L&T Insurance Protects Your Family's Health

Welcome to L&T Insurance
In today’s age of hectic work and busy schedules, we rarely have the time to take
proper care of ourselves. And more often than not, our health takes a backseat.
Though the negligence may not be deliberate, the stress of everyday life has made
us even more susceptible to health risks. With an increased cost of living and
continuously growing expenses, treatment for even the most common illnesses can
easily burn a hole in our pockets.
At L&T Insurance, we put ourselves in your shoes and keep every detail in mind
while designing your health plan. We understand that your family’s health is most
precious to you. Which is why we offer you a thoughtful and holistic health
insurance plan to reduce your concerns and let you enjoy absolute peace of mind.
my:health Medisure Classic Insurance
L&T Insurance presents my:health Medisure Classic Insurance, a meticulously designed insurance
solution that understands your family's unique health needs and provides you with a step-by-step
plan to ensure their complete well-being. Especially designed through a scientific process,
my:health plans enables you to quickly bounce back from a medical emergency so that you can
continue to spend and cherish your time with your loved ones.

What does my:health Medisure Classic Insurance Cover?
At L&T Insurance, we make sure that most of your medical expenses are taken care of in case of
a medical emergency.
my: health Medisure Classic Insurance covers:
1. Basic Cover
• Hospitalisation Expenses –
§ For treatment of any disease, illness or injury in a Hospital as an in-patient which
includes-
- Fees of Surgeon, Anesthetist, Nurses and Specialists;
- Cost of Operation Theatre, diagnostic tests, medicines, blood, oxygen and internal
appliances like pacemaker as long as these are medically necessary;
§ Treatment should be for a continuous period and includes relapse within 45 days from
the date of last consultation at the Hospital/Nursing Home. Occurrence of same illness
after a lapse of 45 days will be considered as fresh illness.
§ Hospitalisation as In-patient for a minimum period of 24 hours subject to the limits set
below-
Room Rent/Boarding & Nursing as per actuals limited to 1% of the Sum Insured
(excluding cumulative bonus) per day subject to a maximum of `4,000/- per day
ICU Rent/Boarding & Nursing as per actuals limited to 2% of the Sum Insured (excluding
cumulative bonus) per day subject to a maximum of `6,000/- per day.

§ Expenses on account of Room Rent/ICU Boarding & Nursing if, incurred higher than the
limits above, shall be reduced in the same proportion as such actual costs bears to the
eligible limits above. Such limits shall not apply where Optional Cover for Waiver of
Room Rent Sub-limits has been opted;
• Pre-hospitalisation expenses: This covers the relevant medical expenses you incur within a
period of 30 days before you are admitted to a Hospital/Nursing Home provided that;
i. such medical expenses are incurred for the same condition for which your
hospitalisation was required and
ii. The in-patient Hospitalisation claim for such hospitalisation is admissible by us.
• Post-hospitalisation expenses: This covers the relevant medical expenses, up to a period of
60 days, after you are discharged from the Hospital/Nursing Home provided that;
i. such medical expenses are incurred for the same condition for which your
hospitalisation was required and
ii. The In-patient Hospitalisation claim for such Hospitalisation is admissible by us
Thus, ensuring that you don’t have to worry about expenses post-hospitalisation.
• Day Care Procedures: This covers the medical expenses for a day care procedure or surgery
incurred by you for treatment or procedures that requires less than 24 hours of
hospitalisation undertaken under general or local aneasthesia. There is no static list for day
care procedures in the Policy as advances in medical science leads to many more being
added continuously. So, whether it’s recommended by a medical practitioner or even if it is
a new procedure, you can be rest assured that, we will cover it. However, this cover
excludes diagnostic procedures and treatments taken on an outpatient basis.

• Domiciliary Hospitalisation: Coverage for medical treatment requiring hospitalisation,
taken at home on advice of the attending medical practitioner, due to non-availability of a
hospital bed, which continues for at least 3 days. Coverage is extended for
pre-hospitalisation expenses incurred up to 30 days. However, the post-hospitalisation
expenses are not covered.
• Hospitalisation due to Accident: If, during the term of your policy, the entire Sum Insured
gets used up or is not enough to cover your second hospitalisation due to accident, the
Sum Insured of your policy is ‘reinstated’ or ‘replenished’ to the extent of the claim amount
(but not exceeding the Sum Insured) to cover this hospitalisation. This additional amount
will be available only ONCE during the 12-month Policy Year.
• Maternity and New-born baby Cover:
Coverage towards maternity expenses and new-born baby cover up to the limit of Sum
Insured below:
§� Maximum of 10% of Sum Insured or `20,000/- for a normal delivery and 20% of Sum
Insured or `40,000/- for a caesarean section or actual cost, whichever is lower.
�§ Coverage is applicable only for the first two children and/or termination(s).
�§ Coverage is limited to the female member who has been covered under any Policy
issued by us for a continuous period of 48 months.
�§ New-born baby covered for a period of 90 days from date of birth within the maternity
limits.
§ After 90 days, baby can be added under the Policy by way of endorsement and
payment of additional Premium.

Ayurvedic Treatment: Coverage for cost of (non cosmetic) Ayurvedic treatment upto `25,000
per Policy Year, with prior approval from the Company requiring 24 hours hospitalisation/
residential in-patient with government registered hospital for the specified treatments (For
details refer the Prospectus). Coverage for Ayurvedic treatments is applicable subject to terms,
conditions, definitions, waiting periods and exclusions under the Policy.
• Pre-existing Diseases: After 36 months of continuous coverage, from the 4th year you can
claim the payment of relevant medical expenses incurred on your pre-existing diseases.
2. Optional Covers
You can also avail our Optional covers on payment of additional premium.
• Double Sum Insured for Critical Illness:
- Provides for an additional cover equivalent to the Sum Insured excluding the cumulative
bonus for treatment of - Cancer, Kidney Failure, Multiple Sclerosis, Primary Pulmonary
Hypertension, Major Organ Transplant, Aorta Graft Surgery, Coronary Artery Bypass
Graft, First Heart Attack and Stroke.
- Additional Sum Insured (excluding cumulative bonus) is exclusively available only for the
treatment of the first occurrence of the above Critical Illnesses.
- Coverage will not be extended for the same Critical Illness for any subsequent Policy
Year, however, the remaining critical illnesses will continue to be covered.
- This coverage is in addition to the Hospitalisation cover and the cumulative Sum Insured
under both could be used for hospitalisation against covered Critical Illness. And both
could be used for any Critical Illness event.

- The option can be availed only up to the age of 65 years (age last birthday) and for Sum
Insured of `2 Lacs and above. For customers who avail of such option at or before that
age, the cover shall continue to be available in the case of continuous renewals.
• Waiver of Room Rent Sub-limits:
- If this coverage is opted, the sub limits of Room Rent and ICU under the Basic Cover of
Hospitalisation Expenses will be waived however, subject to the overall limit of the Sum
Insured.
This Option can be availed during inception of the Policy or at the time of renewal. In case
additional covers are opted at the time of renewal, its subject to Health check up and Medical
Underwriting by the Company.
Other Features of my:health Medisure Classic Insurance
It is our constant endeavour to give you the plan best suited to your requirements. Equipped
with various innovative features, L&T Insurance’s my:health Medisure Classic Insurance offers
you the following additional features:
• Hospital Cash: `500 per day from 4th to 10th day when hospitalisation exceeds 3
continuous days.
• Ambulance Charges: Maximum up to `1,500/- per hospitalisation.
• Recovery Benefit: `5,000/- when hospitalisation exceeds 10 continuous days or more.
• Health Check-Up: For all Insured Persons at the end of four continuous claim free Policy
Years, limited to 1% of average Sum Insured excluding cumulative bonus, per person in
case of Individual Policy and for all members put together in case of a floater.

• Family Floater: You can cover up to 4 members of your family – your lawful spouse and 2
dependent children up to the age of 23 years - under a single policy and single Sum Insured.
• Family Discount: If you opt for Individual Sum Insured for each of your family members
under a single policy instead of a Family Floater option, we give you a Family Discount of
10% on the total premium payable for covering more than 2 family members. This will
include you, your lawful spouse, dependent children and dependant parents only. The
Family discount will be available for a maximum of 6 persons only.
• Cumulative Bonus: The ‘Sum Insured’ of your policy progressively increases by 5% on every
renewal, for every claim-free year, subject to a maximum accumulation of 50% of your Sum
Insured (if a claim is made, the Cumulative Benefit that has accrued will be reduced by 20%
however, the basic Sum Insured will be maintained at all times).
• Two Year Policy Option: A discount of 5% is available on the combined premium for both
the years.
• Lifetime Renewal of Policy: Your Policy is renewable for life time.
• Income Tax Benefit: You can get tax exemption on the premium paid under section 80D of
the Income Tax Act.
• Free-look Period: If you are not satisfied with our coverage or terms, you have the option of
cancelling the policy within 15 days, provided there has been no claim. We will refund the
premium paid after adjusting the amounts spent on stamp duty charges, Medical
examination (wherever applicable) and proportionate premium (If Policy has already
commenced). Refund will not be applicable if you have made a claim against the Policy
during that period.
• Co-payment: All Insured Persons above the age of 80 years (age last birthday) shall bear a

co-pay of 10% for each and every claim.
Renewal terms of my:health Medisure Classic
How to Renew your Policy?
You can renew your Policy by making a request to us before the expiry date. You can also
renew policy within 30 days from expiry of your Policy subject to the fact that the premium for
the renewal is received within the same period. In such a situation, you will be eligible to
‘continuity benefits’ like the cumulative Bonus and continuity of covers. Please note that we,
shall not be liable for any claims arising out of ailments/hospitalisation during the period
between expiry and renewal.
If the renewal of the Policy is not done within 30 days of due date, it will be considered as a
new policy.
We will not be liable to pay hospitalisation expenses incurred during break period. Any
disease/condition contracted in the break period will not be covered and will be treated as
Pre-existing condition.
The Policy can be renewed for lifetime unless:
I. Any fraud, non cooperation, misrepresentation or suppression of material facts as sought
to be declared on the Proposal form by You or on Your behalf is found either in obtaining
insurance or subsequently in relation thereto or,
II. We have discontinued issuance of Policy under this Product, in which event You will have
the option of renewal under any similar Policy being issued by us; provided however,
benefits payable shall be subject to the terms contained in such other Policy. Such

modification or revision of the terms and conditions of the Product shall be intimated to
you 3 months in advance along with reasons of modification and revision.
A change in the Sum Insured is allowed on renewals, however it may be subject to Medical test
and subsequent Underwriting approval. Any enhanced Sum Insured during subsequent policy
renewals will not be available for an illness, disease, injury already contracted under the
preceding policy periods. All waiting periods as defined in the Policy shall apply for this
enhanced limit from the effective date of enhancement of such Sum Insured considering such
Policy Period as the first Policy with us. Sum Insured enhancement will be subject to
Underwriting approval.
Based on the experience of the Product, Premium, Terms and Conditions may be revised subject
to prior approval of Insurance Regulatory and Development Authority. Such revision shall be
intimated to you 3 months in advance with an option of renewal under any similar Policy being
issued by us. However, benefits payable shall be subject to the terms contained in such other
Policy. Individual Claims experience loading is not applicable under the Policy.
In case of floater Policies, where dependent child crosses age 23 years, renewal can be done in
a separate Policy under the same Product or any other available Products with continuity
benefits.
If you are above the age of 80 years, there is a 10% co-payment obligation as there is no
further premium increase.
For any changes desired at the time of Renewal, please communicate with us. Contact Details
are provided at the end of the document.
The Company reserves its right to vary the premium from time to time subject to approval of
IRDA (Insurance Regulatory and Development Authority).

Portability Option: Portability will be provided on the Policy in accordance with IRDA
guidelines issued on Portability from time to time. You may approach another insurer atleast
45 days before the expiry date to avoid any break in coverage. Portability benefits are not
automatically applicable under the Policy unless application for portability has been specifically
made and subsequently accepted by the Company.
How to Cancel your Policy?
In case you are not content with our policy and wish to cancel it, you may intimate us by giving
15 days notice in writing and we will refund the premium for the unexpired term as per the
short period scales given below:
Period of Cover up to Refund of Annual Premium rate (%)
1 Month 75%
3 Months 50%
6 Months 25%
Exceeding Six Months up to 365 days NIL
In case of 2 year Policy;
If cancellation done before completion of 1 year: same grid as given above is applicable on first
year Premium and second year Premium will be completely refunded.
If cancellation is done after completion of 1 year: same grid as given above is applicable
however retention Premium on second year premium will be calculated on Annual Premium
without long term Policy discount.

A minimum premium of `250 per policy will be retained towards administration charges by the
Company.
Get the L&T Advantage
For over 7 decades, across industries, the L&T Group has practised and perfected incisive
solutions and its precise delivery. We are a state-of-the-art, technologically-driven company
that has the calibre and expertise to provide world-class customer service.
Claims Service Assurance*
We make cashless decision within 6 business hours (where the request is received between
9 am to 9 pm on Monday to Saturday) giving you the advantage of time and convenience.
During non-working hours and on any other holiday/s, the decision will be in a maximum of
8 hours. Reimbursement claim settlements are made within 6 working days on receipt of
complete set of documents.
In case we fail in meeting this assurance, a fixed compensation of `1,000/- shall be payable for
a single claim. Assurance is applicable only to the first response on a single claim and no
subsequent correspondence.
The above compensation shall be paid notwithstanding the Company’s obligation to pay
interest in cases of delay in settlement of claims, as per Reg. 9(6) of IRDA (PPH) Regulations.
*Service features are inbuilt in to the policy and will be available to all Insured Persons without
any additional cost.
We combine innovative and unique product benefits coupled with seamless customer support
to make sure our approach to your life is a thoughtful one. At L&T Insurance, your health is our
priority.

