2,74,121 2,97,438 3,18,267 70 91,079 1,06,633 1,18,007 1,31,180 1,37,546 1,43,286 1,57,621 1,71,025 1,83,003
59 1,37,515 1,68,586 2,02,407 2,39,807 2,67,156 2,96,374 3,26,013 3,53,739 3,78,509 71-74 99,902 1,18,828 1,33,098 1,49,418 1,56,668 1,63,218 1,79,550 1,94,821 2,08,464
60 1,55,813 1,88,503 2,27,608 2,66,410 3,03,109 3,43,548 3,77,906 4,10,040 4,38,751 75 1,12,278 1,33,240 1,48,977 1,66,668 1,74,752 1,82,059 2,00,274 2,17,306 2,32,522
61-63 1,83,260 2,18,377 2,65,410 3,06,316 3,57,040 4,14,308 4,55,745 4,94,491 5,29,114 >75 1,30,842 1,54,858 1,72,795 1,92,542 2,01,878 2,10,322 2,31,359 2,51,033 2,68,608
Plan type Age band 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 75,00,000 1,00,00,000
64 1,96,350 2,33,981 2,84,369 3,23,826 3,77,448 4,37,989 4,81,794 5,22,756 5,59,357
3m-34 19,489 24,075 28,130 34,456 39,764 44,859 49,349 53,553 57,310
65 2,09,440 2,49,586 3,03,328 3,41,335 3,97,856 4,61,670 5,07,843 5,51,021 5,89,599
35 20,396 25,040 29,500 36,550 41,858 47,532 52,288 56,737 60,717
66-68 2,29,075 2,72,992 3,31,766 3,67,600 4,28,468 4,97,191 5,46,917 5,93,419 6,34,963 36-44 22,461 27,389 32,560 40,839 46,388 53,046 58,351 63,311 67,750
69 2,48,710 2,96,395 3,60,209 3,99,109 4,65,195 5,39,808 5,93,797 6,44,283 6,89,390 45 26,437 32,050 38,389 47,893 53,442 60,100 66,114 71,736 76,763
70 2,68,345 3,19,798 3,88,651 4,30,619 5,01,922 5,82,426 6,40,678 6,95,147 7,43,816 46-49 32,293 38,937 46,965 58,304 63,973 70,776 77,863 84,485 90,404
71-73 2,97,798 3,54,903 4,31,316 4,77,883 5,57,012 6,46,351 7,11,000 7,71,443 8,25,455 50 34,175 42,247 50,709 62,048 68,200 75,003 82,510 89,527 95,798
74 3,23,323 3,85,328 4,68,285 5,18,846 6,04,763 7,01,760 7,71,948 8,37,571 8,96,212 51-54 39,058 49,698 59,323 71,386 78,623 85,861 94,449 1,02,483 1,09,660
55 42,446 55,758 66,764 78,826 86,064 93,301 1,02,633 1,11,361 1,19,161
75 3,48,849 4,15,752 5,05,255 5,59,808 6,52,513 7,57,168 8,32,896 9,03,699 9,66,968
1A +1C 56-59 47,526 64,848 77,924 89,986 97,224 1,04,461 1,14,907 1,24,678 1,33,411
>75 3,87,137 4,61,390 5,60,710 6,21,251 7,24,139 8,40,280 9,24,318 10,02,890 10,73,102
60 58,836 75,251 90,152 1,03,662 1,14,720 1,34,020 1,47,423 1,59,958 1,71,162
61-64 75,801 90,855 1,08,495 1,24,176 1,40,965 1,78,359 1,96,197 2,12,879 2,27,788
PREMIUM FOR MIDTERM INCLUSION – POLICY TERM 3 YEARS 65 83,386 99,945 1,19,349 1,34,114 1,52,245 1,92,630 2,11,897 2,29,916 2,46,017
1 3 6 9 12 15 18 21 24 27 30 33 >33 66-69 94,763 1,13,581 1,35,631 1,49,020 1,69,165 2,14,037 2,35,448 2,55,472 2,73,360
Risk period
mth mths mths mths mths mths mths mths mths mths mths mths mths 70 1,06,140 1,27,216 1,51,910 1,66,911 1,89,468 2,39,725 2,63,703 2,86,125 3,06,161
Refund on existing plan 82.5% 77.5% 70.0% 62.5% 57.5% 50.0% 42.5% 35.0% 27.5% 20.0% 15.0% 7.5% 71-74 1,23,206 1,47,669 1,76,330 1,93,748 2,19,924 2,78,258 3,06,086 3,32,105 3,55,361
% to be charged on NA 75 1,38,000 1,65,396 1,97,492 2,17,004 2,46,316 3,11,656 3,42,823 3,71,969 3,98,014
82.5% 77.5% 70.0% 62.5% 57.5% 50.0% 42.5% 35.0% 27.5% 20.0% 15.0% 7.5%
proposed plan >75 1,60,190 1,91,987 2,29,236 2,51,889 2,85,905 3,61,754 3,97,930 4,31,765 4,61,994
A - Adult | C - Child 4 A - Adult | C - Child 1
 PR CH RT TH Y C R Y R C T R PR CH RT TH Y C R3Y R C T R
Plan type e band Plan type e band
3m-3 23 247 28 300 31 845 40 337 45 920 51 228 56 355 61 153 65 441 3m-33 20 989 25 552 29 097 36 577 42 187 45 673 50 251 54 529 58 359
3 24 279 29 419 33 331 42 788 48 989 54 779 60 263 65 394 69 977 3 21 980 27 034 31 014 38 494 44 104 47 870 52 668 57 152 61 164
3 - 26 678 32 161 36 711 47 808 55 066 61 724 67 906 73 687 78 848
3 22 971 28 516 32 931 40 411 46 021 50 067 55 085 59 775 63 969
33 877 40 691 46 727 57 825 64 822 71 480 78 636 85 330 91 306
3 - 3 24 915 31 241 36 332 44 046 49 831 54 351 59 797 64 888 69 439
- 44 176 52 907 61 048 72 387 79 190 85 993 94 599 1 02 650 1 09 838
45 170 54 132 63 094 74 432 81 236 88 039 96 848 1 05 086 1 12 449 29 707 37 543 43 896 51 610 57 577 62 392 68 642 74 486 79 710
- 49 480 59 348 70 059 82 122 89 359 96 597 1 06 259 1 15 293 1 23 375 34 499 43 844 51 460 59 174 65 324 70 433 77 487 84 084 89 981
52 443 64 047 75 868 89 861 97 581 1 05 783 1 16 367 1 26 261 1 35 110 - 41 346 52 825 62 222 70 053 76 537 82 112 90 334 98 024 1 04 899
C - 56 887 71 096 84 582 1 01 470 1 09 914 1 19 564 1 31 530 1 42 711 1 52 711 44 057 55 415 64 588 73 835 81 623 87 652 96 426 1 04 634 1 11 972
69 827 85 175 96 322 1 12 727 1 39 856 1 62 533 1 78 795 1 93 996 2 07 586
46 769 58 005 66 953 77 617 86 709 93 192 1 02 517 1 11 245 1 19 046
- 89 238 1 06 292 1 13 933 1 29 614 1 84 769 2 26 987 2 49 694 2 70 924 2 89 898
- 3 52 687 64 256 73 288 86 427 97 766 1 05 178 1 15 699 1 25 549 1 34 352
98 165 1 16 928 1 25 333 1 39 992 1 99 554 2 45 151 2 69 674 2 92 602 3 13 092
- 1 11 554 1 32 881 1 42 434 1 55 558 2 21 733 2 72 395 2 99 645 3 25 121 3 47 883 55 118 67 294 76 817 90 704 1 02 483 1 10 344 1 21 384 1 31 716 1 40 949
1 24 948 1 48 832 1 59 534 1 74 231 2 48 348 3 05 090 3 35 605 3 64 136 3 89 628 57 549 70 333 80 347 94 982 1 07 200 1 15 510 1 27 069 1 37 882 1 47 545
- 1 45 040 1 72 759 1 85 184 2 02 240 2 88 270 3 54 131 3 89 546 4 22 658 4 52 247 - 61 196 74 891 85 641 1 01 398 1 14 276 1 23 259 1 35 596 1 47 132 1 57 440
1 62 448 1 93 497 2 07 407 2 26 510 3 22 865 3 96 629 4 36 296 4 73 383 5 06 524 67 788 82 128 93 238 1 10 398 1 23 495 1 32 506 1 45 769 1 58 169 1 69 249
1 88 561 2 24 604 2 40 743 2 62 914 3 74 758 4 60 377 5 06 420 5 49 471 5 87 938
74 379 89 365 1 00 835 1 19 397 1 32 714 1 41 753 1 55 942 1 69 207 1 81 058
Plan type e band
- 3 84 267 1 00 220 1 12 230 1 32 896 1 46 543 1 55 624 1 71 201 1 85 763 1 98 772
3m-3 33 098 40 316 44 477 56 153 63 287 70 717 77 797 84 410 90 323
93 210 1 09 762 1 22 001 1 41 054 1 53 041 1 61 542 1 77 708 1 92 823 2 06 326
3 34 516 41 889 46 484 59 126 66 983 74 606 82 072 89 052 95 288
3 - 37 865 45 766 51 115 65 542 74 664 82 876 91 166 98 923 1 05 848 1 02 153 1 19 304 1 31 772 1 49 212 1 59 539 1 67 461 1 84 216 1 99 882 2 13 881
44 041 53 698 60 977 78 782 88 763 97 264 1 06 992 1 16 095 1 24 226 - 1 15 568 1 33 616 1 46 428 1 61 449 1 69 286 1 76 339 1 93 977 2 10 471 2 25 213
- 53 201 65 402 75 403 98 080 1 09 419 1 18 490 1 30 339 1 41 428 1 51 338 1 21 267 1 41 494 1 56 175 1 73 230 1 81 638 1 89 214 2 08 143 2 25 842 2 41 660
56 521 69 947 81 193 1 04 835 1 16 174 1 25 245 1 37 769 1 49 486 1 59 961
