RATE CARD THERE S A BIG INSURANCE HIDING INSIDE A SMALL ONE.

Transcription

1 RATE CARD THERE S A BIG INSURANCE HIDING INSIDE A SMALL ONE.

2 INDIVIDUAL SUM INSURED SUM INSURED/AGE : SUM INSURED/AGE : ,732 2,183 1,994 1,864 1,717 1,593 1,404 1, ,033 2,425 2,218 2,071 1,912 1,770 1,558 1, ,101 3,605 3,204 2,956 2,637 2,289 1,929 1, ,803 6,042 5,310 4,702 4,354 3,800 3,434 2, ,360 9,210 8,089 7,169 6,431 5,788 5,233 4, ,535 12,119 10,437 9,304 8,142 7,110 6,425 5, ,730 17,535 15,033 12,951 10,921 9,446 8,449 7, ,827 22,568 18,915 15,889 13,381 11,889 10,968 8,962 >70 30,627 28,491 25,128 20,632 16,502 14,662 13,529 11, ,210 2,567 2,348 2,218 2,106 2,006 1,817 1, ,564 2,850 2,608 2,466 2,342 2,230 2,018 1, ,814 4,236 3,770 3,522 3,233 2,891 2,502 2, ,995 7,104 6,236 5,599 5,334 4,797 4,449 4, ,178 10,827 9,505 8,531 7,882 7,304 6,773 6, ,912 14,243 12,272 11,074 9,983 8,968 8,319 7, ,187 20,615 17,671 15,411 13,387 11,924 10,945 9, * 29,181 26,532 22,237 18,910 16,402 15,004 14,207 12,325 >70* 35,996 33,488 29,535 24,556 20,231 18,508 17,523 15, ,646 2,956 2,767 2,685 2,631 2,584 2,425 2, ,047 3,280 3,074 2,985 2,921 2,873 2,690 2, ,469 4,879 4,443 4,266 4,030 3,723 3,334 3, ,080 8,183 7,357 6,779 6,655 6,177 5,930 5, ,836 12,467 11,216 10,331 9,829 9,411 9,033 8, ,072 16,402 14,479 13,411 12,449 11,558 11,092 10, ,338 23,736 20,845 18,662 16,691 15,358 14,591 13, * 33,146 30,544 26,231 22,898 20,455 19,328 18,933 17,370 >70* 40,887 38,557 34,845 29,730 25,228 23,842 23,358 21,429

3 FAMILY FLOATER ( 1 ADULT + 1 CHILD) Age Oldest Member 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C ,549 3,640 3,328 3,103 2,867 2,649 2,336 1, ,611 4,820 4,313 3,994 3,593 3,174 2,708 2, ,313 7,257 6,413 5,741 5,310 4,685 4,213 3, ,877 10,425 9,198 8,207 7,387 6,673 6,012 5, ,051 13,328 11,546 10,343 9,098 7,989 7,204 6, ,246 18,750 16,142 13,983 11,877 10,331 9,228 7, * 26,344 23,783 20,025 16,927 14,337 12,774 11,747 9,617 >70* 32,143 29,701 26,237 21,665 17,458 15,547 14,308 11,712 Age Oldest Member 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C ,345 4,278 3,912 3,693 3,511 3,345 3,027 2, ,596 5,664 5,074 4,755 4,401 4,006 3,511 3, ,776 8,531 7,540 6,832 6,508 5,912 5,458 4, ,965 12,254 10,809 9,765 9,051 8,419 7,782 7, ,694 15,670 13,576 12,307 11,151 10,083 9,328 8, ,969 22,037 18,974 16,644 14,555 13,039 11,953 10, * 30,963 27,954 23,541 20,143 17,570 16,119 15,216 13,228 >70* 37,778 34,910 30,839 25,783 21,399 19,623 18,532 16,107 Age Oldest Member 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C 1A+1C ,071 4,927 4,614 4,472 4,384 4,313 4,036 3, ,493 6,520 5,983 5,753 5,493 5,157 4,679 4, ,104 9,824 8,897 8,272 8,113 7,611 7,275 6, ,859 14,107 12,756 11,824 11,293 10,850 10,378 9, ,095 18,042 16,013 14,903 13,906 12,992 12,437 11, ,367 25,376 22,385 20,154 18,154 16,797 15,936 15, * 35,170 32,190 27,771 24,391 21,913 20,762 20,278 18,644 >70* 42,911 40,197 36,385 31,223 26,692 25,276 24,703 22,697