FAQs
Q. Can my:health Medisure Classic Insurance cover my entire family? Are there any age
limits?
The Proposer, Spouse, Dependent Children, Dependant Parents and blood relatives can be
covered under the Individual Policy. For a floater, Self, Spouse and Dependent Children upto
23 years can be covered under a Single Policy.
The following criteria are applicable if you wish to cover your family under a policy:
• Minimum age at entry will be 3 months for children and 18 years for adults.
• Entry and renewals are available for Lifetime.
• Children between the age of 3 months (91 days) and 18 years will be covered only if either
of the parent is covered.
• Optional Cover of Double Sum Insured for Critical Illness only up to the age of 65 years (age
last birthday) and for Sum Insured of `2 Lacs and above. For customers who avail such
option at or before that age, the cover shall continue to be available in the case of
continuous renewals.
• The availability of Optional Cover of Waiver of Room Rent Sub-limits under hospitalisation
is for lifetime.
Q. What will be my Sum Insured?
With my:health Medisure Classic Insurance, the amount will differ depending on the type
of policy you have opted for.
• 1 Lac to 5 Lacs in multiples of 1 Lac for Individual Policies.
• 2 Lacs to 5 Lacs in multiples of 1 Lac for Floater Policies.

Q. What is not covered in my policy?
The Company shall not be liable to make any payment for any claim directly or indirectly
caused by, based on, arising out of or howsoever attributable to any of the following:
1. All pre-existing diseases/illness/injury/conditions as defined in the Policy, until 36 months of
continuous covers have elapsed since inception of the first Policy with us.
2. Any disease contracted and/or medical expenses incurred in respect of any disease/illness
by the Insured/Insured Person during the first 30 days from the commencement date of
the Policy except in case of accidental injuries. This exclusion doesn’t apply for
Insured/Insured Person having any health insurance indemnity policy in India atleast for 1
year prior to taking this Policy as well as for subsequent renewals with the Company
without a break.
3. All expenses along with their complications on treatment towards Cataract, Hysterectomy
other than for Malignancy, Uterine prolapse including any condition requiring
Hysterectomy, Polycystic Ovarian Diseases, Myomectomy for Fibroids, Knee Replacement
Surgery (other than caused by an Accident), Osteoarthritis and Osteoporosis if age related,
Arthritis, Rheumatism, Joint Replacement Surgery (other than caused by Accident),
Prolapse of Intervertibral Discs(other than caused by accident), Varicose Veins and Varicose
Ulcers, Hernia, Stones in the Urinary, Uro-Genital and Biliary Systems, Benign Prostate
Hypertrophy, Hydrocele, Congenital Internal anomaly, Fistula in Anus, Piles, Fissures,
Fibroids, Dilatation & Curettage for treatment purposes, Pilonidal Sinus, Chronic
Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders,
Surgery on Tonsils/Adenoids, Gastric and Duodenal Ulcer, any type of Cysts/Nodules/Polyps,
and any type of Breast Lumps, benign ear, Nose and Throat disorders and surgeries
Chronic Nephritis and Nephritic Syndrome, Hypertension and Diabetes and related

complications during the first two years(24 months) of continuous operation of this
insurance cover.
Diabetes & Related complications include: Diabetic Retinopathy, Diabetic Nephropathy,
Diabetic Foot/Wound, Diabetic Angiopathy, Diabetic Neuropathy, Hyper/Hypoglycaemic
Shocks.
Hypertension & Related complications include: Coronary Artery Disease, Cerebrovascular
Accident, Hypertensive Nephropathy, Internal Bleed/Haemorrhages. If these diseases are
pre-existing at the time of proposal or subsequently found to be pre-existing Exclusion 1
above shall apply.
4. Domiciliary hospitalisation expenses in respect of following:
1. Asthma, Bronchitis, Tonsillitis and Upper Respiratory Tract infection including
Laryngitis and Pharyngitis, Cough and Cold, Influenza,
2. Arthritis, Gout and Rheumatism,
3. Chronic Nephritis and Nephritic Syndrome,
4. Diarrhoea and all type of Dysenteries including Gastroenteritis,
5. Diabetes Mellitus and Insipidus,
6. Epilepsy,
7. Hypertension,
8. Psychiatric or Psychosomatic Disorders of all kinds,
9. Pyrexia of unknown Origin.

5. Any treatment arising from or traceable to pregnancy, childbirth including caesarean
section until 48 months of continuous coverage has elapsed since the inception of the
first Policy with the Company. However, this exclusion/waiting period will not apply to
Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the
attending Medical Practitioner.
6. Circumcision unless necessary for treatment of a disease, illness or injury not excluded
hereunder or due to an Accident.
7. Genetic disorder and stem cell implantation/surgery.
8. Dental treatment or surgery of any kind unless necessitated due to an Accident and
requiring minimum 24 hours hospitalisation or treatment of irreversible bone disease
involving the jaw which cannot be treated in any other way, but not if it is related to gum
disease or tooth disease or damage.
9. Birth control procedures, hormone replacement therapy and voluntary termination of
pregnancy during the first 12 weeks from the date of conception.
10. Routine medical, eye and ear examinations, cost of spectacles, laser surgery for cosmetic
purposes or corrective surgeries, contact lenses or hearing aids, vaccinations except
post-bite treatment for new born baby up to 90 days, issue of medical certificates and
examinations as to suitability for employment or travel.
11. All expenses arising out of any condition directly or indirectly caused due to or associated
with human T-call Lymph tropic virus type III (HTLV-III) or Lymphadinopathy Associated
Virus (LAV) or Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex
syndrome (ARCS) and all diseases/illness/injury caused by and/or related to HIV and sexually
transmitted diseases.

12. Vitamins and tonics unless forming part of treatment for disease, illness or injury and
prescribed by a Medical Practitioner.
13. Instrument used in treatment of Sleep Apnoea Syndrome (C.P.A.P.) and Continuous
Peritoneal Ambulatory Dialysis (C.P.A.D.) and Oxygen Concentrator for Bronchial
Asthmatic condition, Infusion pump or any other external devices used during or after
treatment.
14. Artificial life maintenance, including life support machine use, where such treatment will
not result in recovery or restoration of the previous state of health.
15. Treatment for developmental problems including learning difficulties eg. Dyslexia,
behavioural problems including attention deficit hyperactivity disorder (ADHD).
16. Treatment for general debility, ageing, convalescence, run-down condition or rest cure,
Congenital external anomaly/ies or defects, sterility, infertility including IVF, impotency,
venereal disease, puberty, menopause or intentional self-injury, suicide or attempted
suicide (whether sane or insane).
17. Certification/Diagnosis/Treatment by a family member or from persons not registered as
Medical Practitioners under the respective Medical Councils, or any diagnosis or treatment
that is not scientifically recognised or experimental or unproven.
18. Ailment requiring treatment due to use, abuse or a consequence of an abuse of any
substance, intoxicant, drug, alcohol or hallucinogen and treatment for de-addiction, or
rehabilitation.
19. Any illness or hospitalisation arising or resulting from the Insured/Insured person or any of
his family members committing any breach of law with criminal intent.

20. Any treatment received in convalescent homes, convalescent hospitals, health hydros,
nature cure clinics or similar establishments.
21. Prostheses, corrective devices and medical appliances, which are not required
intra-operatively for the disease/illness/injury for which the Insured/Insured Person was
hospitalised.
22. Any stay in Hospital/Nursing Home without undertaking any treatment or any other
purpose other than for receiving eligible treatment of a type that normally requires a stay
in the hospital.
23. Treatment of any mental illness or sickness or disease including a psychiatric condition,
disorganisation of personality or mind, or emotions or behaviour, Parkinson’s or
Alzheimer’s disease even if caused or aggravated by or related to an Accident or Illness or
general debility or exhaustion (“run-down condition”).
24. Any cosmetic surgery unless forming part of treatment for cancer or burns, surgery for sex
change or treatment of obesity/morbid obesity or treatment/surgery /complications/illness
arising as a consequence thereof.
25. Charges incurred primarily for diagnostic, X-ray or laboratory examinations or other
diagnostic studies not consistent with or incidental to the diagnosis and treatment even if
the same requires confinement at a Hospital/Nursing Home.
26. Costs of donor screening and organ.
27. Costs incurred on all medical treatments other than Allopathy Treatments. Ayuvedic
expenses covered to the extent of coverage provided in Annexure A.
28. Insured/Insured Persons whilst engaging in speed contest or racing of any kind (other
than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving,

paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or
ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus,
polo, snow and ice sports or involving a naval military or air force operation.
29. Insured/Insured Person whilst flying or taking part in aerial activities (including cabin crew)
except as a fare-paying passenger in a regular Scheduled Airline or Air Charter Company.
30. All expenses caused by ionising radiation or contamination by radioactivity from any
nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
31. All expenses directly or indirectly, caused by or arising from or attributable to foreign
invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared
or not or while performing duties in the armed forces of any country), civil war, public
defense, rebellion, revolution, insurrection, military or usurped power.
32. All non-medical expenses including but not limited to convenience items for personal
comfort not consistent with or incidental to the diagnosis and treatment of the
disease/illness/injury for which the Insured/Insured Person was hospitalized, Ambulatory
devices, walker, crutches, belts, collars, splints, slings, braces, stockings of any kind,
diabetic footwear, glucometer/thermometer and any medical equipment that is
subsequently used at home except when they form part of Room expenses.
33. Any condition after the point at which it is certified by the attending Medical Practitioner
to be of such a nature that further medical treatment may serve to stabilize or maintain it
but it is unlikely to result in a material improvement within a reasonable time.
34. Service charges levied by the Hospital/Nursing Home, except registration/admission
charges.
35. Pre-Post hospitalization expenses of the donor, donor screening, cost of organ or any
other medical treatment for the donor consequent on the harvesting.

Medical Examination Report,
Treadmill Test, Complete Blood
Count, Lipid Profile, HBA1C, Serum
Creatinine, Urinalysis, SGOT, SGPT
and GGT
Q. What is the premium payable for my:health Medisure Classic Insurance?
The Premium will be based on the age, total number of persons you wish to cover, the policy
tenure and Sum Insured you opt for.
Premium as per Annexure attached
1.1 All Individuals up to 50 years (age last birthday as at Policy inception date) - The Company
will rely on the declarations made on the Proposal Form. In case the declaration reveals any
medical adversity, the Company may require the individual to undergo appropriate medical
tests.
1.2 For age group 51-65 years (age last birthday as at Policy inception date) The Individuals
would be required to undergo pre-acceptance medical tests - Medical Examination Report,
Treadmill Test, Lipid Profile, HbA1C, Serum Creatinine, Complete Blood Count, Urinalysis.
1.3 For the following category:
Scenarios Medical Tests Requirement
Age group 66 yrs and above
Age group 51 - 65 years with Optional Cover
for Double Sum Insured for Critical Illness
Optional Cover for Double Sum Insured for
Critical Illness at Renewal with or without
Claim irrespective of age
(Age last birthday as at Policy inception date to be considered)

The Company reserves its right to require any individual to undergo such medical tests or
where required any further additional tests, at the sole discretion of the Company to
determine the acceptance of a Proposal.
Some of the objective criteria defined as under -
All Medical reports need to be within 30 days from date of Proposal Form and can be
conducted at the Company’s list of Network Hospitals/Clinics.
In case of accepted proposals, the Company shall reimburse 50% of the pre-acceptance medical
test costs. (on our pre agreed rates with the network provider)
Medical Underwriting: Proposer about 50 years of age and those having medical history are
subject to Medical Underwriting by the company. The company reserves the right to
Accept/Decline/Accept with exclusion or Premium loading (upto maximum of 100% on basic
Premium). These loadings are applied from Commencement Date of the Policy including
subsequent renewal(s) with us.
Q. How do I lodge a claim under my:health Medisure Classic Insurance?
There are various methods to lodge a claim under my:health Medisure Classic Insurance.
For cashless* hospitalisation: (*cashless facility is available only at our network hospitals)
• All you have to do is contact us at the numbers provided on your health card immediately.
• Just submit a Cashless request form to us, along with all information and documents
pertaining to the illness as required.
• Our representative will be happy to guide you further and help you process the request.
Based on the coverage under your policy, the cashless request will be approved.

For a reimbursement of expenses: (at other hospitals outside of our network) or at network
hospitals where cashless is not availed:
• You will need to collate the original bills along with other documents as required and
submit it to the address mentioned in your policy schedule.
In case of planned hospitalisation, please inform us 72 hours in advance and in case of
emergency within 24 hours of admission. (For detailed information on our network of hospitals
as well as documentation for cashless claims please visit www.ltinsurance.com)
Q. What is the claims settlement procedure?
Our Claims settlement procedure is quick and transparent. For any kind of support or
information, please call our helpline 1800 102 3243 or write to us at:
myhealthclaim@ltinsurance.com. Undue delay in intimation of claim or submission of
documents may prejudice a claim.
To understand the claims process in detail, and to get a checklist of the documentation, please
visit www.ltinsurance.com and view the ‘claims process’ section.
Special channel for Insured Persons who are Senior Citizens:
‘Good things come with time’ and so for our customers who are above 60 years of age we have
created special channels to address any health insurance related query. At L&T Insurance, our
senior citizen customers can reach us through the below dedicated channels to enable us to
service them promptly.