1 26 966 1 49 371 1 65 923 1 85 011 1 93 989 2 02 089 2 22 308 2 41 214 2 58 107
- 64 896 80 939 94 691 1 21 228 1 33 291 1 42 941 1 57 235 1 70 600 1 82 554
- 3 1 35 514 1 61 187 1 80 544 2 02 682 2 12 516 2 21 401 2 43 556 2 64 271 2 82 777
68 148 85 243 1 00 143 1 29 575 1 42 120 1 52 735 1 68 009 1 82 291 1 95 060
- 73 026 91 699 1 08 321 1 42 096 1 55 365 1 67 428 1 84 170 1 99 827 2 13 820 1 47 506 1 75 151 1 95 929 2 19 395 2 30 038 2 39 657 2 63 635 2 86 056 3 06 086
3C
83 728 1 02 368 1 23 539 1 55 867 1 84 648 2 08 773 2 29 651 2 49 173 2 66 620 1 59 497 1 89 115 2 11 315 2 36 109 2 47 560 2 57 913 2 83 714 3 07 842 3 29 396
- 99 781 1 18 372 1 46 366 1 76 523 2 28 572 2 70 791 2 97 871 3 23 191 3 45 820 1 77 484 2 10 062 2 34 393 2 61 178 2 73 843 2 85 297 3 13 833 3 40 520 3 64 360
1 09 759 1 30 216 1 61 005 1 90 650 2 46 864 2 92 460 3 21 707 3 49 053 3 73 491 Plan type e band
- 1 24 726 1 47 983 1 82 964 2 11 842 2 74 301 3 24 964 3 57 460 3 87 846 4 14 998 3m-33 27 467 33 929 39 644 48 560 56 040 63 221 69 549 75 473 80 769
1 39 693 1 65 748 2 04 927 2 37 269 3 07 217 3 63 959 4 00 359 4 34 392 4 64 802
3 28 345 34 864 40 972 50 589 58 069 65 811 72 396 78 559 84 070
- 1 62 144 1 92 397 2 37 873 2 75 411 3 56 592 4 22 453 4 64 708 5 04 213 5 39 507
1 81 608 2 15 489 2 66 417 3 08 462 3 99 389 4 73 154 5 20 475 5 64 723 6 04 254 3 29 224 35 799 42 299 52 618 60 098 68 401 75 243 81 644 87 370
2 10 804 2 50 128 3 09 234 3 58 039 4 63 586 5 49 206 6 04 126 6 55 488 7 01 374 3 - 3 31 225 38 075 45 264 56 773 64 487 73 743 81 118 88 014 94 185
Plan type e band 35 077 42 591 50 912 63 608 71 322 80 578 88 640 96 176 1 02 918
3m-3 22 122 28 257 33 034 41 526 47 895 53 202 58 531 63 510 67 957 38 930 47 107 56 559 70 443 78 157 87 413 96 162 1 04 339 1 11 651
3 23 762 31 171 36 199 44 691 51 060 56 368 62 010 67 283 71 996 - 44 603 53 781 64 869 80 530 88 361 97 758 1 07 546 1 16 692 1 24 867
3 - 26 900 36 244 41 815 50 693 57 352 62 901 69 193 75 075 80 335
46 426 56 988 68 497 84 158 92 456 1 01 853 1 12 048 1 21 577 1 30 094
36 821 47 525 56 310 65 188 71 846 77 395 85 140 92 377 98 848
48 250 60 195 72 124 87 786 96 551 1 05 948 1 16 550 1 26 463 1 35 320
- 50 798 63 542 76 786 85 857 92 660 98 330 1 08 172 1 17 367 1 25 588
51 994 64 990 78 687 88 241 95 044 1 00 906 1 11 004 1 20 441 1 28 879 - 3 52 982 67 414 80 471 96 833 1 06 651 1 16 468 1 28 118 1 39 016 1 48 751
- 57 032 71 217 86 440 97 296 1 04 534 1 11 047 1 22 157 1 32 543 1 41 831 56 264 73 285 87 680 1 04 042 1 13 860 1 23 677 1 36 047 1 47 618 1 57 957
61 779 77 152 93 812 1 04 669 1 11 906 1 18 420 1 30 268 1 41 344 1 51 244 59 545 79 157 94 888 1 11 251 1 21 068 1 30 886 1 43 976 1 56 220 1 67 162
- 68 901 86 054 1 04 871 1 15 728 1 22 965 1 29 479 1 42 434 1 54 545 1 65 365 C - 64 468 87 965 1 05 702 1 22 064 1 31 882 1 41 699 1 55 869 1 69 123 1 80 969
78 783 97 016 1 18 188 1 29 045 1 36 282 1 42 796 1 57 083 1 70 438 1 82 373 75 426 98 044 1 17 550 1 35 315 1 48 834 1 70 339 1 87 374 2 03 306 2 17 546
- 93 605 1 13 460 1 38 164 1 49 020 1 56 258 1 62 771 1 79 056 1 94 279 2 07 885
86 385 1 08 123 1 29 398 1 48 566 1 65 787 1 98 979 2 18 879 2 37 490 2 54 124
1 02 966 1 24 808 1 51 983 1 60 948 1 68 764 1 75 799 1 93 386 2 09 830 2 24 527
- 3 1 02 822 1 23 242 1 47 171 1 68 442 1 91 215 2 41 939 2 66 136 2 88 765 3 08 989
- 1 17 006 1 41 831 1 72 711 1 78 839 1 87 524 1 95 340 2 14 881 2 33 156 2 49 489
1 31 047 1 58 853 1 93 439 2 00 300 2 10 027 2 18 790 2 40 676 2 61 141 2 79 433 1 10 171 1 32 050 1 57 688 1 78 071 2 02 145 2 55 767 2 81 349 3 05 273 3 26 652
- 1 52 108 1 84 387 2 24 531 2 32 493 2 43 783 2 53 964 2 79 368 3 03 119 3 24 349 1 17 520 1 40 858 1 68 205 1 87 699 2 13 074 2 69 595 2 96 561 3 21 780 3 44 314
1 70 366 2 06 515 2 51 484 2 60 400 2 73 042 2 84 448 3 12 901 3 39 504 3 63 277 - 1 28 544 1 54 069 1 83 980 2 02 142 2 29 468 2 90 336 3 19 380 3 46 541 3 70 807
1 97 753 2 39 706 2 91 913 3 02 262 3 16 930 3 30 175 3 63 202 3 94 082 4 21 669 1 39 567 1 67 281 1 99 753 2 19 477 2 49 140 3 15 226 3 46 756 3 76 242 4 02 588
Plan type e band
1 50 591 1 80 492 2 15 527 2 36 812 2 68 813 3 40 116 3 74 133 4 05 942 4 34 368
3m-3 27 960 35 369 40 571 50 442 56 811 62 119 68 339 74 156 79 358
- 3 1 67 127 2 00 310 2 39 187 2 62 814 2 98 321 3 77 450 4 15 198 4 50 492 4 82 039
3 29 089 37 097 42 887 53 096 59 465 64 773 71 258 77 322 82 740
1 81 460 2 17 486 2 59 692 2 85 348 3 23 893 4 09 811 4 50 794 4 89 117 5 23 366
3 - 31 828 40 950 47 741 58 839 65 497 71 046 78 160 84 807 90 744
40 706 51 439 60 672 71 770 78 428 83 977 92 384 1 00 242 1 07 260 1 95 794 2 34 662 2 80 196 3 07 881 3 49 466 4 42 171 4 86 389 5 27 742 5 64 693
- 53 383 66 490 79 167 90 506 97 309 1 02 979 1 13 285 1 22 923 1 31 530 2 17 294 2 60 426 3 10 953 3 41 682 3 87 824 4 90 711 5 39 783 5 85 679 6 26 684
55 573 69 347 82 873 94 694 1 01 690 1 07 553 1 18 313 1 28 376 1 37 363 Plan type e band
- 62 267 77 876 93 484 1 06 753 1 14 473 1 20 987 1 33 086 1 44 400 1 54 509 3m-33 32 762 39 883 44 880 56 848 64 717 72 197 79 423 86 185 92 228
67 343 83 694 1 00 037 1 13 305 1 21 315 1 27 829 1 40 613 1 52 569 1 63 251 3 33 763 40 968 46 320 59 223 67 690 75 638 83 209 90 294 96 623
C - 74 956 92 423 1 09 865 1 23 134 1 31 578 1 38 092 1 51 903 1 64 822 1 76 366
3 34 763 42 053 47 760 61 598 70 664 79 079 86 996 94 403 1 01 017
93 031 1 12 616 1 36 352 1 52 757 1 72 780 1 93 576 2 12 939 2 31 045 2 47 226
3 - 3 37 088 44 709 51 034 66 462 76 551 85 808 94 401 1 02 439 1 09 612
- 1 20 143 1 42 904 1 76 081 1 97 191 2 34 584 2 76 803 3 04 494 3 30 380 3 53 516
1 32 157 1 57 201 1 93 695 2 12 971 2 53 356 2 98 953 3 28 855 3 56 811 3 81 795 44 063 52 974 60 739 76 167 86 004 95 261 1 04 798 1 13 719 1 21 683
- 1 50 178 1 78 646 2 20 117 2 36 642 2 81 515 3 32 177 3 65 397 3 96 458 4 24 214 51 038 61 240 70 445 85 872 95 457 1 04 713 1 15 195 1 25 000 1 33 754
1 68 204 2 00 088 2 46 538 2 65 042 3 15 299 3 72 041 4 09 247 4 44 038 4 75 123 - 61 016 73 075 84 320 99 981 1 09 378 1 18 775 1 30 662 1 41 781 1 51 711
- 1 95 244 2 32 251 2 86 171 3 07 642 3 65 976 4 31 838 4 75 021 5 15 407 5 51 485 61 979 74 263 86 302 1 01 964 1 11 360 1 20 757 1 32 840 1 44 142 1 54 240
2 18 674 2 60 130 3 20 515 3 44 563 4 09 893 4 83 658 5 32 024 5 77 253 6 17 665 62 942 75 450 88 285 1 03 946 1 13 343 1 22 739 1 35 019 1 46 503 1 56 769
2 53 819 3 01 949 3 72 032 3 99 944 4 75 769 5 61 389 6 17 528 6 70 024 7 16 935