4 FAMILY FLOATER ( 1 ADULT + 2 CHILD) Age Oldest Member 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C ,458 4,366 3,994 3,729 3,440 3,180 2,808 2, ,525 5,546 4,980 4,614 4,165 3,705 3,180 2, ,228 7,983 7,080 6,360 5,882 5,210 4,679 3, ,785 11,151 9,859 8,826 7,959 7,204 6,478 5, ,960 14,060 12,213 10,962 9,670 8,520 7,670 6, ,155 19,476 16,803 14,608 12,449 10,862 9,700 8, * 27,252 24,509 20,691 17,547 14,909 13,299 12,213 10,012 >70* 33,052 30,426 26,904 22,290 18,036 16,078 14,774 12,101 Age Oldest Member 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C ,413 5,133 4,691 4,437 4,219 4,018 3,634 3, ,670 6,520 5,853 5,493 5,109 4,673 4,118 3, ,844 9,387 8,325 7,570 7,210 6,579 6,059 5, ,033 13,110 11,594 10,502 9,759 9,092 8,390 7, ,762 16,526 14,355 13,045 11,853 10,756 9,936 9, ,043 22,892 19,753 17,381 15,257 13,706 12,561 11, * 32,037 28,810 24,320 20,880 18,272 16,786 15,818 13,771 >70* 38,852 35,766 31,624 26,526 22,107 20,290 19,140 16,650 Age Oldest Member 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C 1A+2C ,287 5,912 5,534 5,369 5,257 5,174 4,844 4, ,708 7,505 6,903 6,649 6,366 6,018 5,487 5, ,319 10,809 9,818 9,169 8,992 8,472 8,077 7, ,075 15,092 13,676 12,720 12,166 11,712 11,186 10, ,311 19,028 16,939 15,794 14,785 13,853 13,246 12, ,577 26,361 23,305 21,045 19,028 17,659 16,744 15, * 36,385 33,176 28,692 25,282 22,792 21,629 21,087 19,405 >70* 44,126 41,182 37,306 32,120 27,571 26,143 25,512 23,464

5 FAMILY FLOATER ( 2 ADULTS) Age Oldest Member 2A 2A 2A 2A 2A 2A 2A 2A ,850 3,882 3,546 3,310 3,056 2,826 2,496 2, ,555 5,770 5,127 4,732 4,219 3,664 3,092 2, ,880 9,670 8,490 7,528 6,962 6,077 5,493 4, ,579 14,738 12,939 11,470 10,290 9,263 8,372 7, ,659 19,387 16,703 14,892 13,027 11,369 10,278 8, ,565 28,055 24,048 20,721 17,470 15,116 13,523 11, * 39,725 36,114 30,267 25,423 21,411 19,022 17,547 14,337 >70* 49,000 45,583 40,203 33,011 26,408 23,464 21,647 17,682 Age Oldest Member 2A 2A 2A 2A 2A 2A 2A 2A ,705 4,561 4,171 3,941 3,747 3,570 3,227 2, ,705 6,779 6,030 5,635 5,174 4,620 4,000 3, ,791 11,369 9,983 8,956 8,537 7,670 7,115 6, ,488 17,322 15,210 13,653 12,614 11,688 10,838 9, ,459 22,792 19,635 17,718 15,971 14,355 13,310 12, ,105 32,981 28,267 24,656 21,417 19,075 17,511 15, * 46,693 42,451 35,577 30,255 26,243 24,001 22,727 19,718 >70* 57,596 53,578 47,259 39,282 32,367 29,612 28,037 24,326 Age Oldest Member 2A 2A 2A 2A 2A 2A 2A 2A ,478 5,251 4,921 4,773 4,673 4,596 4,307 4, ,756 7,806 7,110 6,820 6,449 5,953 5,334 5, ,526 13,086 11,776 10,850 10,644 9,883 9,481 9, ,137 19,948 17,948 16,532 15,729 15,057 14,449 13, ,916 26,237 23,163 21,458 19,918 18,491 17,747 17, ,144 37,972 33,353 29,860 26,709 24,574 23,346 22, * 53,035 48,876 41,973 36,633 32,727 30,922 30,297 27,795 >70* 65,425 61,690 55,755 47,566 40,368 38,144 37,371 34,285

6 FAMILY FLOATER (2 ADULTS + 1 CHILD) Age Oldest Member 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C ,366 5,092 4,655 4,348 4,012 3,711 3,275 2, ,071 6,980 6,236 5,770 5,174 4,549 3,870 3, ,396 10,886 9,599 8,561 7,918 6,962 6,272 5, ,095 15,948 14,048 12,508 11,245 10,148 9,151 7, ,175 20,603 17,812 15,924 13,983 12,254 11,057 9, ,081 29,270 25,158 21,753 18,426 15,995 14,302 12, * 41,241 37,323 31,376 26,456 22,361 19,901 18,325 14,992 >70* 50,516 46,793 41,312 34,043 27,364 24,343 22,426 18,343 Age Oldest Member 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C ,487 5,989 5,475 5,174 4,921 4,685 4,242 3, ,487 8,207 7,334 6,868 6,343 5,735 5,009 4, ,573 12,791 11,287 10,189 9,706 8,785 8,124 7, ,270 18,750 16,514 14,886 13,782 12,803 11,853 10, ,240 24,214 20,939 18,951 17,140 15,470 14,319 13, ,887 34,409 29,571 25,889 22,585 20,190 18,520 16, * 48,474 43,872 36,881 31,488 27,411 25,122 23,736 20,621 >70* 59,378 55,006 48,563 40,515 33,542 30,727 29,046 25,228 Age Oldest Member 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C 2A+1C ,502 6,897 6,461 6,266 6,136 6,036 5,652 5, ,779 9,452 8,649 8,313 7,912 7,393 6,679 6, ,550 14,732 13,316 12,337 12,107 11,316 10,827 10, ,161 21,588 19,482 18,025 17,187 16,496 15,794 15, ,940 27,883 24,703 22,951 21,376 19,924 19,092 18, ,167 39,613 34,887 31,347 28,167 26,007 24,692 23, * 55,059 50,516 43,507 38,126 34,185 32,362 31,642 29,063 >70* 67,449 63,331 57,295 49,059 41,831 39,583 38,716 35,559