The Company reserves its rights to vary the premium from time to time subject to approval
of IRDA.
Q. Does my policy have the option of portability?
Portability will be provided on your policy in accordance to IRDA guidelines issued on Portability.
Disclaimers:-
IRDA Reg. No. 146 L&T Insurance is the brand of L&T General Insurance Company Ltd.
Registered Office: L&T House, Ballard Estate, N.M. Marg, Mumbai - 400 001
Corporate Office: 6th Floor, City 2, Plot no. 177, CST Road, Near Bandra-Kurla Telephone
Exchange, Kalina, Santacruz East, Mumbai - 400 098.
Insurance is subject matter of the solicitation. IRDA Reg. No. 146
L&T Insurance is the brand of L&T General Insurance Company Limited.
Regd. Office:
Corporate Office:
Advt. Ref. No.

Registered Office: L&T General Insurance Company Limited, L&T House, N.M. Marg, Ballard Estate,
Mumbai - 400001. IRDA Registration No. 146. Insurance is the subject matter of solicitation.
Unique Identification Number - IRDA/NL-HLT/L&TGI/P-H/V.I/249/13-14 Advt. Ref. No. - LTGICL/FY13-14/ 048
The product literature gives only the salient features of the Policy and is subject to the Policy terms, conditions
and exclusions. For further details on all the conditions and for complete information, please visit our website
www.ltinsurance.com
Reach us at the touch points below
Toll - free No.:
1800-209-5846 (1800-209-LTIN)
SMS:
‘LTI’ to 5607058 (56070LT). We will call you back.
Email:
help@ltinsurance.com
Write to us:
L&T General Insurance Company Limited
6th Floor, City 2, Plot no. 177, CST Road,
Near Bandra-Kurla Telephone Exchange, Kalina,
Santacruz East, Mumbai – 400098, INDIA
Website:
www.ltinsurance.com
LTGICL/HL-10/Sep-2013

Individual One Year Premium Rates
Base Cover
Premium Exclusive of Service Tax
A1C0_1 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 Lacs
Upto 35 Years 1,994 2,516 3,121 3,830 4,481
36 to 40 Years 2,192 2,773 3,451 4,243 4,974
41 to 45 Years 2,406 3,055 3,818 4,706 5,529
46 to 50 Years 3,407 4,376 5,534 6,869 8,127
51 to 55 Years 4,184 5,261 6,553 8,038 9,442
56 to 60 Years 5,491 6,976 8,775 10,832 12,792
61 to 65 Years 6,299 8,034 10,142 12,550 14,849
66 to 70 Years 8,656 11,109 14,107 17,520 20,796
71 to 75 Years 10,945 14,083 17,931 22,302 26,509
76 to 80 Years 11,687 15,040 19,157 23,830 28,332
Above 80 Years 13,710 17,676 22,552 28,083 33,418
Base Cover + No Sub Limit
Upto 35 Years 2,442 3,233 4,000 4,977 5,736
36 to 40 Years 2,699 3,585 4,445 5,541 6,394
41 to 45 Years 2,981 3,976 4,946 6,179 7,140
46 to 50 Years 4,302 5,808 7,288 9,159 10,632
51 to 55 Years 5,186 6,865 8,518 10,604 12,249
56 to 60 Years 6,902 9,234 11,541 14,444 16,743
61 to 65 Years 7,960 10,691 13,397 16,802 19,499
66 to 70 Years 11,035 14,915 18,769 23,610 27,457
71 to 75 Years 14,009 18,985 23,936 30,145 35,087
76 to 80 Years 14,967 20,288 25,585 32,226 37,516
Above 80 Years 17,603 23,904 30,181 38,048 44,317
Base Cover + Critical Illness
Upto 35 Years 2,889 3,308 3,954 4,581
36 to 40 Years 3,271 3,700 4,409 5,107
41 to 45 Years 3,677 4,129 4,913 5,695
46 to 50 Years 5,676 6,281 7,367 8,525
51 to 55 Years 7,917 8,171 9,117 10,305
56 to 60 Years 10,296 10,767 12,160 13,854
61 to 65 Years 12,184 12,383 14,044 16,044
66 to 70 Years 16,089 16,597 19,180 22,124
71 to 75 Years 19,810 20,794 24,211 28,036
76 to 80 Years 23,008 23,141 26,486 30,457
Above 80 Years 25,644 26,536 30,739 35,543
Base Cover + No Sub Limit + Critical Illness
Upto 35 Years 3,606 4,187 5,101 5,836
36 to 40 Years 4,083 4,694 5,707 6,527
41 to 45 Years 4,598 5,257 6,386 7,306
46 to 50 Years 7,108 8,035 9,657 11,030
51 to 55 Years 9,521 10,136 11,683 13,112
56 to 60 Years 12,554 13,533 15,772 17,805
61 to 65 Years 14,841 15,638 18,296 20,694
66 to 70 Years 19,895 21,259 25,270 28,785
71 to 75 Years 24,712 26,799 32,054 36,614
76 to 80 Years 28,256 29,569 34,882 39,641
Above 80 Years 31,872 34,165 40,704 46,442

Floater 2 Adults One Year Premium Rates
Base Cover
A2C0_1 2 Lacs 3 Lacs 4 Lacs 5 Lacs
Upto 35 Years 4,009 5,001 6,147 7,221
36 to 40 Years 4,441 5,559 6,845 8,056
41 to 45 Years 4,918 6,179 7,627 8,995
46 to 50 Years 6,988 8,873 11,025 13,076
51 to 55 Years 8,625 10,731 13,132 15,425
56 to 60 Years 11,387 14,342 17,695 20,913
61 to 65 Years 13,121 16,591 20,523 24,303
66 to 70 Years 18,176 23,124 28,720 34,118
71 to 75 Years 23,041 29,401 36,585 43,525
76 to 80 Years 24,608 31,414 39,099 46,526
Above 80 Years 28,920 36,988 46,094 54,900
Upto 35 Years 5,223 6,488 8,090 9,347
36 to 40 Years 5,813 7,241 9,043 10,461
41 to 45 Years 6,474 8,088 10,121 11,723
46 to 50 Years 9,346 11,764 14,803 17,209
51 to 55 Years 11,266 13,970 17,365 20,056
56 to 60 Years 15,081 18,883 23,636 27,418
61 to 65 Years 17,468 21,935 27,515 31,960
66 to 70 Years 24,403 30,779 38,735 45,084
71 to 75 Years 31,060 39,259 49,483 57,648
76 to 80 Years 33,194 41,968 52,908 61,646
Above 80 Years 39,109 49,514 62,483 72,845
Upto 35 Years 4,641 5,317 6,358 7,390
36 to 40 Years 5,283 5,980 7,126 8,281
41 to 45 Years 5,970 6,706 7,978 9,276
46 to 50 Years 9,129 10,104 11,846 13,733
51 to 55 Years 12,999 13,399 14,912 16,849
56 to 60 Years 16,818 17,612 19,879 22,662
61 to 65 Years 19,910 20,270 22,980 26,271
66 to 70 Years 26,323 27,212 31,450 36,304
71 to 75 Years 32,410 34,102 39,724 46,039
76 to 80 Years 37,643 37,954 43,467 50,024
Above 80 Years 41,955 43,528 50,462 58,398
Upto 35 Years 5,855 6,804 8,301 9,516
36 to 40 Years 6,655 7,662 9,324 10,686
41 to 45 Years 7,526 8,615 10,472 12,004
46 to 50 Years 11,487 12,995 15,624 17,866
51 to 55 Years 15,640 16,638 19,145 21,480
56 to 60 Years 20,512 22,153 25,820 29,167
61 to 65 Years 24,257 25,614 29,972 33,928
66 to 70 Years 32,550 34,867 41,465 47,270
71 to 75 Years 40,429 43,960 52,622 60,162
76 to 80 Years 46,229 48,508 57,276 65,144
Above 80 Years 52,144 56,054 66,851 76,343

Floater 2 Adults and 1 Child One Year Premium Rates
Base Cover
Upto 35 Years 5,319 6,641 8,160 9,596
36 to 40 Years 5,751 7,199 8,858 10,430
41 to 45 Years 6,228 7,819 9,640 11,370
46 to 50 Years 8,298 10,513 13,038 15,451
51 to 55 Years 9,935 12,371 15,145 17,800
56 to 60 Years 12,696 15,982 19,708 23,288
61 to 65 Years 14,431 18,231 22,535 26,678
66 to 70 Years 19,486 24,764 30,733 36,493
71 to 75 Years 24,351 31,041 38,598 45,899
76 to 80 Years 25,918 33,054 41,112 48,901
Above 80 Years 30,230 38,628 48,107 57,275
Upto 35 Years 6,959 8,650 10,785 12,467
36 to 40 Years 7,549 9,403 11,738 13,580
41 to 45 Years 8,210 10,249 12,816 14,844
46 to 50 Years 11,082 13,926 17,498 20,330
51 to 55 Years 13,002 16,132 20,059 23,176
56 to 60 Years 16,816 21,044 26,330 30,539
61 to 65 Years 19,204 24,097 30,209 35,080
66 to 70 Years 26,139 32,940 41,430 48,205
71 to 75 Years 32,796 41,421 52,178 60,768
76 to 80 Years 34,930 44,130 55,603 64,767
Above 80 Years 40,845 51,675 65,177 75,966
Upto 35 Years 6,173 7,068 8,445 9,824
36 to 40 Years 6,815 7,731 9,213 10,714
41 to 45 Years 7,502 8,457 10,065 11,710
46 to 50 Years 10,661 11,855 13,933 16,167
51 to 55 Years 14,531 15,150 16,999 19,283
56 to 60 Years 18,349 19,363 21,966 25,096
61 to 65 Years 21,442 22,021 25,066 28,705
66 to 70 Years 27,855 28,963 33,537 38,739
71 to 75 Years 33,942 35,853 41,811 48,473
76 to 80 Years 39,175 39,705 45,554 52,458
Above 80 Years 43,487 45,279 52,549 60,832
Upto 35 Years 7,813 9,077 11,070 12,695
36 to 40 Years 8,613 9,935 12,093 13,864
41 to 45 Years 9,484 10,887 13,241 15,184
46 to 50 Years 13,445 15,268 18,393 21,046
51 to 55 Years 17,598 18,911 21,913 24,659
56 to 60 Years 22,469 24,425 28,588 32,347
61 to 65 Years 26,215 27,887 32,740 37,107
66 to 70 Years 34,508 37,139 44,234 50,451
71 to 75 Years 42,387 46,233 55,391 63,342
76 to 80 Years 48,187 50,781 60,045 68,324
Above 80 Years 54,102 58,326 69,619 79,523

Floater 2 Adults and 2 Children One Year Premium Rates
Base Cover
Upto 35 Years 6,606 8,252 10,136 11,927
36 to 40 Years 7,039 8,810 10,834 12,761
41 to 45 Years 7,515 9,430 11,616 13,701
46 to 50 Years 9,585 12,124 15,014 17,782
51 to 55 Years 11,223 13,982 17,121 20,131
56 to 60 Years 13,984 17,593 21,684 25,619
61 to 65 Years 15,718 19,842 24,512 29,009
66 to 70 Years 20,773 26,375 32,709 38,824
71 to 75 Years 25,639 32,652 40,574 48,230
76 to 80 Years 27,206 34,665 43,088 51,232
Above 80 Years 31,517 40,239 50,083 59,606
Upto 35 Years 8,663 10,773 13,429 15,529
36 to 40 Years 9,254 11,525 14,382 16,642
41 to 45 Years 9,915 12,372 15,459 17,905
46 to 50 Years 12,786 16,048 20,141 23,391
51 to 55 Years 14,708 18,254 22,703 26,237
56 to 60 Years 18,521 23,167 28,974 33,600
61 to 65 Years 20,909 26,219 32,854 38,142
66 to 70 Years 27,843 35,063 44,074 51,266
71 to 75 Years 34,502 43,543 54,822 63,829
76 to 80 Years 36,635 46,252 58,246 67,828
Above 80 Years 42,550 53,798 67,821 79,027
Upto 35 Years 7,677 8,788 10,493 12,213
36 to 40 Years 8,320 9,451 11,261 13,103
41 to 45 Years 9,006 10,176 12,114 14,099
46 to 50 Years 12,166 13,575 15,982 18,556
51 to 55 Years 16,036 16,870 19,047 21,672
56 to 60 Years 19,855 21,083 24,014 27,485
61 to 65 Years 22,946 23,741 27,115 31,094
66 to 70 Years 29,359 30,682 35,585 41,128
71 to 75 Years 35,447 37,573 43,860 50,861
76 to 80 Years 40,681 41,425 47,602 54,847
Above 80 Years 44,992 46,999 54,597 63,221
Upto 35 Years 9,734 11,309 13,786 15,815
36 to 40 Years 10,535 12,166 14,809 16,984
41 to 45 Years 11,406 13,118 15,957 18,303
46 to 50 Years 15,367 17,499 21,109 24,165
51 to 55 Years 19,521 21,142 24,629 27,778
56 to 60 Years 24,392 26,657 31,304 35,466
61 to 65 Years 28,137 30,118 35,457 40,227
66 to 70 Years 36,429 39,370 46,950 53,570
71 to 75 Years 44,310 48,464 58,108 66,460
76 to 80 Years 50,110 53,012 62,760 71,443
Above 80 Years 56,025 60,558 72,335 82,642