- 3 67 119 80 504 95 033 1 11 396 1 21 213 1 31 031 1 44 137 1 56 393 1 67 356
Plan type e band
69 989 85 057 1 00 662 1 18 895 1 29 180 1 39 932 1 53 931 1 67 019 1 78 725
3m-3 31 420 39 233 44 413 54 264 60 633 66 365 73 010 79 220 84 771
3 32 974 40 951 46 922 57 120 63 489 69 221 76 151 82 626 88 414 72 860 89 610 1 06 291 1 26 393 1 37 146 1 48 833 1 63 726 1 77 645 1 90 095
3 - 36 422 44 967 52 203 63 300 69 959 75 951 83 553 90 655 97 003 C - 77 166 96 441 1 14 734 1 37 641 1 49 095 1 62 185 1 78 417 1 93 585 2 07 149
45 088 55 814 65 298 76 395 83 054 89 046 97 956 1 06 284 1 13 727 89 704 1 10 081 1 26 109 1 48 549 1 78 106 2 03 819 2 24 213 2 43 275 2 60 318
- 57 578 71 434 84 111 95 450 1 02 253 1 08 376 1 19 216 1 29 352 1 38 412 1 02 242 1 23 722 1 37 484 1 59 457 2 07 117 2 45 452 2 70 009 2 92 966 3 13 487
60 261 74 763 88 473 99 811 1 07 097 1 13 510 1 24 866 1 35 485 1 44 974
- 3 1 21 050 1 44 183 1 54 547 1 75 818 2 50 634 3 07 903 3 38 704 3 67 502 3 93 240
- 67 960 84 317 1 00 384 1 12 447 1 20 890 1 28 128 1 40 950 1 52 940 1 63 652
1 29 699 1 54 488 1 65 593 1 85 873 2 64 960 3 25 502 3 58 063 3 88 507 4 15 713
72 940 90 493 1 08 066 1 20 611 1 29 054 1 36 292 1 49 930 1 62 682 1 74 074
C - 80 409 99 757 1 19 588 1 32 856 1 41 300 1 48 538 1 63 399 1 77 295 1 89 707 1 38 347 1 64 792 1 76 639 1 95 928 2 79 286 3 43 100 3 77 422 4 09 511 4 38 185
99 776 1 21 985 1 46 457 1 62 862 1 82 886 2 04 116 2 24 536 2 43 629 2 60 688 - 1 51 320 1 80 249 1 93 208 2 11 011 3 00 775 3 69 498 4 06 461 4 41 018 4 71 895
- 1 28 828 1 55 326 1 86 761 2 07 871 2 45 264 2 87 483 3 16 243 3 43 130 3 67 158 1 64 298 1 95 705 2 09 777 2 29 103 3 26 563 4 01 176 4 41 304 4 78 821 5 12 343
1 41 710 1 70 859 2 05 440 2 24 503 2 64 889 3 10 485 3 41 540 3 70 579 3 96 528 1 77 276 2 11 160 2 26 345 2 47 195 3 52 350 4 32 854 4 76 146 5 16 623 5 52 791
- 1 61 034 1 94 158 2 33 458 2 49 453 2 94 325 3 44 988 3 79 486 4 11 753 4 40 583
- 3 1 96 743 2 34 344 2 51 197 2 74 334 3 91 031 4 80 370 5 28 411 5 73 326 6 13 463
1 80 363 2 17 463 2 61 481 2 79 387 3 29 644 3 86 386 4 25 025 4 61 161 4 93 450
2 13 610 2 54 437 2 72 730 2 97 849 4 24 551 5 21 548 5 73 707 6 22 474 6 66 052
- 2 09 357 2 52 420 3 03 517 3 24 288 3 82 623 4 48 484 4 93 332 5 35 273 5 72 752
2 34 485 2 82 711 3 39 945 3 63 207 4 28 537 5 02 302 5 52 535 5 99 509 6 41 484 2 30 478 2 74 530 2 94 263 3 21 364 4 58 071 5 62 725 6 19 003 6 71 622 7 18 641
2 72 178 3 28 148 3 94 589 4 21 584 4 97 409 5 83 029 6 41 339 6 95 862 7 44 582 2 55 779 3 04 670 3 26 563 3 56 637 5 08 350 6 24 491 6 86 947 7 45 345 7 97 525
Plan type e band Plan type e band
3m-3 36 091 44 625 50 166 65 027 74 496 83 031 91 342 99 112 1 06 054 3m-33 46 645 56 818 62 682 79 138 89 192 99 664 1 09 642 1 18 962 1 27 295
3 38 166 46 517 52 656 67 517 77 024 85 540 94 102 1 02 109 1 09 263 3 48 020 58 342 64 627 82 018 92 773 1 03 432 1 13 784 1 23 459 1 32 105
3 - 42 503 51 004 58 173 73 710 83 697 92 575 1 01 842 1 10 509 1 18 255 3 49 394 59 866 66 572 84 898 96 354 1 07 200 1 17 926 1 27 957 1 36 916
51 536 62 092 70 979 86 515 96 503 1 05 381 1 15 926 1 25 790 1 34 602
3 - 3 52 639 63 623 71 059 91 115 1 03 796 1 15 213 1 26 737 1 37 521 1 47 147
- 64 654 78 169 89 531 1 05 405 1 15 610 1 24 681 1 37 154 1 48 821 1 59 241
58 623 71 309 80 615 1 03 943 1 17 457 1 29 153 1 42 071 1 54 159 1 64 955
67 249 81 942 93 893 1 10 249 1 20 454 1 30 008 1 43 011 1 55 176 1 66 040
- 75 270 92 592 1 06 150 1 24 244 1 35 100 1 45 956 1 60 552 1 74 207 1 86 402 64 607 78 994 90 170 1 16 771 1 31 117 1 43 094 1 57 405 1 70 797 1 82 762
80 317 99 395 1 15 945 1 37 416 1 49 237 1 61 059 1 77 164 1 92 233 2 05 692 - 73 483 90 334 1 04 147 1 35 470 1 51 131 1 63 660 1 80 026 1 95 343 2 09 031
3C - 87 887 1 09 600 1 30 637 1 57 174 1 70 443 1 83 712 2 02 083 2 19 272 2 34 628 76 699 94 738 1 09 757 1 42 015 1 57 676 1 70 205 1 87 226 2 03 150 2 17 385
1 06 772 1 30 155 1 56 647 1 84 632 2 07 550 2 32 399 2 55 641 2 77 380 2 96 803 79 915 99 142 1 15 367 1 48 560 1 64 221 1 76 750 1 94 425 2 10 957 2 25 739
- 1 35 100 1 60 989 1 95 661 2 25 817 2 63 211 3 05 430 3 35 977 3 64 541 3 90 065 - 3 88 030 1 09 792 1 28 446 1 64 443 1 80 806 1 93 896 2 13 285 2 31 415 2 47 630
1 48 610 1 77 093 2 15 228 2 43 889 2 84 274 3 29 870 3 62 862 3 93 713 4 21 278
91 181 1 13 962 1 33 728 1 72 531 1 89 361 2 03 386 2 23 724 2 42 742 2 59 748
- 1 68 875 2 01 251 2 44 579 2 70 996 3 15 869 3 66 531 4 03 189 4 37 471 4 68 097
94 332 1 18 133 1 39 011 1 80 619 1 97 916 2 12 876 2 34 164 2 54 070 2 71 865
1 89 140 2 25 405 2 73 935 3 03 517 3 53 774 4 10 516 4 51 574 4 89 967 5 24 270
3C - 99 059 1 24 388 1 46 935 1 92 750 2 10 749 2 27 112 2 49 823 2 71 061 2 90 042
- 2 19 538 2 61 636 3 17 968 3 52 297 4 10 632 4 76 493 5 24 152 5 68 711 6 08 529
2 45 882 2 93 037 3 56 124 3 94 574 4 59 914 5 33 679 5 87 055 6 36 960 6 81 555 1 09 428 1 34 725 1 61 680 2 06 093 2 39 122 2 67 172 2 93 889 3 18 872 3 41 200
2 85 399 3 40 138 4 13 358 4 57 989 5 33 838 6 19 458 6 81 411 7 39 335 7 91 095 1 19 797 1 45 062 1 76 425 2 19 435 2 67 494 3 07 232 3 37 956 3 66 684 3 92 359
- 3 1 35 351 1 60 568 1 98 543 2 39 449 3 10 053 3 67 322 4 04 056 4 38 400 4 69 097
PR R T R C P CY T R Y R 1 45 019 1 72 045 2 12 727 2 53 137 3 27 776 3 88 317 4 27 150 4 63 458 4 95 908
1 54 686 1 83 521 2 26 910 2 66 826 3 45 499 4 09 313 4 50 245 4 88 516 5 22 719
Risk period mth 3 mths mths mths mths mths mths mths mths - 1 69 188 2 00 735 2 48 186 2 87 358 3 72 083 4 40 806 4 84 886 5 26 103 5 62 935
1 83 690 2 17 949 2 69 467 3 11 995 4 03 976 4 78 589 5 26 452 5 71 203 6 11 191
Refund on e istin 82.5% 75.0% 62.5% 52.5% 42.5% 32.5% 20.0% 10.0%
1 98 192 2 35 162 2 90 748 3 36 633 4 35 869 5 16 372 5 68 017 6 16 303 6 59 446
plan - 3 2 19 945 2 60 982 3 22 669 3 73 589 4 83 708 5 73 047 6 30 365 6 83 953 7 31 829
2 38 804 2 83 356 3 50 326 4 05 612 5 25 175 6 22 172 6 84 399 7 42 582 7 94 563
to be char ed on 82.5% 75.0% 62.5% 52.5% 42.5% 32.5% 20.0% 10.0% 2 57 663 3 05 731 3 77 983 4 37 636 5 66 643 6 71 297 7 38 433 8 01 211 8 57 297
proposed plan
2 85 951 3 39 293 4 19 469 4 85 672 6 28 844 7 44 985 8 19 483 8 89 155 9 51 398

- dult C - Child 4 - dult C - Child 13

 PR CH RT TH Y C R Y R C T R PR CH RT TH Y C R3Y R C T R
Plan type e band Plan type e band
3m-3 23 247 28 300 31 845 40 337 45 920 51 228 56 355 61 153 65 441 3m-33 20 989 25 552 29 097 36 577 42 187 45 673 50 251 54 529 58 359
