|
Minimum / Maximum Age of Entry
|
1 year - 60 years (age nearest birthday)
|
Minimum / Maximum Policy Term
|
10 years - 20 years
|
Maximum Cover Ceasing Age
|
80 years
|
Premium Payment Frequency
|
Yearly, half-yearly & monthly
|
Maturity / Death Benefit
|
No maturity / death benefit is payable
|
The premiums are valid for one year from the date of commencement of the policy. Thereafter, the company reserves the right to change the premium. Any change in the above premiums will take place subject to approval from IRDA and after giving notice to the policyholder. These premiums are exclusive of any service tax and education cess.
Premium rates for Male and Female lives for term 10 - 20 years excluding service tax and Education cess.
Age Band
|
Plan A |
Plan B |
Plan C |
Plan D |
1-5
|
2,876 |
4,685 |
6,494 |
8,304 |
6-10
|
2,631 |
4,174 |
5,717 |
7,263 |
11-15
|
3,415 |
5,742 |
8,068 |
10,394 |
16-20
|
3,905 |
6,720 |
9,535 |
12,351 |
21-25
|
4,062 |
7,034 |
10,005 |
12,977 |
26-30
|
4,330 |
7,570 |
10,810 |
14,050 |
31-35
|
4,861 |
8,631 |
12,402 |
16,172 |
36-40
|
5,542 |
9,991 |
14,439 |
18,888 |
41-45
|
6,532 |
11,967 |
17,402 |
22,837 |
46-50
|
7,883 |
14,662 |
21,440 |
28,218 |
A summary of the benefits payable on the insured events is given in the table below
Event
|
How and when benefits are payable
|
Size of such benefits/ policy monies
|
1.Hospitalisation for more than 24 hrs.
|
1.Hospitalisation for more than 24 hrs. 1. The patient is charged for at least 2 full days room & board.
|
1.Plan's DHCB will be paid for each day of hospitalisation.
|
2.Admission to ICU
|
2.If admitted to an ICU
|
2.An additional 50% of plan's DHCB for each day of admission
|
3.Convalescence
|
3.If hospitalised for more than 5 days continuously.
|
3.An amount equal to 3 times the plan's DHCB.
|
4.Surgery
|
4.If any surgery is performed
|
4.Based on the severity of the surgery a multiple of the plan's DHCB is paid.
|
5.Death during the term of the policy
|
5.On death
|
5.No benefit is payable
|
6.Expiry of policy
|
6.At the end of the term of the policy
|
6.No benefit is payable
|
7.Surrender/Lapse
|
7.On stopping of premiums
|
7.No benefit is payable on Surrenders/Lapses.
|
Hospital Care: UIN 105N068V01
« Back
|