Floater 1 Adult and 1 Child One Year Premium Rates
Base Cover
Upto 35 Years 3,825 4,761 5,843 6,856
36 to 40 Years 4,083 5,091 6,256 7,349
41 to 45 Years 4,365 5,458 6,718 7,904
46 to 50 Years 5,686 7,174 8,882 10,501
51 to 55 Years 6,571 8,193 10,051 11,817
56 to 60 Years 8,286 10,415 12,845 15,167
61 to 65 Years 9,344 11,783 14,562 17,224
66 to 70 Years 12,418 15,747 19,532 23,171
71 to 75 Years 15,393 19,571 24,314 28,884
76 to 80 Years 16,350 20,797 25,843 30,707
Above 80 Years 18,986 24,192 30,096 35,793
Upto 35 Years 4,968 6,161 7,672 8,857
36 to 40 Years 5,321 6,607 8,236 9,515
41 to 45 Years 5,712 7,108 8,873 10,261
46 to 50 Years 7,544 9,449 11,854 13,752
51 to 55 Years 8,601 10,679 13,299 15,369
56 to 60 Years 10,970 13,703 17,139 19,863
61 to 65 Years 12,427 15,560 19,495 22,620
66 to 70 Years 16,650 20,931 26,303 30,577
71 to 75 Years 20,721 26,097 32,838 38,208
76 to 80 Years 22,024 27,747 34,921 40,636
Above 80 Years 25,640 32,343 40,743 47,438
Upto 35 Years 4,420 5,059 6,041 7,015
36 to 40 Years 4,803 5,451 6,496 7,541
41 to 45 Years 5,209 5,880 6,999 8,129
46 to 50 Years 7,208 8,032 9,454 10,959
51 to 55 Years 9,449 9,922 11,204 12,739
56 to 60 Years 11,828 12,518 14,247 16,289
61 to 65 Years 13,716 14,135 16,130 18,478
66 to 70 Years 17,620 18,348 21,266 24,558
71 to 75 Years 21,342 22,545 26,297 30,470
76 to 80 Years 24,539 24,892 28,573 32,891
Above 80 Years 27,175 28,287 32,826 37,977
Upto 35 Years 5,563 6,459 7,870 9,016
36 to 40 Years 6,041 6,967 8,476 9,707
41 to 45 Years 6,556 7,530 9,154 10,486
46 to 50 Years 9,066 10,307 12,426 14,210
51 to 55 Years 11,479 12,408 14,452 16,291
56 to 60 Years 14,512 15,806 18,541 20,985
61 to 65 Years 16,799 17,912 21,063 23,874
66 to 70 Years 21,852 23,532 28,037 31,964
71 to 75 Years 26,670 29,071 34,821 39,794
76 to 80 Years 30,213 31,842 37,651 42,820
Above 80 Years 33,829 36,438 43,473 49,622

Floater 1 Adult and 2 Children One Year Premium Rates
Base Cover
Upto 35 Years 5,113 6,372 7,819 9,186
36 to 40 Years 5,371 6,702 8,232 9,680
41 to 45 Years 5,653 7,069 8,695 10,235
46 to 50 Years 6,973 8,785 10,858 12,832
51 to 55 Years 7,858 9,804 12,027 14,148
56 to 60 Years 9,573 12,026 14,821 17,498
61 to 65 Years 10,631 13,393 16,539 19,555
66 to 70 Years 13,706 17,358 21,509 25,502
71 to 75 Years 16,680 21,182 26,291 31,215
76 to 80 Years 17,638 22,408 27,819 33,038
Above 80 Years 20,273 25,803 32,072 38,124
Upto 35 Years 6,674 8,284 10,316 11,917
36 to 40 Years 7,026 8,729 10,880 12,576
41 to 45 Years 7,417 9,230 11,518 13,322
46 to 50 Years 9,248 11,572 14,498 16,813
51 to 55 Years 10,305 12,802 15,942 18,430
56 to 60 Years 12,674 15,825 19,783 22,925
61 to 65 Years 14,132 17,681 22,140 25,681
66 to 70 Years 18,355 23,054 28,948 33,639
71 to 75 Years 22,425 28,220 35,483 41,269
76 to 80 Years 23,729 29,870 37,565 43,697
Above 80 Years 27,344 34,466 43,386 50,499
Upto 35 Years 5,926 6,778 8,090 9,403
36 to 40 Years 6,308 7,171 8,544 9,930
41 to 45 Years 6,715 7,600 9,049 10,518
46 to 50 Years 8,712 9,752 11,502 13,348
51 to 55 Years 10,953 11,642 13,252 15,128
56 to 60 Years 13,332 14,238 16,295 18,677
61 to 65 Years 15,220 15,853 18,179 20,867
66 to 70 Years 19,125 20,067 23,315 26,947
71 to 75 Years 22,846 24,265 28,346 32,859
76 to 80 Years 26,045 26,611 30,621 35,280
Above 80 Years 28,680 30,006 34,874 40,366
Upto 35 Years 7,487 8,690 10,587 12,134
36 to 40 Years 7,963 9,198 11,192 12,826
41 to 45 Years 8,479 9,761 11,872 13,605
46 to 50 Years 10,987 12,539 15,142 17,329
51 to 55 Years 13,400 14,640 17,167 19,410
56 to 60 Years 16,433 18,037 21,257 24,104
61 to 65 Years 18,721 20,141 23,780 26,993
66 to 70 Years 23,774 25,763 30,754 35,084
71 to 75 Years 28,591 31,303 37,538 42,913
76 to 80 Years 32,136 34,073 40,367 45,939
Above 80 Years 35,751 38,669 46,188 52,741

Base Cover
Upto 35 Years 6,412 7,997 9,813 11,539
36 to 40 Years 6,669 8,328 10,227 12,033
41 to 45 Years 6,951 8,695 10,689 12,588
46 to 50 Years 8,272 10,411 12,852 15,185
51 to 55 Years 9,157 11,429 14,021 16,501
56 to 60 Years 10,872 13,652 16,816 19,851
61 to 65 Years 11,930 15,019 18,533 21,908
66 to 70 Years 15,005 18,984 23,503 27,855
71 to 75 Years 17,979 22,807 28,285 33,568
76 to 80 Years 18,936 24,033 29,814 35,391
Above 80 Years 21,572 27,428 34,067 40,477
Upto 35 Years 8,394 10,425 12,985 15,008
36 to 40 Years 8,746 10,872 13,550 15,667
41 to 45 Years 9,137 11,373 14,186 16,413
46 to 50 Years 10,969 13,714 17,167 19,904
51 to 55 Years 12,026 14,943 18,611 21,521
56 to 60 Years 14,395 17,967 22,452 26,016
61 to 65 Years 15,852 19,824 24,809 28,772
66 to 70 Years 20,076 25,196 31,617 36,729
71 to 75 Years 24,146 30,361 38,152 44,360
76 to 80 Years 25,449 32,011 40,235 46,788
Above 80 Years 29,065 36,607 46,056 53,590
Upto 35 Years 7,444 8,513 10,157 11,814
36 to 40 Years 7,826 8,906 10,613 12,341
41 to 45 Years 8,232 9,336 11,116 12,930
46 to 50 Years 10,231 11,487 13,570 15,759
51 to 55 Years 12,472 13,377 15,320 17,540
56 to 60 Years 14,851 15,973 18,364 21,089
61 to 65 Years 16,739 17,589 20,247 23,279
66 to 70 Years 20,644 21,803 25,383 29,359
71 to 75 Years 24,365 26,000 30,414 35,271
76 to 80 Years 27,562 28,346 32,689 37,691
Above 80 Years 30,198 31,741 36,942 42,777
Upto 35 Years 9,426 10,941 13,329 15,283
36 to 40 Years 9,903 11,450 13,936 15,975
41 to 45 Years 10,418 12,014 14,613 16,755
46 to 50 Years 12,928 14,790 17,885 20,478
51 to 55 Years 15,341 16,891 19,910 22,560
56 to 60 Years 18,374 20,288 24,000 27,254
61 to 65 Years 20,661 22,394 26,523 30,143
66 to 70 Years 25,715 28,015 33,497 38,233
71 to 75 Years 30,532 33,554 40,281 46,063
76 to 80 Years 34,075 36,324 43,110 49,088
Above 80 Years 37,691 40,920 48,931 55,890

Individual One Year Premium Rates
Base Cover
Premium Inclusive of Service Tax of 12.36%
Upto 35 Years 2,240 2,827 3,507 4,303 5,035
36 to 40 Years 2,463 3,116 3,878 4,767 5,589
41 to 45 Years 2,703 3,433 4,290 5,288 6,212
46 to 50 Years 3,828 4,917 6,218 7,718 9,131
51 to 55 Years 4,701 5,911 7,363 9,031 10,609
56 to 60 Years 6,170 7,838 9,860 12,171 14,373
61 to 65 Years 7,078 9,027 11,396 14,101 16,684
66 to 70 Years 9,726 12,482 15,851 19,685 23,366
71 to 75 Years 12,298 15,824 20,147 25,059 29,786
76 to 80 Years 13,132 16,899 21,525 26,775 31,834
Above 80 Years 15,405 19,861 25,339 31,554 37,548
Upto 35 Years 2,744 3,633 4,494 5,592 6,445
36 to 40 Years 3,033 4,028 4,994 6,226 7,184
41 to 45 Years 3,349 4,467 5,557 6,943 8,023
46 to 50 Years 4,834 6,526 8,189 10,291 11,946
51 to 55 Years 5,827 7,714 9,571 11,915 13,763
56 to 60 Years 7,755 10,375 12,967 16,229 18,812
61 to 65 Years 8,944 12,012 15,053 18,879 21,909
66 to 70 Years 12,399 16,758 21,089 26,528 30,851
71 to 75 Years 15,741 21,332 26,894 33,871 39,424
76 to 80 Years 16,817 22,796 28,747 36,209 42,153
Above 80 Years 19,779 26,859 33,911 42,751 49,795
Upto 35 Years - 3,246 3,717 4,443 5,147
36 to 40 Years - 3,675 4,157 4,954 5,738
41 to 45 Years - 4,131 4,639 5,520 6,399
46 to 50 Years - 6,378 7,057 8,278 9,579
51 to 55 Years - 8,896 9,181 10,244 11,579
56 to 60 Years - 11,569 12,098 13,663 15,566
61 to 65 Years - 13,690 13,914 15,780 18,027
66 to 70 Years - 18,078 18,648 21,551 24,859
71 to 75 Years - 22,259 23,364 27,203 31,501
76 to 80 Years - 25,852 26,001 29,760 34,221
Above 80 Years - 28,814 29,816 34,538 39,936
Upto 35 Years - 4,052 4,705 5,731 6,557
36 to 40 Years - 4,588 5,274 6,412 7,334
41 to 45 Years - 5,166 5,907 7,175 8,209
46 to 50 Years - 7,987 9,028 10,851 12,393
51 to 55 Years - 10,698 11,389 13,127 14,733
56 to 60 Years - 14,106 15,206 17,721 20,006
61 to 65 Years - 16,675 17,571 20,557 23,252
66 to 70 Years - 22,354 23,887 28,393 32,343
71 to 75 Years - 27,766 30,111 36,016 41,139
76 to 80 Years - 31,748 33,224 39,193 44,541
Above 80 Years - 35,811 38,388 45,735 52,182

Floater 2 Adults One Year Premium Rates
Base Cover
Upto 35 Years 4,505 5,619 6,907 8,114
36 to 40 Years 4,990 6,246 7,691 9,052
41 to 45 Years 5,526 6,943 8,570 10,107
46 to 50 Years 7,852 9,970 12,388 14,692
51 to 55 Years 9,691 12,057 14,755 17,332
56 to 60 Years 12,794 16,115 19,882 23,498
61 to 65 Years 14,743 18,642 23,060 27,307
66 to 70 Years 20,423 25,982 32,270 38,335
71 to 75 Years 25,889 33,035 41,107 48,905
76 to 80 Years 27,650 35,297 43,932 52,277
Above 80 Years 32,495 41,560 51,791 61,686
Upto 35 Years 5,869 7,290 9,090 10,502
36 to 40 Years 6,531 8,136 10,161 11,754
41 to 45 Years 7,274 9,088 11,372 13,172
46 to 50 Years 10,501 13,218 16,633 19,336
51 to 55 Years 12,658 15,697 19,511 22,535
56 to 60 Years 16,945 21,217 26,557 30,807
61 to 65 Years 19,627 24,646 30,916 35,910
66 to 70 Years 27,419 34,583 43,523 50,656
71 to 75 Years 34,899 44,111 55,599 64,773
76 to 80 Years 37,297 47,155 59,447 69,265
Above 80 Years 43,943 55,634 70,206 81,849
Upto 35 Years 5,215 5,974 7,144 8,303
36 to 40 Years 5,936 6,719 8,007 9,305
41 to 45 Years 6,708 7,535 8,964 10,423
46 to 50 Years 10,257 11,353 13,310 15,430
51 to 55 Years 14,606 15,055 16,755 18,932
56 to 60 Years 18,897 19,789 22,336 25,463
61 to 65 Years 22,371 22,775 25,820 29,518
66 to 70 Years 29,577 30,575 35,337 40,791
71 to 75 Years 36,416 38,317 44,634 51,729
76 to 80 Years 42,296 42,645 48,840 56,207
Above 80 Years 47,141 48,908 56,699 65,616
Upto 35 Years 6,579 7,645 9,327 10,692
36 to 40 Years 7,478 8,609 10,476 12,007
41 to 45 Years 8,456 9,680 11,766 13,488
46 to 50 Years 12,907 14,601 17,555 20,074
51 to 55 Years 17,573 18,694 21,511 24,135
56 to 60 Years 23,047 24,891 29,011 32,772
61 to 65 Years 27,255 28,780 33,677 38,122
66 to 70 Years 36,573 39,177 46,590 53,113
71 to 75 Years 45,426 49,393 59,126 67,598
76 to 80 Years 51,943 54,504 64,355 73,196
Above 80 Years 58,589 62,982 75,114 85,779