3 24 279 29 419 33 331 42 788 48 989 54 779 60 263 65 394 69 977 3 21 980 27 034 31 014 38 494 44 104 47 870 52 668 57 152 61 164
3 - 26 678 32 161 36 711 47 808 55 066 61 724 67 906 73 687 78 848
3 22 971 28 516 32 931 40 411 46 021 50 067 55 085 59 775 63 969
33 877 40 691 46 727 57 825 64 822 71 480 78 636 85 330 91 306
3 - 3 24 915 31 241 36 332 44 046 49 831 54 351 59 797 64 888 69 439
- 44 176 52 907 61 048 72 387 79 190 85 993 94 599 1 02 650 1 09 838
45 170 54 132 63 094 74 432 81 236 88 039 96 848 1 05 086 1 12 449 29 707 37 543 43 896 51 610 57 577 62 392 68 642 74 486 79 710
- 49 480 59 348 70 059 82 122 89 359 96 597 1 06 259 1 15 293 1 23 375 34 499 43 844 51 460 59 174 65 324 70 433 77 487 84 084 89 981
52 443 64 047 75 868 89 861 97 581 1 05 783 1 16 367 1 26 261 1 35 110 - 41 346 52 825 62 222 70 053 76 537 82 112 90 334 98 024 1 04 899
C - 56 887 71 096 84 582 1 01 470 1 09 914 1 19 564 1 31 530 1 42 711 1 52 711 44 057 55 415 64 588 73 835 81 623 87 652 96 426 1 04 634 1 11 972
69 827 85 175 96 322 1 12 727 1 39 856 1 62 533 1 78 795 1 93 996 2 07 586
46 769 58 005 66 953 77 617 86 709 93 192 1 02 517 1 11 245 1 19 046
- 89 238 1 06 292 1 13 933 1 29 614 1 84 769 2 26 987 2 49 694 2 70 924 2 89 898
- 3 52 687 64 256 73 288 86 427 97 766 1 05 178 1 15 699 1 25 549 1 34 352
98 165 1 16 928 1 25 333 1 39 992 1 99 554 2 45 151 2 69 674 2 92 602 3 13 092
- 1 11 554 1 32 881 1 42 434 1 55 558 2 21 733 2 72 395 2 99 645 3 25 121 3 47 883 55 118 67 294 76 817 90 704 1 02 483 1 10 344 1 21 384 1 31 716 1 40 949
1 24 948 1 48 832 1 59 534 1 74 231 2 48 348 3 05 090 3 35 605 3 64 136 3 89 628 57 549 70 333 80 347 94 982 1 07 200 1 15 510 1 27 069 1 37 882 1 47 545
- 1 45 040 1 72 759 1 85 184 2 02 240 2 88 270 3 54 131 3 89 546 4 22 658 4 52 247 - 61 196 74 891 85 641 1 01 398 1 14 276 1 23 259 1 35 596 1 47 132 1 57 440
1 62 448 1 93 497 2 07 407 2 26 510 3 22 865 3 96 629 4 36 296 4 73 383 5 06 524 67 788 82 128 93 238 1 10 398 1 23 495 1 32 506 1 45 769 1 58 169 1 69 249
1 88 561 2 24 604 2 40 743 2 62 914 3 74 758 4 60 377 5 06 420 5 49 471 5 87 938
74 379 89 365 1 00 835 1 19 397 1 32 714 1 41 753 1 55 942 1 69 207 1 81 058
Plan type e band
- 3 84 267 1 00 220 1 12 230 1 32 896 1 46 543 1 55 624 1 71 201 1 85 763 1 98 772
3m-3 33 098 40 316 44 477 56 153 63 287 70 717 77 797 84 410 90 323
93 210 1 09 762 1 22 001 1 41 054 1 53 041 1 61 542 1 77 708 1 92 823 2 06 326
3 34 516 41 889 46 484 59 126 66 983 74 606 82 072 89 052 95 288
3 - 37 865 45 766 51 115 65 542 74 664 82 876 91 166 98 923 1 05 848 1 02 153 1 19 304 1 31 772 1 49 212 1 59 539 1 67 461 1 84 216 1 99 882 2 13 881
44 041 53 698 60 977 78 782 88 763 97 264 1 06 992 1 16 095 1 24 226 - 1 15 568 1 33 616 1 46 428 1 61 449 1 69 286 1 76 339 1 93 977 2 10 471 2 25 213
- 53 201 65 402 75 403 98 080 1 09 419 1 18 490 1 30 339 1 41 428 1 51 338 1 21 267 1 41 494 1 56 175 1 73 230 1 81 638 1 89 214 2 08 143 2 25 842 2 41 660
56 521 69 947 81 193 1 04 835 1 16 174 1 25 245 1 37 769 1 49 486 1 59 961
1 26 966 1 49 371 1 65 923 1 85 011 1 93 989 2 02 089 2 22 308 2 41 214 2 58 107
- 64 896 80 939 94 691 1 21 228 1 33 291 1 42 941 1 57 235 1 70 600 1 82 554
- 3 1 35 514 1 61 187 1 80 544 2 02 682 2 12 516 2 21 401 2 43 556 2 64 271 2 82 777
68 148 85 243 1 00 143 1 29 575 1 42 120 1 52 735 1 68 009 1 82 291 1 95 060
- 73 026 91 699 1 08 321 1 42 096 1 55 365 1 67 428 1 84 170 1 99 827 2 13 820 1 47 506 1 75 151 1 95 929 2 19 395 2 30 038 2 39 657 2 63 635 2 86 056 3 06 086
3C
83 728 1 02 368 1 23 539 1 55 867 1 84 648 2 08 773 2 29 651 2 49 173 2 66 620 1 59 497 1 89 115 2 11 315 2 36 109 2 47 560 2 57 913 2 83 714 3 07 842 3 29 396
- 99 781 1 18 372 1 46 366 1 76 523 2 28 572 2 70 791 2 97 871 3 23 191 3 45 820 1 77 484 2 10 062 2 34 393 2 61 178 2 73 843 2 85 297 3 13 833 3 40 520 3 64 360
1 09 759 1 30 216 1 61 005 1 90 650 2 46 864 2 92 460 3 21 707 3 49 053 3 73 491 Plan type e band
- 1 24 726 1 47 983 1 82 964 2 11 842 2 74 301 3 24 964 3 57 460 3 87 846 4 14 998 3m-33 27 467 33 929 39 644 48 560 56 040 63 221 69 549 75 473 80 769
1 39 693 1 65 748 2 04 927 2 37 269 3 07 217 3 63 959 4 00 359 4 34 392 4 64 802
3 28 345 34 864 40 972 50 589 58 069 65 811 72 396 78 559 84 070
- 1 62 144 1 92 397 2 37 873 2 75 411 3 56 592 4 22 453 4 64 708 5 04 213 5 39 507
1 81 608 2 15 489 2 66 417 3 08 462 3 99 389 4 73 154 5 20 475 5 64 723 6 04 254 3 29 224 35 799 42 299 52 618 60 098 68 401 75 243 81 644 87 370
2 10 804 2 50 128 3 09 234 3 58 039 4 63 586 5 49 206 6 04 126 6 55 488 7 01 374 3 - 3 31 225 38 075 45 264 56 773 64 487 73 743 81 118 88 014 94 185
Plan type e band 35 077 42 591 50 912 63 608 71 322 80 578 88 640 96 176 1 02 918
3m-3 22 122 28 257 33 034 41 526 47 895 53 202 58 531 63 510 67 957 38 930 47 107 56 559 70 443 78 157 87 413 96 162 1 04 339 1 11 651
3 23 762 31 171 36 199 44 691 51 060 56 368 62 010 67 283 71 996 - 44 603 53 781 64 869 80 530 88 361 97 758 1 07 546 1 16 692 1 24 867
3 - 26 900 36 244 41 815 50 693 57 352 62 901 69 193 75 075 80 335
46 426 56 988 68 497 84 158 92 456 1 01 853 1 12 048 1 21 577 1 30 094
36 821 47 525 56 310 65 188 71 846 77 395 85 140 92 377 98 848
48 250 60 195 72 124 87 786 96 551 1 05 948 1 16 550 1 26 463 1 35 320
- 50 798 63 542 76 786 85 857 92 660 98 330 1 08 172 1 17 367 1 25 588
51 994 64 990 78 687 88 241 95 044 1 00 906 1 11 004 1 20 441 1 28 879 - 3 52 982 67 414 80 471 96 833 1 06 651 1 16 468 1 28 118 1 39 016 1 48 751
- 57 032 71 217 86 440 97 296 1 04 534 1 11 047 1 22 157 1 32 543 1 41 831 56 264 73 285 87 680 1 04 042 1 13 860 1 23 677 1 36 047 1 47 618 1 57 957
61 779 77 152 93 812 1 04 669 1 11 906 1 18 420 1 30 268 1 41 344 1 51 244 59 545 79 157 94 888 1 11 251 1 21 068 1 30 886 1 43 976 1 56 220 1 67 162
- 68 901 86 054 1 04 871 1 15 728 1 22 965 1 29 479 1 42 434 1 54 545 1 65 365 C - 64 468 87 965 1 05 702 1 22 064 1 31 882 1 41 699 1 55 869 1 69 123 1 80 969
78 783 97 016 1 18 188 1 29 045 1 36 282 1 42 796 1 57 083 1 70 438 1 82 373 75 426 98 044 1 17 550 1 35 315 1 48 834 1 70 339 1 87 374 2 03 306 2 17 546
- 93 605 1 13 460 1 38 164 1 49 020 1 56 258 1 62 771 1 79 056 1 94 279 2 07 885
86 385 1 08 123 1 29 398 1 48 566 1 65 787 1 98 979 2 18 879 2 37 490 2 54 124
1 02 966 1 24 808 1 51 983 1 60 948 1 68 764 1 75 799 1 93 386 2 09 830 2 24 527
- 3 1 02 822 1 23 242 1 47 171 1 68 442 1 91 215 2 41 939 2 66 136 2 88 765 3 08 989
