Age of Insured Member

Coverage opted on Individual basis covering each member of the family separately  (at a single point in time)

Coverage opted on Individual basis covering multiple members of the family under a single policy (Sum Insured is available for each member of the family)

Coverage opted on family floater basis with overall Sum Insured (Only one Sum Insured is available for the entire family)

Premium (Rs.)

Sum Insured (Rs.)

Premium (Rs.)

Discount, if any

Premium after discount

Sum Insured (Rs.)

Premium or consolidated premium for all members of family (Rs.)

Floater Discount if any

Premium after discount (Rs.)

Sum Insured (Rs.)

45

1,471

3,00,000

1,471

5%

1,397.45

3,00,000

5,252

44%

2,940

3,00,000

40

1,471

3,00,000

1,471

5%

1,397.45

3,00,000

21

1,155

3,00,000

1,155

5%

1,097.25

3,00,000

18

1,155

3,00,000

1,155

5%

1,097.25

3,00,000

Total Premium for all members of the family is Rs. 5,252, when each member is covered separately.

Total Premium for all members of the family is Rs. 4,989, when they are covered under a single policy.

Total Premium when policy is opted on floater basis is Rs. 2,940.

Sum Insured available for each individual is Rs. 3,00,000 with a threshold level of Rs. 2,00,000/-

Sum Insured available for each individual is Rs. 3,00,000 with a threshold level of Rs. 2,00,000/-

Sum Insured of Rs. 3,00,000 is available for the entire family with a threshold level of Rs. 2,00,000/-

Age of Insured Member

Coverage opted on Individual basis covering each member of the family separately  (at a single point in time)

Coverage opted on Individual basis covering multiple members of the family under a single policy (Sum Insured is available for each member of the family)

Coverage opted on family floater basis with overall Sum Insured (Only one Sum Insured is available for the entire family)

Premium (Rs.)

Sum Insured (Rs.)

Premium (Rs.)

Discount, if any

Premium after discount

Sum Insured (Rs.)

Premium or consolidated premium for all members of family (Rs.)

Floater Discount if any

Premium after discount (Rs.)

Sum Insured (Rs.)

59

1,785

3,00,000

1,785

5%

1,695.75

3,00,000

3,570

19%

2,891

3,00,000

56

1,785

3,00,000

1,785

5%

1,695.75

3,00,000

Total Premium for all members of the family is Rs. 3,570, when each member is covered separately.

Total Premium for all members of the family is Rs. 3,392, when they are covered under a single policy.

Total Premium when policy is opted on floater basis is Rs. 3,570.

Sum Insured available for each individual is Rs. 3,00,000 with a threshold level of Rs. 3,00,000/-

Sum Insured available for each individual is Rs. 3,00,000 with a threshold level of Rs. 3,00,000/-

Sum Insured of Rs. 3,00,000 is available for the entire family with a threshold level of Rs. 3,00,000/-

Age of Insured Member

Coverage opted on Individual basis covering each member of the family separately  (at a single point in time)

Coverage opted on Individual basis covering multiple members of the family under a single policy (Sum Insured is available for each member of the family)

Coverage opted on family floater basis with overall Sum Insured (Only one Sum Insured is available for the entire family)

Premium (Rs.)

Sum Insured (Rs.)

Premium (Rs.)

Discount, if any

Premium after discount

Sum Insured (Rs.)

Premium or consolidated premium for all members of family (Rs.)

Floater Discount if any

Premium after discount (Rs.)

Sum Insured (Rs.)

69

21,924

95,00,000

21,924

5%

20827.8

95,00,000

41,580

19%

33,810

95,00,000

62

19,656

95,00,000

19,656

5%

18673.2

95,00,000

Total Premium for all members of the family is Rs. 41,580, when each member is covered separately.

Total Premium for all members of the family is Rs. 39,501, when they are covered under a single policy.

Total Premium when policy is opted on floater basis is Rs. 33,810.

Sum Insured available for each individual is Rs. 95,00,000 with a threshold level of Rs. 5,00,000/-

Sum Insured available for each individual is Rs. 95,00,000 with a threshold level of Rs. 5,00,000/-

Sum Insured of Rs. 95,00,000 is available for the entire family with a threshold level of Rs. 5,00,000/-