Floater 2 Adults and 1 Child One Year Premium Rates
Base Cover
Upto 35 Years 5,976 7,462 9,169 10,782
36 to 40 Years 6,462 8,089 9,953 11,719
41 to 45 Years 6,998 8,785 10,832 12,775
46 to 50 Years 9,324 11,812 14,649 17,361
51 to 55 Years 11,163 13,900 17,017 20,000
56 to 60 Years 14,265 17,957 22,144 26,166
61 to 65 Years 16,215 20,484 25,320 29,975
66 to 70 Years 21,894 27,825 34,532 41,004
71 to 75 Years 27,361 34,878 43,369 51,572
76 to 80 Years 29,121 37,139 46,193 54,945
Above 80 Years 33,966 43,402 54,053 64,354
Upto 35 Years 7,819 9,719 12,118 14,008
36 to 40 Years 8,482 10,565 13,189 15,258
41 to 45 Years 9,225 11,516 14,400 16,679
46 to 50 Years 12,452 15,647 19,661 22,843
51 to 55 Years 14,609 18,126 22,538 26,041
56 to 60 Years 18,894 23,645 29,584 34,314
61 to 65 Years 21,578 27,075 33,943 39,416
66 to 70 Years 29,370 37,011 46,551 54,163
71 to 75 Years 36,850 46,541 58,627 68,279
76 to 80 Years 39,247 49,584 62,476 72,772
Above 80 Years 45,893 58,062 73,233 85,355
Upto 35 Years 6,936 7,942 9,489 11,038
36 to 40 Years 7,657 8,687 10,352 12,038
41 to 45 Years 8,429 9,502 11,309 13,157
46 to 50 Years 11,979 13,320 15,655 18,165
51 to 55 Years 16,327 17,023 19,100 21,666
56 to 60 Years 20,617 21,756 24,681 28,198
61 to 65 Years 24,092 24,743 28,164 32,253
66 to 70 Years 31,298 32,543 37,682 43,527
71 to 75 Years 38,137 40,284 46,979 54,464
76 to 80 Years 44,017 44,613 51,184 58,942
Above 80 Years 48,862 50,875 59,044 68,351
Upto 35 Years 8,779 10,199 12,438 14,264
36 to 40 Years 9,678 11,163 13,588 15,578
41 to 45 Years 10,656 12,233 14,878 17,061
46 to 50 Years 15,107 17,155 20,666 23,647
51 to 55 Years 19,773 21,248 24,621 27,707
56 to 60 Years 25,246 27,444 32,121 36,345
61 to 65 Years 29,455 31,334 36,787 41,693
66 to 70 Years 38,773 41,729 49,701 56,687
71 to 75 Years 47,626 51,947 62,237 71,171
76 to 80 Years 54,143 57,058 67,467 76,769
Above 80 Years 60,789 65,535 78,224 89,352

Floater 2 Adults and 2 Children One Year Premium Rates
Base Cover
Upto 35 Years 7,423 9,272 11,389 13,401
36 to 40 Years 7,909 9,899 12,173 14,338
41 to 45 Years 8,444 10,596 13,052 15,394
46 to 50 Years 10,770 13,623 16,870 19,980
51 to 55 Years 12,610 15,710 19,237 22,619
56 to 60 Years 15,712 19,767 24,364 28,786
61 to 65 Years 17,661 22,294 27,542 32,595
66 to 70 Years 23,341 29,635 36,752 43,623
71 to 75 Years 28,808 36,688 45,589 54,191
76 to 80 Years 30,569 38,950 48,414 57,564
Above 80 Years 35,413 45,213 56,273 66,973
Upto 35 Years 9,734 12,105 15,089 17,448
36 to 40 Years 10,398 12,949 16,160 18,699
41 to 45 Years 11,140 13,901 17,370 20,118
46 to 50 Years 14,366 18,032 22,630 26,282
51 to 55 Years 16,526 20,510 25,509 29,480
56 to 60 Years 20,810 26,030 32,555 37,753
61 to 65 Years 23,493 29,460 36,915 42,856
66 to 70 Years 31,284 39,397 49,522 57,602
71 to 75 Years 38,766 48,925 61,598 71,718
76 to 80 Years 41,163 51,969 65,445 76,212
Above 80 Years 47,809 60,447 76,204 88,795
Upto 35 Years 8,626 9,874 11,790 13,723
36 to 40 Years 9,348 10,619 12,653 14,723
41 to 45 Years 10,119 11,434 13,611 15,842
46 to 50 Years 13,670 15,253 17,957 20,850
51 to 55 Years 18,018 18,955 21,401 24,351
56 to 60 Years 22,309 23,689 26,982 30,882
61 to 65 Years 25,782 26,675 30,466 34,937
66 to 70 Years 32,988 34,474 39,983 46,211
71 to 75 Years 39,828 42,217 49,281 57,147
76 to 80 Years 45,709 46,545 53,486 61,626
Above 80 Years 50,553 52,808 61,345 71,035
Upto 35 Years 10,937 12,707 15,490 17,770
36 to 40 Years 11,837 13,670 16,639 19,083
41 to 45 Years 12,816 14,739 17,929 20,565
46 to 50 Years 17,266 19,662 23,718 27,152
51 to 55 Years 21,934 23,755 27,673 31,211
56 to 60 Years 27,407 29,952 35,173 39,850
61 to 65 Years 31,615 33,841 39,839 45,199
66 to 70 Years 40,932 44,236 52,753 60,191
71 to 75 Years 49,787 54,454 65,290 74,674
76 to 80 Years 56,304 59,564 70,517 80,273
Above 80 Years 62,950 68,043 81,276 92,857

Floater 1 Adult and 1 Child One Year Premium Rates
Base Cover
Upto 35 Years 4,298 5,349 6,565 7,703
36 to 40 Years 4,588 5,720 7,029 8,257
41 to 45 Years 4,905 6,133 7,548 8,881
46 to 50 Years 6,389 8,061 9,980 11,799
51 to 55 Years 7,383 9,206 11,293 13,278
56 to 60 Years 9,310 11,702 14,433 17,042
61 to 65 Years 10,499 13,239 16,362 19,353
66 to 70 Years 13,953 17,693 21,946 26,035
71 to 75 Years 17,296 21,990 27,319 32,454
76 to 80 Years 18,371 23,368 29,037 34,502
Above 80 Years 21,333 27,182 33,816 40,217
Upto 35 Years 5,582 6,922 8,620 9,952
36 to 40 Years 5,979 7,424 9,254 10,691
41 to 45 Years 6,418 7,987 9,970 11,529
46 to 50 Years 8,476 10,617 13,319 15,452
51 to 55 Years 9,664 11,999 14,943 17,269
56 to 60 Years 12,326 15,397 19,257 22,318
61 to 65 Years 13,963 17,483 21,905 25,416
66 to 70 Years 18,708 23,518 29,554 34,356
71 to 75 Years 23,282 29,323 36,897 42,931
76 to 80 Years 24,746 31,177 39,237 45,659
Above 80 Years 28,809 36,341 45,779 53,301
Upto 35 Years 4,966 5,684 6,788 7,882
36 to 40 Years 5,397 6,125 7,299 8,473
41 to 45 Years 5,853 6,607 7,864 9,134
46 to 50 Years 8,099 9,025 10,623 12,314
51 to 55 Years 10,617 11,148 12,589 14,314
56 to 60 Years 13,290 14,065 16,008 18,302
61 to 65 Years 15,411 15,882 18,124 20,762
66 to 70 Years 19,798 20,616 23,894 27,593
71 to 75 Years 23,980 25,332 29,547 34,236
76 to 80 Years 27,572 27,969 32,105 36,956
Above 80 Years 30,534 31,783 36,883 42,671
Upto 35 Years 6,251 7,257 8,843 10,130
36 to 40 Years 6,788 7,828 9,524 10,907
41 to 45 Years 7,366 8,461 10,285 11,782
46 to 50 Years 10,187 11,581 13,962 15,966
51 to 55 Years 12,898 13,942 16,238 18,305
56 to 60 Years 16,306 17,760 20,833 23,579
61 to 65 Years 18,875 20,126 23,666 26,825
66 to 70 Years 24,553 26,441 31,502 35,915
71 to 75 Years 29,966 32,664 39,125 44,713
76 to 80 Years 33,947 35,778 42,305 48,113
Above 80 Years 38,010 40,942 48,846 55,755

Base Cover
Upto 35 Years 5,745 7,160 8,785 10,321
36 to 40 Years 6,035 7,530 9,249 10,876
41 to 45 Years 6,352 7,943 9,770 11,500
46 to 50 Years 7,835 9,871 12,200 14,418
51 to 55 Years 8,829 11,016 13,514 15,897
56 to 60 Years 10,756 13,512 16,653 19,661
61 to 65 Years 11,945 15,048 18,583 21,972
66 to 70 Years 15,400 19,503 24,168 28,654
71 to 75 Years 18,742 23,800 29,541 35,073
76 to 80 Years 19,818 25,178 31,257 37,121
Above 80 Years 22,779 28,992 36,036 42,836
Upto 35 Years 7,499 9,308 11,591 13,390
36 to 40 Years 7,894 9,808 12,225 14,130
41 to 45 Years 8,334 10,371 12,942 14,969
46 to 50 Years 10,391 13,002 16,290 18,891
51 to 55 Years 11,579 14,384 17,912 20,708
56 to 60 Years 14,241 17,781 22,228 25,759
61 to 65 Years 15,879 19,866 24,877 28,855
66 to 70 Years 20,624 25,903 32,526 37,797
71 to 75 Years 25,197 31,708 39,869 46,370
76 to 80 Years 26,662 33,562 42,208 49,098
Above 80 Years 30,724 38,726 48,749 56,741
Upto 35 Years 6,658 7,616 9,090 10,565
36 to 40 Years 7,088 8,057 9,600 11,157
41 to 45 Years 7,545 8,539 10,167 11,818
46 to 50 Years 9,789 10,957 12,924 14,998
51 to 55 Years 12,307 13,081 14,890 16,998
56 to 60 Years 14,980 15,998 18,309 20,985
61 to 65 Years 17,101 17,812 20,426 23,446
66 to 70 Years 21,489 22,547 26,197 30,278
71 to 75 Years 25,670 27,264 31,850 36,920
76 to 80 Years 29,264 29,900 34,406 39,641
Above 80 Years 32,225 33,715 39,184 45,355
Upto 35 Years 8,412 9,764 11,896 13,634
36 to 40 Years 8,947 10,335 12,575 14,411
41 to 45 Years 9,527 10,967 13,339 15,287
46 to 50 Years 12,345 14,089 17,014 19,471
51 to 55 Years 15,056 16,450 19,289 21,809
56 to 60 Years 18,464 20,266 23,884 27,083
61 to 65 Years 21,035 22,630 26,719 30,329
66 to 70 Years 26,712 28,947 34,555 39,420
71 to 75 Years 32,125 35,172 42,178 48,217
76 to 80 Years 36,108 38,284 45,356 51,617
Above 80 Years 40,170 43,448 51,897 59,260

Base Cover
Upto 35 Years 7,205 8,985 11,026 12,965
36 to 40 Years 7,493 9,357 11,491 13,520
41 to 45 Years 7,810 9,770 12,010 14,144
46 to 50 Years 9,294 11,698 14,441 17,062
51 to 55 Years 10,289 12,842 15,754 18,541
56 to 60 Years 12,216 15,339 18,894 22,305
61 to 65 Years 13,405 16,875 20,824 24,616
66 to 70 Years 16,860 21,330 26,408 31,298
71 to 75 Years 20,201 25,626 31,781 37,717
76 to 80 Years 21,276 27,003 33,499 39,765
Above 80 Years 24,238 30,818 38,278 45,480
Upto 35 Years 9,431 11,714 14,590 16,863
36 to 40 Years 9,827 12,216 15,225 17,603
41 to 45 Years 10,266 12,779 15,939 18,442
46 to 50 Years 12,325 15,409 19,289 22,364
51 to 55 Years 13,512 16,790 20,911 24,181
56 to 60 Years 16,174 20,188 25,227 29,232
61 to 65 Years 17,811 22,274 27,875 32,328
66 to 70 Years 22,557 28,310 35,525 41,269
71 to 75 Years 27,130 34,114 42,868 49,843
76 to 80 Years 28,594 35,968 45,208 52,571
Above 80 Years 32,657 41,132 51,749 60,214
Upto 35 Years 8,364 9,565 11,412 13,274
36 to 40 Years 8,793 10,007 11,925 13,866
41 to 45 Years 9,249 10,490 12,490 14,528
46 to 50 Years 11,496 12,907 15,247 17,707
51 to 55 Years 14,014 15,030 17,214 19,708
56 to 60 Years 16,687 17,947 20,634 23,696
61 to 65 Years 18,808 19,763 22,750 26,156
66 to 70 Years 23,196 24,498 28,520 32,988
71 to 75 Years 27,377 29,214 34,173 39,630
76 to 80 Years 30,969 31,850 36,729 42,350
Above 80 Years 33,930 35,664 41,508 48,064
Upto 35 Years 10,591 12,293 14,976 17,172
36 to 40 Years 11,127 12,865 15,658 17,950
41 to 45 Years 11,706 13,499 16,419 18,826
46 to 50 Years 14,526 16,618 20,096 23,009
51 to 55 Years 17,237 18,979 22,371 25,348
56 to 60 Years 20,645 22,796 26,966 30,623
61 to 65 Years 23,215 25,162 29,801 33,869
66 to 70 Years 28,893 31,478 37,637 42,959
71 to 75 Years 34,306 37,701 45,260 51,756
76 to 80 Years 38,287 40,814 48,438 55,155
Above 80 Years 42,350 45,978 54,979 62,798