- 1 17 006 1 41 831 1 72 711 1 78 839 1 87 524 1 95 340 2 14 881 2 33 156 2 49 489
1 31 047 1 58 853 1 93 439 2 00 300 2 10 027 2 18 790 2 40 676 2 61 141 2 79 433 1 10 171 1 32 050 1 57 688 1 78 071 2 02 145 2 55 767 2 81 349 3 05 273 3 26 652
- 1 52 108 1 84 387 2 24 531 2 32 493 2 43 783 2 53 964 2 79 368 3 03 119 3 24 349 1 17 520 1 40 858 1 68 205 1 87 699 2 13 074 2 69 595 2 96 561 3 21 780 3 44 314
1 70 366 2 06 515 2 51 484 2 60 400 2 73 042 2 84 448 3 12 901 3 39 504 3 63 277 - 1 28 544 1 54 069 1 83 980 2 02 142 2 29 468 2 90 336 3 19 380 3 46 541 3 70 807
1 97 753 2 39 706 2 91 913 3 02 262 3 16 930 3 30 175 3 63 202 3 94 082 4 21 669 1 39 567 1 67 281 1 99 753 2 19 477 2 49 140 3 15 226 3 46 756 3 76 242 4 02 588
Plan type e band
1 50 591 1 80 492 2 15 527 2 36 812 2 68 813 3 40 116 3 74 133 4 05 942 4 34 368
3m-3 27 960 35 369 40 571 50 442 56 811 62 119 68 339 74 156 79 358
- 3 1 67 127 2 00 310 2 39 187 2 62 814 2 98 321 3 77 450 4 15 198 4 50 492 4 82 039
3 29 089 37 097 42 887 53 096 59 465 64 773 71 258 77 322 82 740
1 81 460 2 17 486 2 59 692 2 85 348 3 23 893 4 09 811 4 50 794 4 89 117 5 23 366
3 - 31 828 40 950 47 741 58 839 65 497 71 046 78 160 84 807 90 744
40 706 51 439 60 672 71 770 78 428 83 977 92 384 1 00 242 1 07 260 1 95 794 2 34 662 2 80 196 3 07 881 3 49 466 4 42 171 4 86 389 5 27 742 5 64 693
- 53 383 66 490 79 167 90 506 97 309 1 02 979 1 13 285 1 22 923 1 31 530 2 17 294 2 60 426 3 10 953 3 41 682 3 87 824 4 90 711 5 39 783 5 85 679 6 26 684
55 573 69 347 82 873 94 694 1 01 690 1 07 553 1 18 313 1 28 376 1 37 363 Plan type e band
- 62 267 77 876 93 484 1 06 753 1 14 473 1 20 987 1 33 086 1 44 400 1 54 509 3m-33 32 762 39 883 44 880 56 848 64 717 72 197 79 423 86 185 92 228
67 343 83 694 1 00 037 1 13 305 1 21 315 1 27 829 1 40 613 1 52 569 1 63 251 3 33 763 40 968 46 320 59 223 67 690 75 638 83 209 90 294 96 623
C - 74 956 92 423 1 09 865 1 23 134 1 31 578 1 38 092 1 51 903 1 64 822 1 76 366
3 34 763 42 053 47 760 61 598 70 664 79 079 86 996 94 403 1 01 017
93 031 1 12 616 1 36 352 1 52 757 1 72 780 1 93 576 2 12 939 2 31 045 2 47 226
3 - 3 37 088 44 709 51 034 66 462 76 551 85 808 94 401 1 02 439 1 09 612
- 1 20 143 1 42 904 1 76 081 1 97 191 2 34 584 2 76 803 3 04 494 3 30 380 3 53 516
1 32 157 1 57 201 1 93 695 2 12 971 2 53 356 2 98 953 3 28 855 3 56 811 3 81 795 44 063 52 974 60 739 76 167 86 004 95 261 1 04 798 1 13 719 1 21 683
- 1 50 178 1 78 646 2 20 117 2 36 642 2 81 515 3 32 177 3 65 397 3 96 458 4 24 214 51 038 61 240 70 445 85 872 95 457 1 04 713 1 15 195 1 25 000 1 33 754
1 68 204 2 00 088 2 46 538 2 65 042 3 15 299 3 72 041 4 09 247 4 44 038 4 75 123 - 61 016 73 075 84 320 99 981 1 09 378 1 18 775 1 30 662 1 41 781 1 51 711
- 1 95 244 2 32 251 2 86 171 3 07 642 3 65 976 4 31 838 4 75 021 5 15 407 5 51 485 61 979 74 263 86 302 1 01 964 1 11 360 1 20 757 1 32 840 1 44 142 1 54 240
2 18 674 2 60 130 3 20 515 3 44 563 4 09 893 4 83 658 5 32 024 5 77 253 6 17 665 62 942 75 450 88 285 1 03 946 1 13 343 1 22 739 1 35 019 1 46 503 1 56 769
2 53 819 3 01 949 3 72 032 3 99 944 4 75 769 5 61 389 6 17 528 6 70 024 7 16 935
- 3 67 119 80 504 95 033 1 11 396 1 21 213 1 31 031 1 44 137 1 56 393 1 67 356
Plan type e band
69 989 85 057 1 00 662 1 18 895 1 29 180 1 39 932 1 53 931 1 67 019 1 78 725
3m-3 31 420 39 233 44 413 54 264 60 633 66 365 73 010 79 220 84 771
3 32 974 40 951 46 922 57 120 63 489 69 221 76 151 82 626 88 414 72 860 89 610 1 06 291 1 26 393 1 37 146 1 48 833 1 63 726 1 77 645 1 90 095
3 - 36 422 44 967 52 203 63 300 69 959 75 951 83 553 90 655 97 003 C - 77 166 96 441 1 14 734 1 37 641 1 49 095 1 62 185 1 78 417 1 93 585 2 07 149
45 088 55 814 65 298 76 395 83 054 89 046 97 956 1 06 284 1 13 727 89 704 1 10 081 1 26 109 1 48 549 1 78 106 2 03 819 2 24 213 2 43 275 2 60 318
- 57 578 71 434 84 111 95 450 1 02 253 1 08 376 1 19 216 1 29 352 1 38 412 1 02 242 1 23 722 1 37 484 1 59 457 2 07 117 2 45 452 2 70 009 2 92 966 3 13 487
60 261 74 763 88 473 99 811 1 07 097 1 13 510 1 24 866 1 35 485 1 44 974
- 3 1 21 050 1 44 183 1 54 547 1 75 818 2 50 634 3 07 903 3 38 704 3 67 502 3 93 240
- 67 960 84 317 1 00 384 1 12 447 1 20 890 1 28 128 1 40 950 1 52 940 1 63 652
1 29 699 1 54 488 1 65 593 1 85 873 2 64 960 3 25 502 3 58 063 3 88 507 4 15 713
72 940 90 493 1 08 066 1 20 611 1 29 054 1 36 292 1 49 930 1 62 682 1 74 074
C - 80 409 99 757 1 19 588 1 32 856 1 41 300 1 48 538 1 63 399 1 77 295 1 89 707 1 38 347 1 64 792 1 76 639 1 95 928 2 79 286 3 43 100 3 77 422 4 09 511 4 38 185
99 776 1 21 985 1 46 457 1 62 862 1 82 886 2 04 116 2 24 536 2 43 629 2 60 688 - 1 51 320 1 80 249 1 93 208 2 11 011 3 00 775 3 69 498 4 06 461 4 41 018 4 71 895
- 1 28 828 1 55 326 1 86 761 2 07 871 2 45 264 2 87 483 3 16 243 3 43 130 3 67 158 1 64 298 1 95 705 2 09 777 2 29 103 3 26 563 4 01 176 4 41 304 4 78 821 5 12 343
1 41 710 1 70 859 2 05 440 2 24 503 2 64 889 3 10 485 3 41 540 3 70 579 3 96 528 1 77 276 2 11 160 2 26 345 2 47 195 3 52 350 4 32 854 4 76 146 5 16 623 5 52 791
- 1 61 034 1 94 158 2 33 458 2 49 453 2 94 325 3 44 988 3 79 486 4 11 753 4 40 583
- 3 1 96 743 2 34 344 2 51 197 2 74 334 3 91 031 4 80 370 5 28 411 5 73 326 6 13 463
1 80 363 2 17 463 2 61 481 2 79 387 3 29 644 3 86 386 4 25 025 4 61 161 4 93 450
2 13 610 2 54 437 2 72 730 2 97 849 4 24 551 5 21 548 5 73 707 6 22 474 6 66 052
- 2 09 357 2 52 420 3 03 517 3 24 288 3 82 623 4 48 484 4 93 332 5 35 273 5 72 752
2 34 485 2 82 711 3 39 945 3 63 207 4 28 537 5 02 302 5 52 535 5 99 509 6 41 484 2 30 478 2 74 530 2 94 263 3 21 364 4 58 071 5 62 725 6 19 003 6 71 622 7 18 641
2 72 178 3 28 148 3 94 589 4 21 584 4 97 409 5 83 029 6 41 339 6 95 862 7 44 582 2 55 779 3 04 670 3 26 563 3 56 637 5 08 350 6 24 491 6 86 947 7 45 345 7 97 525
Plan type e band Plan type e band
3m-3 36 091 44 625 50 166 65 027 74 496 83 031 91 342 99 112 1 06 054 3m-33 46 645 56 818 62 682 79 138 89 192 99 664 1 09 642 1 18 962 1 27 295
3 38 166 46 517 52 656 67 517 77 024 85 540 94 102 1 02 109 1 09 263 3 48 020 58 342 64 627 82 018 92 773 1 03 432 1 13 784 1 23 459 1 32 105
3 - 42 503 51 004 58 173 73 710 83 697 92 575 1 01 842 1 10 509 1 18 255 3 49 394 59 866 66 572 84 898 96 354 1 07 200 1 17 926 1 27 957 1 36 916
51 536 62 092 70 979 86 515 96 503 1 05 381 1 15 926 1 25 790 1 34 602
3 - 3 52 639 63 623 71 059 91 115 1 03 796 1 15 213 1 26 737 1 37 521 1 47 147
- 64 654 78 169 89 531 1 05 405 1 15 610 1 24 681 1 37 154 1 48 821 1 59 241
58 623 71 309 80 615 1 03 943 1 17 457 1 29 153 1 42 071 1 54 159 1 64 955