Individual Two Year Premium Rates
Base Cover
Upto 35 Years 3,789 4,780 5,930 7,277 8,514
36 to 40 Years 4,165 5,269 6,557 8,062 9,451
41 to 45 Years 4,571 5,805 7,254 8,941 10,505
46 to 50 Years 6,473 8,314 10,515 13,051 15,441
51 to 55 Years 7,950 9,996 12,451 15,272 17,940
56 to 60 Years 10,433 13,254 16,673 20,581 24,305
61 to 65 Years 11,968 15,265 19,270 23,845 28,213
66 to 70 Years 16,446 21,107 26,803 33,288 39,512
71 to 75 Years 20,796 26,758 34,069 42,374 50,367
76 to 80 Years 22,205 28,576 36,398 45,277 53,831
Above 80 Years 26,049 33,584 42,849 53,358 63,494
Upto 35 Years 4,640 6,143 7,600 9,456 10,898
36 to 40 Years 5,128 6,812 8,446 10,528 12,149
41 to 45 Years 5,664 7,554 9,397 11,740 13,566
46 to 50 Years 8,174 11,035 13,847 17,402 20,201
51 to 55 Years 9,853 13,044 16,184 20,148 23,273
56 to 60 Years 13,114 17,545 21,928 27,444 31,812
61 to 65 Years 15,124 20,313 25,454 31,924 37,048
66 to 70 Years 20,967 28,339 35,661 44,859 52,168
71 to 75 Years 26,617 36,072 45,478 57,276 66,665
76 to 80 Years 28,437 38,547 48,612 61,229 71,280
Above 80 Years 33,446 45,418 57,344 72,291 84,202
Upto 35 Years 5,489 6,285 7,513 8,704
36 to 40 Years 6,215 7,030 8,377 9,703
41 to 45 Years 6,986 7,845 9,335 10,821
46 to 50 Years 10,784 11,934 13,997 16,198
51 to 55 Years 15,042 15,525 17,322 19,580
56 to 60 Years 19,562 20,457 23,104 26,323
61 to 65 Years 23,150 23,528 26,684 30,484
66 to 70 Years 30,569 31,534 36,442 42,036
71 to 75 Years 37,639 39,509 46,001 53,268
76 to 80 Years 43,715 43,968 50,323 57,868
Above 80 Years 48,724 50,418 58,404 67,532
Upto 35 Years 6,851 7,955 9,692 11,088
36 to 40 Years 7,758 8,919 10,843 12,401
41 to 45 Years 8,736 9,988 12,133 13,881
46 to 50 Years 13,505 15,267 18,348 20,957
51 to 55 Years 18,090 19,258 22,198 24,913
56 to 60 Years 23,853 25,713 29,967 33,830
61 to 65 Years 28,198 29,712 34,762 39,319
66 to 70 Years 37,801 40,392 48,013 54,692
71 to 75 Years 46,953 50,918 60,903 69,567
76 to 80 Years 53,686 56,181 66,276 75,318
Above 80 Years 60,557 64,914 77,338 88,240

Floater 2 Adults Two Year Premium Rates
Base Cover
Upto 35 Years 7,617 9,502 11,679 13,720
36 to 40 Years 8,438 10,562 13,006 15,306
41 to 45 Years 9,344 11,740 14,491 17,091
46 to 50 Years 13,277 16,859 20,948 24,844
51 to 55 Years 16,388 20,389 24,951 29,308
56 to 60 Years 21,635 27,250 33,621 39,735
61 to 65 Years 24,930 31,523 38,994 46,176
66 to 70 Years 34,534 43,936 54,568 64,824
71 to 75 Years 43,778 55,862 69,512 82,698
76 to 80 Years 46,755 59,687 74,288 88,399
Above 80 Years 54,948 70,277 87,579 104,310
Upto 35 Years 9,924 12,327 15,371 17,759
36 to 40 Years 11,045 13,758 17,182 19,876
41 to 45 Years 12,301 15,367 19,230 22,274
46 to 50 Years 17,757 22,352 28,126 32,697
51 to 55 Years 21,405 26,543 32,994 38,106
56 to 60 Years 28,654 35,878 44,908 52,094
61 to 65 Years 33,189 41,677 52,279 60,724
66 to 70 Years 46,366 58,480 73,597 85,660
71 to 75 Years 59,014 74,592 94,018 109,531
76 to 80 Years 63,069 79,739 100,525 117,127
Above 80 Years 74,307 94,077 118,718 138,406
Upto 35 Years 8,818 10,102 12,080 14,041
36 to 40 Years 10,038 11,362 13,539 15,734
41 to 45 Years 11,343 12,741 15,158 17,624
46 to 50 Years 17,345 19,198 22,507 26,093
51 to 55 Years 24,698 25,458 28,333 32,013
56 to 60 Years 31,954 33,463 37,770 43,058
61 to 65 Years 37,829 38,513 43,662 49,915
66 to 70 Years 50,014 51,703 59,755 68,978
71 to 75 Years 61,579 64,794 75,476 87,474
76 to 80 Years 71,522 72,113 82,587 95,046
Above 80 Years 79,715 82,703 95,878 110,956
Upto 35 Years 11,125 12,928 15,772 18,080
36 to 40 Years 12,645 14,558 17,716 20,303
41 to 45 Years 14,299 16,369 19,897 22,808
46 to 50 Years 21,825 24,691 29,686 33,945
51 to 55 Years 29,716 31,612 36,376 40,812
56 to 60 Years 38,973 42,091 49,058 55,417
61 to 65 Years 46,088 48,667 56,947 64,463
66 to 70 Years 61,845 66,247 78,784 89,813
71 to 75 Years 76,815 83,524 99,982 114,308
76 to 80 Years 87,835 92,165 108,824 123,774
Above 80 Years 99,074 106,503 127,017 145,052

Floater 2 Adults and 1 Child Two Year Premium Rates
Base Cover
Upto 35 Years 10,106 12,618 15,504 18,232
36 to 40 Years 10,927 13,678 16,830 19,817
41 to 45 Years 11,833 14,856 18,316 21,603
46 to 50 Years 15,766 19,975 24,772 29,357
51 to 55 Years 18,877 23,505 28,776 33,820
56 to 60 Years 24,122 30,366 37,445 44,247
61 to 65 Years 27,419 34,639 42,817 50,688
66 to 70 Years 37,023 47,052 58,393 69,337
71 to 75 Years 46,267 58,978 73,336 87,208
76 to 80 Years 49,244 62,803 78,113 92,912
Above 80 Years 57,437 73,393 91,403 108,823
Upto 35 Years 13,222 16,435 20,492 23,687
36 to 40 Years 14,343 17,866 22,302 25,802
41 to 45 Years 15,599 19,473 24,350 28,204
46 to 50 Years 21,056 26,459 33,246 38,627
51 to 55 Years 24,704 30,651 38,112 44,034
56 to 60 Years 31,950 39,984 50,027 58,024
61 to 65 Years 36,488 45,784 57,397 66,652
66 to 70 Years 49,664 62,586 78,717 91,590
71 to 75 Years 62,312 78,700 99,138 115,459
76 to 80 Years 66,367 83,847 105,646 123,057
Above 80 Years 77,606 98,183 123,836 144,335
Upto 35 Years 11,729 13,429 16,046 18,666
36 to 40 Years 12,949 14,689 17,505 20,357
41 to 45 Years 14,254 16,068 19,124 22,249
46 to 50 Years 20,256 22,525 26,473 30,717
51 to 55 Years 27,609 28,785 32,298 36,638
56 to 60 Years 34,863 36,790 41,735 47,682
61 to 65 Years 40,740 41,840 47,625 54,540
66 to 70 Years 52,925 55,030 63,720 73,604
71 to 75 Years 64,490 68,121 79,441 92,099
76 to 80 Years 74,433 75,440 86,553 99,670
Above 80 Years 82,625 86,030 99,843 115,581
Upto 35 Years 14,845 17,246 21,033 24,121
36 to 40 Years 16,365 18,877 22,977 26,342
41 to 45 Years 18,020 20,685 25,158 28,850
46 to 50 Years 25,546 29,009 34,947 39,987
51 to 55 Years 33,436 35,931 41,635 46,852
56 to 60 Years 42,691 46,408 54,317 61,459
61 to 65 Years 49,809 52,985 62,206 70,503
66 to 70 Years 65,565 70,564 84,045 95,857
71 to 75 Years 80,535 87,843 105,243 120,350
76 to 80 Years 91,555 96,484 114,086 129,816
Above 80 Years 102,794 110,819 132,276 151,094

Floater 2 Adults and 2 Children Two Year Premium Rates
Base Cover
Upto 35 Years 12,551 15,679 19,258 22,661
36 to 40 Years 13,374 16,739 20,585 24,246
41 to 45 Years 14,279 17,917 22,070 26,032
46 to 50 Years 18,212 23,036 28,527 33,786
51 to 55 Years 21,324 26,566 32,530 38,249
56 to 60 Years 26,570 33,427 41,200 48,676
61 to 65 Years 29,864 37,700 46,573 55,117
66 to 70 Years 39,469 50,113 62,147 73,766
71 to 75 Years 48,714 62,039 77,091 91,637
76 to 80 Years 51,691 65,864 81,867 97,341
Above 80 Years 59,882 76,454 95,158 113,251
Upto 35 Years 16,460 20,469 25,515 29,505
36 to 40 Years 17,583 21,898 27,326 31,620
41 to 45 Years 18,839 23,507 29,372 34,020
46 to 50 Years 24,293 30,491 38,268 44,443
51 to 55 Years 27,945 34,683 43,136 49,850
56 to 60 Years 35,190 44,017 55,051 63,840
61 to 65 Years 39,727 49,816 62,423 72,470
66 to 70 Years 52,902 66,620 83,741 97,405
71 to 75 Years 65,554 82,732 104,162 121,275
76 to 80 Years 69,607 87,879 110,667 128,873
Above 80 Years 80,845 102,216 128,860 150,151
Upto 35 Years 14,586 16,697 19,937 23,205
36 to 40 Years 15,808 17,957 21,396 24,896
41 to 45 Years 17,111 19,334 23,017 26,788
46 to 50 Years 23,115 25,793 30,366 35,256
51 to 55 Years 30,468 32,053 36,189 41,177
56 to 60 Years 37,725 40,058 45,627 52,222
61 to 65 Years 43,597 45,108 51,519 59,079
66 to 70 Years 55,782 58,296 67,612 78,143
71 to 75 Years 67,349 71,389 83,334 96,636
76 to 80 Years 77,294 78,708 90,444 104,209
Above 80 Years 85,485 89,298 103,734 120,120
Upto 35 Years 18,495 21,487 26,193 30,049
36 to 40 Years 20,017 23,115 28,137 32,270
41 to 45 Years 21,671 24,924 30,318 34,776
46 to 50 Years 29,197 33,248 40,107 45,914
51 to 55 Years 37,090 40,170 46,795 52,778
56 to 60 Years 46,345 50,648 59,478 67,385
61 to 65 Years 53,460 57,224 67,368 76,431
66 to 70 Years 69,215 74,803 89,205 101,783
71 to 75 Years 84,189 92,082 110,405 126,274
76 to 80 Years 95,209 100,723 119,244 135,742
Above 80 Years 106,448 115,060 137,437 157,020

Floater 1 Adult and 1 Child Two Year Premium Rates
Base Cover
Upto 35 Years 7,268 9,046 11,102 13,026
36 to 40 Years 7,758 9,673 11,886 13,963
41 to 45 Years 8,294 10,370 12,764 15,018
46 to 50 Years 10,803 13,631 16,876 19,952
51 to 55 Years 12,485 15,567 19,097 22,452
56 to 60 Years 15,743 19,789 24,406 28,817
61 to 65 Years 17,754 22,388 27,668 32,726
66 to 70 Years 23,594 29,919 37,111 44,025
71 to 75 Years 29,247 37,185 46,197 54,880
76 to 80 Years 31,065 39,514 49,102 58,343
Above 80 Years 36,073 45,965 57,182 68,007
Upto 35 Years 9,439 11,706 14,577 16,828
36 to 40 Years 10,110 12,553 15,648 18,079
41 to 45 Years 10,853 13,505 16,859 19,496
46 to 50 Years 14,334 17,953 22,523 26,129
51 to 55 Years 16,342 20,290 25,268 29,201
56 to 60 Years 20,843 26,036 32,564 37,740
61 to 65 Years 23,611 29,564 37,041 42,978
66 to 70 Years 31,635 39,769 49,976 58,096
71 to 75 Years 39,370 49,584 62,392 72,595
76 to 80 Years 41,846 52,719 66,350 77,208
Above 80 Years 48,716 61,452 77,412 90,132
Upto 35 Years 8,398 9,612 11,478 13,329
36 to 40 Years 9,126 10,357 12,342 14,328
41 to 45 Years 9,897 11,172 13,298 15,445
46 to 50 Years 13,695 15,261 17,963 20,822
51 to 55 Years 17,953 18,852 21,288 24,204
56 to 60 Years 22,473 23,784 27,069 30,949
61 to 65 Years 26,060 26,857 30,647 35,108
66 to 70 Years 33,478 34,861 40,405 46,660
71 to 75 Years 40,550 42,836 49,964 57,893
76 to 80 Years 46,624 47,295 54,289 62,493
Above 80 Years 51,633 53,745 62,369 72,156
Upto 35 Years 10,570 12,272 14,953 17,130
36 to 40 Years 11,478 13,237 16,104 18,443
41 to 45 Years 12,456 14,307 17,393 19,923
46 to 50 Years 17,225 19,583 23,609 26,999
51 to 55 Years 21,810 23,575 27,459 30,953
56 to 60 Years 27,573 30,031 35,228 39,872
61 to 65 Years 31,918 34,033 40,020 45,361
66 to 70 Years 41,519 44,711 53,270 60,732
71 to 75 Years 50,673 55,235 66,160 75,609
76 to 80 Years 57,405 60,500 71,537 81,358
Above 80 Years 64,275 69,232 82,599 94,282

Floater 1 Adult and 2 Children Two Year Premium Rates
Base Cover
Upto 35 Years 9,715 12,107 14,856 17,453
36 to 40 Years 10,205 12,734 15,641 18,392
41 to 45 Years 10,741 13,431 16,521 19,447
46 to 50 Years 13,249 16,692 20,630 24,381
51 to 55 Years 14,930 18,628 22,851 26,881
56 to 60 Years 18,189 22,849 28,160 33,246
61 to 65 Years 20,199 25,447 31,424 37,155
66 to 70 Years 26,041 32,980 40,867 48,454
71 to 75 Years 31,692 40,246 49,953 59,309
76 to 80 Years 33,512 42,575 52,856 62,772
Above 80 Years 38,519 49,026 60,937 72,436
Upto 35 Years 12,681 15,740 19,600 22,642
36 to 40 Years 13,349 16,585 20,672 23,894
41 to 45 Years 14,092 17,537 21,884 25,312
46 to 50 Years 17,571 21,987 27,546 31,945
51 to 55 Years 19,580 24,324 30,290 35,017
56 to 60 Years 24,081 30,068 37,588 43,558
61 to 65 Years 26,851 33,594 42,066 48,794
66 to 70 Years 34,875 43,803 55,001 63,914
71 to 75 Years 42,608 53,618 67,418 78,411
76 to 80 Years 45,085 56,753 71,374 83,024
Above 80 Years 51,954 65,485 82,433 95,948
Upto 35 Years 11,259 12,878 15,371 17,866
36 to 40 Years 11,985 13,625 16,234 18,867
41 to 45 Years 12,759 14,440 17,193 19,984
46 to 50 Years 16,553 18,529 21,854 25,361
51 to 55 Years 20,811 22,120 25,179 28,743
56 to 60 Years 25,331 27,052 30,961 35,486
61 to 65 Years 28,918 30,121 34,540 39,647
66 to 70 Years 36,338 38,127 44,299 51,199
71 to 75 Years 43,407 46,104 53,857 62,432
76 to 80 Years 49,486 50,561 58,180 67,032
Above 80 Years 54,492 57,011 66,261 76,695
Upto 35 Years 14,225 16,511 20,115 23,055
36 to 40 Years 15,130 17,476 21,265 24,369
41 to 45 Years 16,110 18,546 22,557 25,850
46 to 50 Years 20,875 23,824 28,770 32,925
51 to 55 Years 25,460 27,816 32,617 36,879
56 to 60 Years 31,223 34,270 40,388 45,798
61 to 65 Years 35,570 38,268 45,182 51,287
66 to 70 Years 45,171 48,950 58,433 66,660
71 to 75 Years 54,323 59,476 71,322 81,535
76 to 80 Years 61,058 64,739 76,697 87,284
Above 80 Years 67,927 73,471 87,757 100,208

Base Cover
Upto 35 Years 12,183 15,194 18,645 21,924
36 to 40 Years 12,671 15,823 19,431 22,863
41 to 45 Years 13,207 16,521 20,309 23,917
46 to 50 Years 15,717 19,781 24,419 28,852
51 to 55 Years 17,398 21,715 26,640 31,352
56 to 60 Years 20,657 25,939 31,950 37,717
61 to 65 Years 22,667 28,536 35,213 41,625
66 to 70 Years 28,510 36,070 44,656 52,925
71 to 75 Years 34,160 43,333 53,742 63,779
76 to 80 Years 35,978 45,663 56,647 67,243
Above 80 Years 40,987 52,113 64,727 76,906
Upto 35 Years 15,949 19,808 24,672 28,515
36 to 40 Years 16,617 20,657 25,745 29,767
41 to 45 Years 17,360 21,609 26,953 31,185
46 to 50 Years 20,841 26,057 32,617 37,818
51 to 55 Years 22,849 28,392 35,361 40,890
56 to 60 Years 27,351 34,137 42,659 49,430
61 to 65 Years 30,119 37,666 47,137 54,667
66 to 70 Years 38,144 47,872 60,072 69,785
71 to 75 Years 45,877 57,686 72,489 84,284
76 to 80 Years 48,353 60,821 76,447 88,897
Above 80 Years 55,224 69,553 87,506 ######
Upto 35 Years 14,144 16,175 19,298 22,447
36 to 40 Years 14,869 16,921 20,165 23,448
41 to 45 Years 15,641 17,738 21,120 24,567
46 to 50 Years 19,439 21,825 25,783 29,942
51 to 55 Years 23,697 25,416 29,108 33,326
56 to 60 Years 28,217 30,349 34,892 40,069
61 to 65 Years 31,804 33,419 38,469 44,230
66 to 70 Years 39,224 41,426 48,228 55,782
71 to 75 Years 46,294 49,400 57,787 67,015
76 to 80 Years 52,368 53,857 62,109 71,613
Above 80 Years 57,376 60,308 70,190 81,276
Upto 35 Years 17,909 20,788 25,325 29,038
36 to 40 Years 18,816 21,755 26,478 30,353
41 to 45 Years 19,794 22,827 27,765 31,835
46 to 50 Years 24,563 28,101 33,982 38,908
51 to 55 Years 29,148 32,093 37,829 42,864
56 to 60 Years 34,911 38,547 45,600 51,783
61 to 65 Years 39,256 42,549 50,394 57,272
66 to 70 Years 48,859 53,229 63,644 72,643
71 to 75 Years 58,011 63,753 76,534 87,520
76 to 80 Years 64,743 69,016 81,909 93,267
Above 80 Years 71,613 77,748 92,969 ######

Individual Two Year Premium Rates
Base Cover
Upto 35 Years 4,257 5,371 6,663 8,176 9,566
36 to 40 Years 4,680 5,920 7,367 9,058 10,619
41 to 45 Years 5,136 6,522 8,151 10,047 11,804
46 to 50 Years 7,273 9,342 11,814 14,664 17,350
51 to 55 Years 8,932 11,231 13,990 17,160 20,157
56 to 60 Years 11,722 14,893 18,733 23,125 27,309
61 to 65 Years 13,447 17,151 21,652 26,792 31,700
66 to 70 Years 18,479 23,716 30,116 37,402 44,396
71 to 75 Years 23,366 30,065 38,280 47,611 56,592
76 to 80 Years 24,950 32,108 40,897 50,873 60,484
Above 80 Years 29,269 37,735 48,145 59,953 71,342
Upto 35 Years 5,213 6,902 8,539 10,625 12,245
36 to 40 Years 5,762 7,653 9,489 11,829 13,650
41 to 45 Years 6,364 8,488 10,559 13,191 15,243
46 to 50 Years 9,184 12,399 15,559 19,553 22,698
51 to 55 Years 11,071 14,656 18,185 22,638 26,150
56 to 60 Years 14,735 19,713 24,638 30,836 35,744
61 to 65 Years 16,993 22,824 28,600 35,870 41,627
66 to 70 Years 23,558 31,841 40,069 50,404 58,616
71 to 75 Years 29,907 40,530 51,100 64,355 74,905
76 to 80 Years 31,952 43,312 54,620 68,797 80,091
Above 80 Years 37,580 51,031 64,432 81,226 94,610
Upto 35 Years - 6,168 7,062 8,441 9,780
36 to 40 Years - 6,983 7,899 9,413 10,903
41 to 45 Years - 7,850 8,815 10,488 12,158
46 to 50 Years - 12,117 13,409 15,727 18,200
51 to 55 Years - 16,902 17,444 19,463 22,000
56 to 60 Years - 21,980 22,986 25,960 29,576
61 to 65 Years - 26,011 26,436 29,982 34,251
66 to 70 Years - 34,347 35,432 40,946 47,231

71 to 75 Years - 42,291 44,392 51,687 59,852
76 to 80 Years - 49,118 49,402 56,543 65,021
Above 80 Years - 54,746 56,650 65,623 75,879
Upto 35 Years - 7,698 8,939 10,890 12,459
36 to 40 Years - 8,717 10,021 12,184 13,934
41 to 45 Years - 9,816 11,223 13,633 15,597
46 to 50 Years - 15,174 17,153 20,616 23,547
51 to 55 Years - 20,326 21,639 24,941 27,992
56 to 60 Years - 26,801 28,891 33,671 38,011
61 to 65 Years - 31,683 33,385 39,059 44,178
66 to 70 Years - 42,473 45,385 53,947 61,451
71 to 75 Years - 52,756 57,212 68,430 78,165
76 to 80 Years - 60,322 63,125 74,467 84,627
Above 80 Years - 68,042 72,937 86,897 99,146

Floater 2 Adults Two Year Premium Rates
Base Cover
Upto 35 Years 8,559 10,676 13,123 15,416
36 to 40 Years 9,481 11,868 14,613 17,198
41 to 45 Years 10,499 13,191 16,282 19,203
46 to 50 Years 14,918 18,942 23,537 27,915
51 to 55 Years 18,413 22,909 28,035 32,930
56 to 60 Years 24,309 30,618 37,776 44,646
61 to 65 Years 28,011 35,419 43,813 51,883
66 to 70 Years 38,803 49,366 61,313 72,836
71 to 75 Years 49,189 62,766 78,103 92,919
76 to 80 Years 52,534 67,064 83,470 99,326
Above 80 Years 61,740 78,963 98,403 117,203
Upto 35 Years 11,150 13,851 17,271 19,954
36 to 40 Years 12,410 15,458 19,305 22,333
41 to 45 Years 13,821 17,267 21,607 25,027
46 to 50 Years 19,952 25,114 31,602 36,738
51 to 55 Years 24,051 29,824 37,071 42,816
56 to 60 Years 32,196 40,312 50,459 58,533
61 to 65 Years 37,291 46,828 58,740 68,229
66 to 70 Years 52,097 65,708 82,693 96,247
71 to 75 Years 66,308 83,812 105,638 123,069
76 to 80 Years 70,864 89,595 112,950 131,604
Above 80 Years 83,491 105,704 133,391 155,512
Upto 35 Years 9,908 11,351 13,573 15,776
36 to 40 Years 11,278 12,766 15,213 17,679
41 to 45 Years 12,745 14,316 17,032 19,803
46 to 50 Years 19,489 21,570 25,289 29,318
51 to 55 Years 27,751 28,605 31,835 35,970
56 to 60 Years 35,904 37,599 42,438 48,380
61 to 65 Years 42,505 43,273 49,059 56,084
66 to 70 Years 56,195 58,093 67,141 77,503

71 to 75 Years 69,190 72,802 84,804 98,286
76 to 80 Years 80,362 81,026 92,795 106,793
Above 80 Years 89,567 92,925 107,728 124,670
Upto 35 Years 12,499 14,525 17,721 20,315
36 to 40 Years 14,207 16,357 19,905 22,813
41 to 45 Years 16,067 18,392 22,356 25,627
46 to 50 Years 24,523 27,742 33,355 38,141
51 to 55 Years 33,389 35,519 40,872 45,856
56 to 60 Years 43,790 47,293 55,122 62,267
61 to 65 Years 51,785 54,682 63,985 72,431
66 to 70 Years 69,489 74,435 88,521 100,914
71 to 75 Years 86,309 93,848 112,340 128,436
76 to 80 Years 98,692 103,557 122,275 139,072
Above 80 Years 111,319 119,666 142,716 162,980