67 249 81 942 93 893 1 10 249 1 20 454 1 30 008 1 43 011 1 55 176 1 66 040
- 75 270 92 592 1 06 150 1 24 244 1 35 100 1 45 956 1 60 552 1 74 207 1 86 402 64 607 78 994 90 170 1 16 771 1 31 117 1 43 094 1 57 405 1 70 797 1 82 762
80 317 99 395 1 15 945 1 37 416 1 49 237 1 61 059 1 77 164 1 92 233 2 05 692 - 73 483 90 334 1 04 147 1 35 470 1 51 131 1 63 660 1 80 026 1 95 343 2 09 031
3C - 87 887 1 09 600 1 30 637 1 57 174 1 70 443 1 83 712 2 02 083 2 19 272 2 34 628 76 699 94 738 1 09 757 1 42 015 1 57 676 1 70 205 1 87 226 2 03 150 2 17 385
1 06 772 1 30 155 1 56 647 1 84 632 2 07 550 2 32 399 2 55 641 2 77 380 2 96 803 79 915 99 142 1 15 367 1 48 560 1 64 221 1 76 750 1 94 425 2 10 957 2 25 739
- 1 35 100 1 60 989 1 95 661 2 25 817 2 63 211 3 05 430 3 35 977 3 64 541 3 90 065 - 3 88 030 1 09 792 1 28 446 1 64 443 1 80 806 1 93 896 2 13 285 2 31 415 2 47 630
1 48 610 1 77 093 2 15 228 2 43 889 2 84 274 3 29 870 3 62 862 3 93 713 4 21 278
91 181 1 13 962 1 33 728 1 72 531 1 89 361 2 03 386 2 23 724 2 42 742 2 59 748
- 1 68 875 2 01 251 2 44 579 2 70 996 3 15 869 3 66 531 4 03 189 4 37 471 4 68 097
94 332 1 18 133 1 39 011 1 80 619 1 97 916 2 12 876 2 34 164 2 54 070 2 71 865
1 89 140 2 25 405 2 73 935 3 03 517 3 53 774 4 10 516 4 51 574 4 89 967 5 24 270
3C - 99 059 1 24 388 1 46 935 1 92 750 2 10 749 2 27 112 2 49 823 2 71 061 2 90 042
- 2 19 538 2 61 636 3 17 968 3 52 297 4 10 632 4 76 493 5 24 152 5 68 711 6 08 529
2 45 882 2 93 037 3 56 124 3 94 574 4 59 914 5 33 679 5 87 055 6 36 960 6 81 555 1 09 428 1 34 725 1 61 680 2 06 093 2 39 122 2 67 172 2 93 889 3 18 872 3 41 200
2 85 399 3 40 138 4 13 358 4 57 989 5 33 838 6 19 458 6 81 411 7 39 335 7 91 095 1 19 797 1 45 062 1 76 425 2 19 435 2 67 494 3 07 232 3 37 956 3 66 684 3 92 359
- 3 1 35 351 1 60 568 1 98 543 2 39 449 3 10 053 3 67 322 4 04 056 4 38 400 4 69 097
PR R T R C P CY T R Y R 1 45 019 1 72 045 2 12 727 2 53 137 3 27 776 3 88 317 4 27 150 4 63 458 4 95 908
1 54 686 1 83 521 2 26 910 2 66 826 3 45 499 4 09 313 4 50 245 4 88 516 5 22 719
Risk period mth 3 mths mths mths mths mths mths mths mths - 1 69 188 2 00 735 2 48 186 2 87 358 3 72 083 4 40 806 4 84 886 5 26 103 5 62 935
1 83 690 2 17 949 2 69 467 3 11 995 4 03 976 4 78 589 5 26 452 5 71 203 6 11 191
Refund on e istin 82.5% 75.0% 62.5% 52.5% 42.5% 32.5% 20.0% 10.0%
1 98 192 2 35 162 2 90 748 3 36 633 4 35 869 5 16 372 5 68 017 6 16 303 6 59 446
plan - 3 2 19 945 2 60 982 3 22 669 3 73 589 4 83 708 5 73 047 6 30 365 6 83 953 7 31 829
2 38 804 2 83 356 3 50 326 4 05 612 5 25 175 6 22 172 6 84 399 7 42 582 7 94 563
to be char ed on 82.5% 75.0% 62.5% 52.5% 42.5% 32.5% 20.0% 10.0% 2 57 663 3 05 731 3 77 983 4 37 636 5 66 643 6 71 297 7 38 433 8 01 211 8 57 297
proposed plan
2 85 951 3 39 293 4 19 469 4 85 672 6 28 844 7 44 985 8 19 483 8 89 155 9 51 398

- dult C - Child 4 - dult C - Child 13

 PR CH RT TH Y C R3Y R C T R PR CH RT TH Y C T RC PR H R C P CY
Plan type e band o H H P - R C P
3m-33 31 177 39 824 46 556 58 524 67 500 74 980 82 489 89 506 95 774 PR CH RT TH Y C R Y R C T R
3 32 766 42 647 49 622 61 590 70 566 78 046 85 860 93 162 99 687
Plan type e band
3 34 356 45 471 52 689 64 657 73 633 81 113 89 231 96 817 1 03 600 3m-3 8 418 10 248 11 670 14 670 16 920 18 318 20 154 21 870 23 406
3 - 3 37 396 50 386 58 131 70 473 79 729 87 443 96 190 1 04 367 1 11 680 3 - 10 498 13 163 15 308 18 558 20 995 22 900 25 194 27 339 29 257
47 008 61 316 72 175 84 517 93 773 1 01 487 1 11 641 1 21 132 1 29 618 - 17 820 22 768 26 818 30 193 32 987 35 390 38 934 42 248 45 212
56 620 72 247 86 218 98 560 1 07 817 1 15 530 1 27 092 1 37 896 1 47 556 - 24 150 29 453 33 593 39 615 44 813 48 210 53 033 57 548 61 583
- 70 162 87 766 1 06 058 1 18 587 1 27 984 1 35 814 1 49 408 1 62 110 1 73 464 - 28 050 34 328 39 255 46 478 52 380 56 498 62 153 67 440 72 165
71 322 89 168 1 07 900 1 20 896 1 30 293 1 38 311 1 52 153 1 65 088 1 76 652 - 38 625 45 938 51 443 60 915 67 170 71 333 78 473 85 148 91 110
72 481 90 571 1 09 742 1 23 206 1 32 603 1 40 807 1 54 897 1 68 066 1 79 841 - 52 973 61 245 67 118 74 003 77 595 80 828 88 913 96 473 1 03 230
- 3 77 362 96 604 1 17 254 1 31 980 1 41 797 1 50 633 1 65 703 1 79 791 1 92 390 - 62 115 73 883 82 755 92 903 97 410 1 01 483 1 11 638 1 21 133 1 29 615
81 353 96 285 1 07 438 1 19 715 1 25 520 1 30 770 1 43 850 1 56 083 1 67 010
81 962 1 02 354 1 24 397 1 39 123 1 48 941 1 57 777 1 73 562 1 88 318 2 01 511
Plan type e band
86 562 1 08 105 1 31 540 1 46 267 1 56 084 1 64 920 1 81 420 1 96 846 2 10 632
3m-3 11 016 13 608 15 900 19 476 22 476 25 356 27 894 30 270 32 394
- 93 463 1 16 730 1 42 256 1 56 982 1 66 799 1 75 635 1 93 208 2 09 636 2 24 314
3 - 13 156 16 042 19 071 23 920 27 170 31 070 34 177 37 083 39 683
1 03 037 1 27 352 1 55 159 1 69 885 1 79 702 1 88 538 2 07 402 2 25 036 2 40 793 - 19 224 23 180 27 959 34 709 38 084 42 134 46 352 50 294 53 818
1 12 611 1 37 973 1 68 062 1 82 788 1 92 605 2 01 441 2 21 595 2 40 435 2 57 272 - 24 285 30 900 36 885 44 385 48 885 53 385 58 725 63 720 68 183
- 3 1 26 973 1 53 906 1 87 416 2 02 142 2 11 960 2 20 796 2 42 885 2 63 534 2 81 991 C - 29 550 40 320 48 450 55 950 60 450 64 950 71 445 77 520 82 950
1 36 043 1 64 901 2 00 805 2 13 699 2 24 077 2 33 418 2 56 770 2 78 602 2 98 115 - 47 130 56 490 67 458 77 208 87 647 1 10 897 1 21 988 1 32 360 1 41 630
1 45 112 1 75 897 2 14 194 2 25 256 2 36 195 2 46 041 2 70 654 2 93 669 3 14 239 - 58 920 70 620 84 330 92 655 1 05 180 1 33 080 1 46 393 1 58 843 1 69 965
- 1 58 716 1 92 390 2 34 278 2 42 590 2 54 371 2 64 974 2 91 482 3 16 271 3 38 426 - 76 605 91 815 1 09 635 1 20 465 1 36 740 1 73 010 1 90 313 2 06 490 2 20 950
1 72 321 2 08 884 2 54 362 2 63 385 2 76 176 2 87 695 3 16 474 3 43 386 3 67 439 99 600 1 19 370 1 42 530 1 56 615 1 77 765 2 24 925 2 47 418 2 68 455 2 87 250
1 85 925 2 25 377 2 74 446 2 84 179 2 97 980 3 10 415 3 41 467 3 70 501 3 96 452 Plan type e band
3m-3 13 140 15 996 18 000 22 800 25 956 28 956 31 854 34 566 36 990
- 3 2 06 331 2 50 117 3 04 572 3 15 371 3 30 686 3 44 496 3 78 956 4 11 173 4 39 971
3 - 15 626 18 837 21 502 28 002 32 253 36 153 39 774 43 160 46 183
2 24 021 2 71 557 3 30 686 3 42 411 3 59 035 3 74 033 4 11 447 4 46 427 4 77 689
- 26 298 31 496 36 342 43 092 47 142 51 192 56 315 61 108 65 387
2 41 712 2 92 996 3 56 801 3 69 451 3 87 385 4 03 569 4 43 938 4 81 682 5 15 407
- 30 765 36 900 43 560 51 060 55 560 60 060 66 068 71 685 76 710
2 68 247 3 25 156 3 95 973 4 10 012 4 29 908 4 47 874 4 92 675 5 34 563 5 71 984 C - 35 370 44 205 52 590 63 090 68 340 74 340 81 780 88 733 94 950
Plan type e band - 55 485 66 089 70 839 80 589 1 14 882 1 41 132 1 55 250 1 68 450 1 80 248
3m-33 39 405 49 847 57 177 71 090 80 066 87 546 96 312 1 04 511 1 11 841 - 69 360 82 620 88 560 96 720 1 37 865 1 69 365 1 86 308 2 02 148 2 16 300
3 40 499 51 520 59 421 73 661 82 637 90 117 99 141 1 07 577 1 15 118 - 90 180 1 07 415 1 15 140 1 25 745 1 79 235 2 20 185 2 42 205 2 62 793 2 81 190
3 41 593 53 194 61 665 76 232 85 208 92 688 1 01 969 1 10 644 1 18 395 1 17 240 1 39 650 1 49 685 1 63 470 2 33 010 2 86 245 3 14 873 3 41 640 3 65 558
3 - 3 44 246 56 927 66 369 81 797 91 053 98 767 1 08 656 1 17 897 1 26 151 Plan type e band
3m-3 18 708 22 788 25 140 31 740 35 772 39 972 43 974 47 712 51 054
52 848 67 091 78 898 94 326 1 03 582 1 11 296 1 22 438 1 32 852 1 42 153
3 - 22 178 26 806 29 939 38 389 43 732 48 542 53 398 57 941 61 997
61 450 77 254 91 427 1 06 855 1 16 111 1 23 825 1 36 220 1 47 808 1 58 156 - 31 671 38 934 44 888 58 388 65 138 70 538 77 591 84 193 90 092
- 73 733 91 838 1 09 347 1 25 008 1 34 405 1 42 235 1 56 472 1 69 784 1 81 671 - 40 350 50 325 58 875 75 375 82 875 88 875 97 763 1 06 073 1 13 505
75 856 94 605 1 12 937 1 29 066 1 38 650 1 46 667 1 61 343 1 75 066 1 87 323 3C - 45 405 57 015 67 350 88 350 96 600 1 04 100 1 14 510 1 24 245 1 32 945
- 62 040 73 599 91 005 1 09 755 1 42 118 1 68 368 1 85 205 2 00 948 2 15 018
77 978 97 373 1 16 528 1 33 124 1 42 895 1 51 099 1 66 214 1 80 349 1 92 975
- 77 550 92 010 1 13 760 1 31 715 1 70 550 2 02 050 2 22 255 2 41 148 2 58 030
- 3 84 463 1 05 636 1 26 809 1 44 808 1 55 280 1 64 116 1 80 527 1 95 875 2 09 587
- 1 00 815 1 19 625 1 47 900 1 71 240 2 21 715 2 62 665 2 88 938 3 13 500 3 35 445
89 381 1 11 274 1 33 158 1 51 157 1 61 909 1 70 745 1 87 820 2 03 790 2 18 058 1 31 070 1 55 520 1 92 270 2 22 615 2 88 240 3 41 475 3 75 623 4 07 558 4 36 088
94 299 1 16 912 1 39 507 1 57 505 1 68 538 1 77 374 1 95 113 2 11 705 2 26 529 Plan type e band
- 1 01 677 1 25 369 1 49 030 1 67 028 1 78 482 1 87 318 2 06 053 2 23 577 2 39 236 3m-3 12 504 15 972 18 672 23 472 27 072 30 072 33 084 35 898 38 412
C
3 - 15 756 21 229 24 492 29 692 33 592 36 842 40 528 43 973 47 054
1 19 189 1 44 934 1 74 693 1 95 730 2 18 404 2 41 078 2 65 192 2 87 742 3 07 893
- 30 240 37 827 45 711 51 111 55 161 58 536 64 395 69 869 74 763
1 36 702 1 64 499 2 00 356 2 24 432 2 58 326 2 94 837 3 24 330 3 51 906 3 76 550 - 35 460 44 280 53 745 60 495 64 995 69 045 75 953 82 410 88 185
- 3 1 62 971 1 93 847 2 38 850 2 67 484 3 18 208 3 75 477 4 13 039 4 48 153 4 79 536 - 42 840 53 505 65 205 71 955 76 455 80 505 88 560 96 090 1 02 818
1 74 611 2 07 699 2 55 917 2 82 774 3 36 397 3 96 938 4 36 643 4 73 762 5 06 936 - 58 200 70 545 85 905 92 655 97 155 1 01 205 1 11 330 1 20 795 1 29 255
1 86 252 2 21 551 2 72 983 2 98 064 3 54 585 4 18 399 4 60 247 4 99 372 5 34 336 - 72 750 88 185 1 07 385 1 11 195 1 16 595 1 21 455 1 33 605 1 44 968 1 55 123
- 94 575 1 14 645 1 39 605 1 44 555 1 51 575 1 57 905 1 73 700 1 88 468 2 01 668
- 2 03 713 2 42 329 2 98 583 3 21 000 3 81 868 4 50 591 4 95 653 5 37 786 5 75 436
1 22 955 1 49 040 1 81 500 1 87 935 1 97 055 2 05 290 2 25 825 2 45 025 2 62 178
2 21 179 2 63 104 3 24 183 3 48 517 4 14 602 4 89 215 5 38 139 5 83 886 6 24 762 Plan type e band
2 38 645 2 83 880 3 49 784 3 76 034 4 47 337 5 27 840 5 80 626 6 29 987 6 74 088 3m-3 15 804 19 992 22 932 28 512 32 112 35 112 38 628 41 916 44 856
- 3 2 64 843 3 15 044 3 88 184 4 17 309 4 96 438 5 85 778 6 44 355 6 99 137 7 48 077 3 - 18 642 23 985 27 963 34 463 38 363 41 613 45 780 49 673 53 151
2 87 545 3 42 056 4 21 461 4 53 082 5 38 990 6 35 987 6 99 586 7 59 061 8 12 199 - 31 779 39 582 47 129 53 879 57 929 61 304 67 439 73 177 78 300
- 38 715 48 420 58 125 66 375 71 175 75 225 82 748 89 783 96 068
3 10 247 3 69 068 4 54 737 4 88 855 5 81 542 6 86 197 7 54 816 8 18 985 8 76 322
C - 46 605 57 465 68 310 76 560 81 810 85 860 94 448 1 02 480 1 09 658
3 44 300 4 09 586 5 04 652 5 42 515 6 45 370 7 61 511 8 37 662 9 08 871 9 72 505 - 74 700 88 853 1 09 481 1 22 606 1 45 856 1 72 106 1 89 323 2 05 418 2 19 803
Plan type e band - 93 375 1 11 075 1 36 860 1 47 135 1 75 035 2 06 535 2 27 190 2 46 503 2 63 760
3m-33 44 282 55 292 62 593 76 476 85 452 93 530 1 02 895 1 11 646 1 19 471 - 1 21 395 1 44 405 1 77 930 1 91 280 2 27 550 2 68 500 2 95 350 3 20 460 3 42 893
3 45 787 56 956 65 024 79 243 88 219 96 298 1 05 938 1 14 947 1 23 000 1 57 815 1 87 740 2 31 315 2 48 670 2 95 815 3 49 050 3 83 955 4 16 595 4 45 763
Plan type e band
3 47 292 58 621 67 455 82 011 90 987 99 065 1 08 982 1 18 248 1 26 530
3m-3 17 760 22 176 25 104 30 672 34 272 37 512 41 268 44 778 47 916
3 - 3 50 633 62 512 72 571 87 998 97 255 1 05 586 1 16 154 1 26 027 1 34 852 3 - 21 333 26 338 30 576 37 076 40 976 44 486 48 939 53 099 56 817
59 029 73 022 85 259 1 00 686 1 09 943 1 18 274 1 30 109 1 41 170 1 51 055 - 34 277 42 525 50 072 56 822 60 872 64 517 70 970 77 004 82 397
67 426 83 531 97 947 1 13 374 1 22 631 1 30 962 1 44 063 1 56 312 1 67 259 - 42 255 52 425 62 415 69 915 75 165 79 665 87 638 95 093 1 01 753
C - 49 995 62 025 74 355 82 605 87 855 92 355 1 01 595 1 10 235 1 17 953
- 79 528 98 666 1 16 175 1 31 836 1 41 233 1 49 690 1 64 662 1 78 664 1 91 177
- 80 100 96 576 1 16 121 1 29 246 1 52 496 1 78 746 1 96 628 2 13 345 2 28 285
82 127 1 01 892 1 20 401 1 36 063 1 45 927 1 54 664 1 70 137 1 84 605 1 97 535
- 1 00 125 1 20 720 1 45 155 1 55 100 1 83 000 2 14 500 2 35 950 2 56 013 2 73 938
84 726 1 05 117 1 24 628 1 40 289 1 50 621 1 59 639 1 75 611 1 90 547 2 03 893 - 1 30 170 1 56 945 1 88 715 2 01 630 2 37 900 2 78 850 3 06 735 3 32 813 3 56 115
- 3 92 186 1 14 374 1 36 169 1 52 531 1 63 985 1 73 802 1 91 196 2 07 460 2 21 990 1 69 230 2 04 030 2 45 340 2 62 125 3 09 270 3 62 505 3 98 760 4 32 660 4 62 953
97 011 1 20 358 1 43 611 1 60 441 1 71 895 1 81 713 1 99 896 2 16 899 2 32 088 Plan type e band
1 01 836 1 26 342 1 51 054 1 68 351 1 79 805 1 89 623 2 08 596 2 26 338 2 42 186 3m-3 20 400 25 224 28 356 36 756 42 108 46 932 51 630 56 022 59 946
3 - 24 895 29 874 34 073 43 173 49 023 54 223 59 651 64 727 69 264
C - 1 09 072 1 35 318 1 62 218 1 80 217 1 91 670 2 01 488 2 21 646 2 40 496 2 57 333
- 38 489 46 535 53 298 62 748 68 823 74 223 81 648 88 594 94 797