Floater 2 Adults and 1 Child Two Year Premium Rates
Base Cover
Upto 35 Years 11,355 14,177 17,420 20,486
36 to 40 Years 12,277 15,369 18,910 22,266
41 to 45 Years 13,296 16,692 20,580 24,273
46 to 50 Years 17,715 22,444 27,834 32,985
51 to 55 Years 21,210 26,410 32,332 38,000
56 to 60 Years 27,104 34,119 42,073 49,716
61 to 65 Years 30,808 38,920 48,109 56,953
66 to 70 Years 41,599 52,867 65,610 77,907
71 to 75 Years 51,985 66,268 82,401 97,987
76 to 80 Years 55,331 70,565 87,768 104,396
Above 80 Years 64,536 82,465 102,701 122,273
Upto 35 Years 14,856 18,466 23,024 26,615
36 to 40 Years 16,116 20,074 25,059 28,991
41 to 45 Years 17,527 21,880 27,360 31,690
46 to 50 Years 23,658 29,730 37,355 43,401
51 to 55 Years 27,757 34,439 42,823 49,477
56 to 60 Years 35,899 44,926 56,210 65,196
61 to 65 Years 40,997 51,443 64,491 74,890
66 to 70 Years 55,803 70,322 88,446 102,910
71 to 75 Years 70,014 88,427 111,392 129,730
76 to 80 Years 74,570 94,210 118,704 138,267
Above 80 Years 87,198 110,318 139,142 162,175
Upto 35 Years 13,178 15,089 18,029 20,973
36 to 40 Years 14,549 16,504 19,668 22,873
41 to 45 Years 16,016 18,054 21,487 24,999
46 to 50 Years 22,760 25,309 29,745 34,514
51 to 55 Years 31,021 32,343 36,290 41,166
56 to 60 Years 39,172 41,337 46,894 53,576
61 to 65 Years 45,775 47,011 53,512 61,281
66 to 70 Years 59,466 61,831 71,596 82,702

71 to 75 Years 72,461 76,540 89,260 103,482
76 to 80 Years 83,632 84,764 97,251 111,989
Above 80 Years 92,838 96,663 112,184 129,867
Upto 35 Years 16,680 19,378 23,633 27,102
36 to 40 Years 18,387 21,210 25,817 29,597
41 to 45 Years 20,247 23,242 28,267 32,415
46 to 50 Years 28,703 32,595 39,266 44,930
51 to 55 Years 37,569 40,372 46,781 52,643
56 to 60 Years 47,968 52,143 61,031 69,056
61 to 65 Years 55,965 59,534 69,895 79,218
66 to 70 Years 73,669 79,286 94,433 107,705
71 to 75 Years 90,489 98,700 118,251 135,225
76 to 80 Years 102,872 108,409 128,186 145,861
Above 80 Years 115,499 124,517 148,625 169,769

Floater 2 Adults and 2 Children Two Year Premium Rates
Base Cover
Upto 35 Years 14,103 17,617 21,639 25,462
36 to 40 Years 15,027 18,808 23,129 27,243
41 to 45 Years 16,043 20,132 24,798 29,249
46 to 50 Years 20,462 25,883 32,052 37,962
51 to 55 Years 23,959 29,849 36,551 42,976
56 to 60 Years 29,854 37,558 46,292 54,692
61 to 65 Years 33,555 42,359 52,329 61,930
66 to 70 Years 44,347 56,306 69,828 82,883
71 to 75 Years 54,735 69,707 86,619 102,963
76 to 80 Years 58,080 74,004 91,986 109,372
Above 80 Years 67,284 85,904 106,919 127,249
Upto 35 Years 18,494 22,999 28,669 33,152
36 to 40 Years 19,756 24,604 30,703 35,528
41 to 45 Years 21,167 26,412 33,002 38,224
46 to 50 Years 27,296 34,260 42,998 49,936
51 to 55 Years 31,399 38,969 48,467 56,012
56 to 60 Years 39,539 49,458 61,855 71,731
61 to 65 Years 44,637 55,973 70,138 81,427
66 to 70 Years 59,440 74,854 94,091 109,445
71 to 75 Years 73,656 92,957 117,036 136,265
76 to 80 Years 78,210 98,741 124,346 144,802
Above 80 Years 90,837 114,850 144,787 168,710
Upto 35 Years 16,389 18,761 22,401 26,073
36 to 40 Years 17,762 20,176 24,040 27,973
41 to 45 Years 19,226 21,724 25,861 30,099
46 to 50 Years 25,972 28,980 34,119 39,614
51 to 55 Years 34,234 36,015 40,662 46,266
56 to 60 Years 42,387 45,009 51,266 58,676
61 to 65 Years 48,986 50,683 57,886 66,381
66 to 70 Years 62,677 65,501 75,968 87,802

71 to 75 Years 75,674 80,212 93,634 108,580
76 to 80 Years 86,847 88,436 101,623 117,090
Above 80 Years 96,051 100,335 116,556 134,967
Upto 35 Years 20,781 24,143 29,431 33,762
36 to 40 Years 22,491 25,972 31,615 36,258
41 to 45 Years 24,350 28,005 34,066 39,074
46 to 50 Years 32,806 37,358 45,064 51,588
51 to 55 Years 41,674 45,135 52,579 59,302
56 to 60 Years 52,073 56,908 66,829 75,714
61 to 65 Years 60,068 64,297 75,695 85,878
66 to 70 Years 77,770 84,049 100,231 114,363
71 to 75 Years 94,595 103,463 124,051 141,881
76 to 80 Years 106,977 113,172 133,983 152,519
Above 80 Years 119,604 129,282 154,424 176,427

Floater 1 Adult and 1 Child Two Year Premium Rates
Base Cover
Upto 35 Years 8,166 10,164 12,474 14,636
36 to 40 Years 8,717 10,868 13,356 15,689
41 to 45 Years 9,319 11,652 14,342 16,874
46 to 50 Years 12,139 15,315 18,962 22,418
51 to 55 Years 14,028 17,491 21,457 25,227
56 to 60 Years 17,689 22,234 27,422 32,379
61 to 65 Years 19,948 25,155 31,088 36,770
66 to 70 Years 26,510 33,617 41,698 49,466
71 to 75 Years 32,862 41,781 51,906 61,663
76 to 80 Years 34,905 44,398 55,171 65,555
Above 80 Years 40,532 51,646 64,250 76,412
Upto 35 Years 10,606 13,153 16,378 18,908
36 to 40 Years 11,359 14,105 17,583 20,313
41 to 45 Years 12,194 15,174 18,942 21,906
46 to 50 Years 16,105 20,172 25,306 29,358
51 to 55 Years 18,362 22,798 28,391 32,810
56 to 60 Years 23,419 29,254 36,589 42,404
61 to 65 Years 26,530 33,218 41,619 48,290
66 to 70 Years 35,545 44,684 56,153 65,277
71 to 75 Years 44,236 55,713 70,104 81,568
76 to 80 Years 47,018 59,235 74,551 86,751
Above 80 Years 54,737 69,047 86,980 101,273
Upto 35 Years 9,436 10,800 12,897 14,976
36 to 40 Years 10,254 11,637 13,868 16,099
41 to 45 Years 11,120 12,553 14,942 17,354
46 to 50 Years 15,388 17,147 20,183 23,396
51 to 55 Years 20,172 21,182 23,919 27,196
56 to 60 Years 25,251 26,724 30,415 34,774
61 to 65 Years 29,281 30,176 34,435 39,448
66 to 70 Years 37,616 39,170 45,400 52,427

71 to 75 Years 45,562 48,130 56,140 65,049
76 to 80 Years 52,387 53,140 60,999 70,217
Above 80 Years 58,014 60,388 70,078 81,075
Upto 35 Years 11,876 13,789 16,801 19,248
36 to 40 Years 12,897 14,873 18,095 20,723
41 to 45 Years 13,996 16,075 19,542 22,386
46 to 50 Years 19,354 22,004 26,528 30,336
51 to 55 Years 24,506 26,489 30,853 34,779
56 to 60 Years 30,981 33,743 39,582 44,800
61 to 65 Years 35,863 38,239 44,966 50,967
66 to 70 Years 46,651 50,237 59,855 68,238
71 to 75 Years 56,936 62,062 74,337 84,954
76 to 80 Years 64,500 67,978 80,379 91,414
Above 80 Years 72,220 77,789 92,808 105,935

Base Cover
Upto 35 Years 10,915 13,603 16,692 19,611
36 to 40 Years 11,466 14,308 17,574 20,665
41 to 45 Years 12,068 15,091 18,562 21,850
46 to 50 Years 14,886 18,755 23,180 27,394
51 to 55 Years 16,776 20,930 25,676 30,204
56 to 60 Years 20,437 25,674 31,640 37,355
61 to 65 Years 22,695 28,592 35,308 41,747
66 to 70 Years 29,260 37,057 45,918 54,443
71 to 75 Years 35,609 45,220 56,127 66,639
76 to 80 Years 37,654 47,837 59,389 70,531
Above 80 Years 43,280 55,085 68,469 81,389
Upto 35 Years 14,248 17,685 22,023 25,441
36 to 40 Years 14,999 18,635 23,227 26,848
41 to 45 Years 15,834 19,705 24,589 28,440
46 to 50 Years 19,743 24,704 30,951 35,893
51 to 55 Years 22,000 27,330 34,034 39,345
56 to 60 Years 27,057 33,784 42,234 48,941
61 to 65 Years 30,170 37,746 47,265 54,825
66 to 70 Years 39,185 49,217 61,799 71,814
71 to 75 Years 47,874 60,245 75,751 88,103
76 to 80 Years 50,658 63,768 80,195 93,286
Above 80 Years 58,375 73,579 92,622 107,807
Upto 35 Years 12,651 14,470 17,271 20,074
36 to 40 Years 13,467 15,309 18,240 21,199
41 to 45 Years 14,335 16,225 19,318 22,454
46 to 50 Years 18,599 20,819 24,555 28,496
51 to 55 Years 23,383 24,854 28,291 32,296
56 to 60 Years 28,462 30,396 34,787 39,872
61 to 65 Years 32,492 33,844 38,809 44,548
66 to 70 Years 40,829 42,840 49,774 57,528

71 to 75 Years 48,773 51,802 60,514 70,149
76 to 80 Years 55,602 56,810 65,371 75,317
Above 80 Years 61,227 64,058 74,450 86,175
Upto 35 Years 15,984 18,552 22,602 25,904
36 to 40 Years 17,000 19,636 23,893 27,381
41 to 45 Years 18,101 20,838 25,345 29,044
46 to 50 Years 23,455 26,769 32,326 36,995
51 to 55 Years 28,607 31,254 36,649 41,437
56 to 60 Years 35,082 38,506 45,380 51,458
61 to 65 Years 39,966 42,998 50,766 57,626
66 to 70 Years 50,754 55,000 65,655 74,899
71 to 75 Years 61,037 66,827 80,138 91,612
76 to 80 Years 68,605 72,740 86,177 98,072
Above 80 Years 76,323 82,552 98,604 112,594

Base Cover
Upto 35 Years 13,689 17,072 20,949 24,634
36 to 40 Years 14,237 17,779 21,833 25,689
41 to 45 Years 14,839 18,562 22,819 26,873
46 to 50 Years 17,659 22,226 27,437 32,418
51 to 55 Years 19,549 24,399 29,933 35,227
56 to 60 Years 23,210 29,145 35,899 42,379
61 to 65 Years 25,469 32,063 39,565 46,770
66 to 70 Years 32,033 40,528 50,175 59,466
71 to 75 Years 38,382 48,689 60,384 71,662
76 to 80 Years 40,425 51,307 63,648 75,554
Above 80 Years 46,053 58,554 72,728 86,412
Upto 35 Years 17,920 22,256 27,721 32,040
36 to 40 Years 18,671 23,210 28,927 33,447
41 to 45 Years 19,506 24,280 30,285 35,039
46 to 50 Years 23,417 29,277 36,649 42,492
51 to 55 Years 25,674 31,901 39,732 45,944
56 to 60 Years 30,731 38,357 47,931 55,540
61 to 65 Years 33,841 42,321 52,963 61,424
66 to 70 Years 42,859 53,789 67,497 78,411
71 to 75 Years 51,548 64,816 81,448 94,702
76 to 80 Years 54,330 68,338 85,895 99,885
Above 80 Years 62,049 78,150 98,322 114,406
Upto 35 Years 15,892 18,174 21,684 25,221
36 to 40 Years 16,707 19,013 22,657 26,346
41 to 45 Years 17,574 19,931 23,731 27,603
46 to 50 Years 21,842 24,523 28,970 33,643
51 to 55 Years 26,626 28,558 32,706 37,445
56 to 60 Years 31,705 34,100 39,204 45,022
61 to 65 Years 35,735 37,550 43,224 49,697
66 to 70 Years 44,072 46,546 54,189 62,677

71 to 75 Years 52,015 55,506 64,929 75,298
76 to 80 Years 58,840 60,514 69,786 80,464
Above 80 Years 64,468 67,762 78,865 91,322
Upto 35 Years 20,123 23,357 28,455 32,627
36 to 40 Years 21,141 24,444 29,751 34,104
41 to 45 Years 22,241 25,648 31,196 35,769
46 to 50 Years 27,599 31,574 38,182 43,717
51 to 55 Years 32,751 36,060 42,505 48,162
56 to 60 Years 39,226 43,312 51,236 58,183
61 to 65 Years 44,108 47,808 56,622 64,350
66 to 70 Years 54,897 59,808 71,511 81,621
71 to 75 Years 65,181 71,632 85,993 98,337
76 to 80 Years 72,745 77,546 92,033 104,795
Above 80 Years 80,464 87,358 104,460 119,316

L&T Insurance Protects Your Family's Health

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