1 27 838 1 56 855 1 88 252 2 09 289 2 31 963 2 55 338 2 80 883 3 04 768 3 26 107 - 46 800 57 570 66 000 77 250 84 000 90 750 99 825 1 08 315 1 15 898
1 46 603 1 78 391 2 14 286 2 38 362 2 72 256 3 09 189 3 40 120 3 69 040 3 94 881 3C - 54 645 68 145 81 225 97 725 1 05 975 1 14 225 1 25 648 1 36 335 1 45 883
- 3 1 74 752 2 10 697 2 53 337 2 81 972 3 32 695 3 89 964 4 28 976 4 65 448 4 98 042 - 84 000 1 00 097 1 21 655 1 40 405 1 63 655 1 89 905 2 08 898 2 26 658 2 42 528
1 87 234 2 25 746 2 71 435 2 98 087 3 51 710 4 12 251 4 53 487 4 92 044 5 26 499 - 1 05 000 1 25 130 1 52 070 1 68 495 1 96 395 2 27 895 2 50 688 2 72 003 2 91 045
- 1 36 500 1 62 675 1 97 700 2 19 045 2 55 315 2 96 265 3 25 898 3 53 603 3 78 360
1 99 716 2 40 796 2 89 533 3 14 203 3 70 724 4 34 538 4 77 998 5 18 640 5 54 955
1 77 450 2 11 485 2 57 010 2 84 760 3 31 920 3 85 155 4 23 675 4 59 690 4 91 873
- 2 18 439 2 63 371 3 16 680 3 38 377 3 99 245 4 67 968 5 14 764 5 58 534 5 97 640
2 37 167 2 85 951 3 43 832 3 67 380 4 33 466 5 08 079 5 58 887 6 06 406 6 48 864
PR R T R C P CY T R Y R
2 55 895 3 08 531 3 70 985 3 96 384 4 67 687 5 48 191 6 03 010 6 54 278 7 00 088
- 3 2 83 988 3 42 402 4 11 713 4 39 889 5 19 019 6 08 358 6 69 194 7 26 086 7 76 924
Risk period mth 3 mths mths mths mnths
3 08 335 3 71 751 4 47 009 4 77 598 5 63 506 6 60 503 7 26 556 7 88 324 8 43 520 Refund on e istin plan 77.5% 62.5% 42.5% 20.0%

3 32 682 4 01 101 4 82 306 5 15 307 6 07 993 7 12 648 7 83 918 8 50 562 9 10 115 to be char ed on proposed plan 77.5% 62.5% 42.5% 20.0%

3 69 203 4 45 125 5 35 250 5 71 869 6 74 724 7 90 865 8 69 961 9 43 920 10 10 008

Plan type e band PR CH RT TH Y C R Y R C T R
3m-33 50 864 62 892 70 701 91 645 1 04 989 1 17 017 1 28 731 1 39 682 1 49 465 Plan type e band
3 52 874 64 724 73 113 94 057 1 07 439 1 19 448 1 31 405 1 42 585 1 52 574 3m-3 14 893 18 130 20 646 25 954 29 934 32 408 35 656 38 692 41 409
3 15 916 19 660 22 624 27 932 31 913 34 675 38 150 41 399 44 304
3 54 885 66 557 75 526 96 470 1 09 889 1 21 879 1 34 079 1 45 488 1 55 683
3 - 17 922 22 472 26 135 31 683 35 845 39 096 43 014 46 676 49 950
3 - 3 59 087 70 905 80 871 1 02 469 1 16 354 1 28 696 1 41 578 1 53 627 1 64 395
22 868 28 977 33 941 39 490 43 840 47 395 52 143 56 582 60 550
67 839 81 648 93 278 1 14 877 1 28 762 1 41 104 1 55 224 1 68 433 1 80 234 - 29 934 38 246 45 049 50 718 55 412 59 449 65 402 70 969 75 947
76 591 92 391 1 05 686 1 27 284 1 41 169 1 53 511 1 68 871 1 83 238 1 96 073 32 733 40 919 47 490 54 622 60 662 65 167 71 689 77 792 83 247
- 89 300 1 07 969 1 23 661 1 45 587 1 59 682 1 72 211 1 89 438 2 05 554 2 19 947 - 38 841 47 369 54 028 63 714 72 073 77 538 85 294 92 556 99 045
91 816 1 11 625 1 27 887 1 50 281 1 64 376 1 77 372 1 95 114 2 11 711 2 26 534 41 350 50 506 57 671 68 129 76 942 82 869 91 161 98 920 1 05 853
- 45 114 55 210 63 135 74 751 84 245 90 867 99 962 1 08 466 1 16 065
94 331 1 15 280 1 32 114 1 54 974 1 69 070 1 82 534 2 00 789 2 17 868 2 33 121
51 917 62 679 70 976 84 039 93 759 1 00 411 1 10 461 1 19 858 1 28 253
- 3 1 02 102 1 25 599 1 43 990 1 68 534 1 83 260 1 97 986 2 17 785 2 36 307 2 52 850
- 62 122 73 883 82 737 97 972 1 08 032 1 14 726 1 26 210 1 36 946 1 46 535
1 06 992 1 32 190 1 53 480 1 81 297 1 96 958 2 12 619 2 33 881 2 53 773 2 71 540
71 352 83 731 92 821 1 06 391 1 14 739 1 20 835 1 32 926 1 44 231 1 54 332
1 11 882 1 38 782 1 62 971 1 94 059 2 10 656 2 27 252 2 49 977 2 71 239 2 90 231 - 85 197 98 502 1 07 947 1 19 021 1 24 799 1 29 998 1 43 001 1 55 160 1 66 028
3C - 1 19 217 1 48 670 1 77 206 2 13 203 2 31 202 2 49 201 2 74 121 2 97 438 3 18 267 91 079 1 06 633 1 18 007 1 31 180 1 37 546 1 43 286 1 57 621 1 71 025 1 83 003
1 37 515 1 68 586 2 02 407 2 39 807 2 67 156 2 96 374 3 26 013 3 53 739 3 78 509 - 99 902 1 18 828 1 33 098 1 49 418 1 56 668 1 63 218 1 79 550 1 94 821 2 08 464
1 55 813 1 88 503 2 27 608 2 66 410 3 03 109 3 43 548 3 77 906 4 10 040 4 38 751 1 12 278 1 33 240 1 48 977 1 66 668 1 74 752 1 82 059 2 00 274 2 17 306 2 32 522
- 3 1 83 260 2 18 377 2 65 410 3 06 316 3 57 040 4 14 308 4 55 745 4 94 491 5 29 114 1 30 842 1 54 858 1 72 795 1 92 542 2 01 878 2 10 322 2 31 359 2 51 033 2 68 608
Plan type e band
1 96 350 2 33 981 2 84 369 3 23 826 3 77 448 4 37 989 4 81 794 5 22 756 5 59 357
3m-3 19 489 24 075 28 130 34 456 39 764 44 859 49 349 53 553 57 310
2 09 440 2 49 586 3 03 328 3 41 335 3 97 856 4 61 670 5 07 843 5 51 021 5 89 599
3 20 396 25 040 29 500 36 550 41 858 47 532 52 288 56 737 60 717
- 2 29 075 2 72 992 3 31 766 3 67 600 4 28 468 4 97 191 5 46 917 5 93 419 6 34 963 3 - 22 461 27 389 32 560 40 839 46 388 53 046 58 351 63 311 67 750
2 48 710 2 96 395 3 60 209 3 99 109 4 65 195 5 39 808 5 93 797 6 44 283 6 89 390 26 437 32 050 38 389 47 893 53 442 60 100 66 114 71 736 76 763
2 68 345 3 19 798 3 88 651 4 30 619 5 01 922 5 82 426 6 40 678 6 95 147 7 43 816 - 32 293 38 937 46 965 58 304 63 973 70 776 77 863 84 485 90 404
- 3 2 97 798 3 54 903 4 31 316 4 77 883 5 57 012 6 46 351 7 11 000 7 71 443 8 25 455 34 175 42 247 50 709 62 048 68 200 75 003 82 510 89 527 95 798
3 23 323 3 85 328 4 68 285 5 18 846 6 04 763 7 01 760 7 71 948 8 37 571 8 96 212 - 39 058 49 698 59 323 71 386 78 623 85 861 94 449 1 02 483 1 09 660
42 446 55 758 66 764 78 826 86 064 93 301 1 02 633 1 11 361 1 19 161
3 48 849 4 15 752 5 05 255 5 59 808 6 52 513 7 57 168 8 32 896 9 03 699 9 66 968
C - 47 526 64 848 77 924 89 986 97 224 1 04 461 1 14 907 1 24 678 1 33 411
3 87 137 4 61 390 5 60 710 6 21 251 7 24 139 8 40 280 9 24 318 10 02 890 10 73 102
58 836 75 251 90 152 1 03 662 1 14 720 1 34 020 1 47 423 1 59 958 1 71 162
- 75 801 90 855 1 08 495 1 24 176 1 40 965 1 78 359 1 96 197 2 12 879 2 27 788
PR R T R C P CY T R 3 Y R 83 386 99 945 1 19 349 1 34 114 1 52 245 1 92 630 2 11 897 2 29 916 2 46 017
3 3 33 33 - 94 763 1 13 581 1 35 631 1 49 020 1 69 165 2 14 037 2 35 448 2 55 472 2 73 360
Risk period
mth mths mths mths mths mths mths mths mths mths mths mths mths 1 06 140 1 27 216 1 51 910 1 66 911 1 89 468 2 39 725 2 63 703 2 86 125 3 06 161
Refund on e istin plan 82.5% 77.5% 70.0% 62.5% 57.5% 50.0% 42.5% 35.0% 27.5% 20.0% 15.0% 7.5% - 1 23 206 1 47 669 1 76 330 1 93 748 2 19 924 2 78 258 3 06 086 3 32 105 3 55 361
to be char ed on 1 38 000 1 65 396 1 97 492 2 17 004 2 46 316 3 11 656 3 42 823 3 71 969 3 98 014
82.5% 77.5% 70.0% 62.5% 57.5% 50.0% 42.5% 35.0% 27.5% 20.0% 15.0% 7.5%
proposed plan 1 60 190 1 91 987 2 29 236 2 51 889 2 85 905 3 61 754 3 97 930 4 31 765 4 61 994
- dult C - Child 4 - dult C - Child 1