7 FAMILY FLOATER (2 ADULTS + 2 CHILD) Age Oldest Member 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C ,275 5,823 5,322 4,968 4,584 4,242 3,741 3, ,980 7,711 6,903 6,390 5,747 5,074 4,337 3, ,305 11,611 10,266 9,186 8,490 7,493 6,738 5, ,004 16,679 14,715 13,128 11,818 10,673 9,617 8, ,084 21,329 18,479 16,544 14,555 12,785 11,523 9, ,990 29,996 25,824 22,373 18,998 16,526 14,768 12, * 42,150 38,055 32,037 27,081 22,939 20,432 18,797 15,387 >70* 51,424 47,525 41,979 34,668 27,937 24,874 22,892 18,733 Age Oldest Member 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C ,555 6,844 6,260 5,912 5,623 5,351 4,844 4, ,561 9,062 8,113 7,605 7,045 6,407 5,617 5, ,641 13,647 12,066 10,927 10,408 9,458 8,732 7, ,337 19,606 17,299 15,623 14,485 13,476 12,455 11, ,308 25,069 21,718 19,688 17,842 16,137 14,927 13, ,955 35,264 30,356 26,627 23,287 20,857 19,128 17, * 49,542 44,728 37,660 32,226 28,114 25,789 24,343 21,163 >70* 60,451 55,861 49,348 41,253 34,244 31,394 29,648 25,771 Age Oldest Member 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C 2A+2C ,717 7,882 7,381 7,157 7,009 6,897 6,461 6, ,995 10,437 9,570 9,210 8,785 8,254 7,487 7, ,765 15,718 14,237 13,234 12,980 12,184 11,635 11, ,376 22,573 20,408 18,915 18,066 17,358 16,603 15, ,155 28,869 25,624 23,842 22,255 20,786 19,895 19, ,383 40,598 35,813 32,244 29,046 26,875 25,500 24, * 56,274 51,501 44,433 39,023 35,064 33,223 32,450 29,830 >70* 68,664 64,316 58,215 49,955 42,704 40,445 39,524 36,320

8 DISCOUNTS a) Family Discount of 10% if 2 or more family members are covered under Optima Super Individual Sum Insured plan. b) An additional discount of 7.5% is offered on premium if you choose a 2 year policy and pay 2 years premium in advance as single premium. Premium after discount Family discount Discount for 2 year policy (i.e.7.5%) Premium for year 2 Premium for year 1 #7.5% Discount on premium if Insured Person is paying premium of 2 years in advance Rs Rs Rs NA Rs /- Case 1: Proposed Insured Age 35 years opts for Optima Super two year policy with Basic Sum Insured of Rs. 10 Lac & deductible of Rs. 5 Lac. Rs /- Rs Rs For A- Rs For B - Rs For A- Rs For B - Rs Case 2: Proposed Insured Mr. A aged 35, Proposed Insured Mrs. B aged 33 years opts for Optima Super two year policy with Basic Sum Insured of Rs. 10 Lac and deductible of Rs. 5 Lac. LOADING We may apply a risk loading on the premium payable (based upon the declarations made in the proposal form and the health status of the persons proposed for insurance). The maximum risk loading applicable for an individual shall not exceed above 100% per diagnosis / medical condition and an overall risk loading of over 150% per person. These loadings are applied from Commencement Date of the policy including subsequent renewal(s) with us or on the receipt of the request of increase in sum insured (for the increased Sum Insured). We will inform you about the applicable risk loading through a counter offer letter. You need to revert to us with consent and additional premium (if any), within 7 days of the issuance of such counter offer letter. In case, you neither accept the counter offer nor revert to us within 15 days, we shall cancel your application and refund the premium paid within next 7 days. Please note that we will issue policy only after getting your consent and additional premium, if any. PLEASE NOTE: 1. Premium rates as per policy terms and conditions are for standard healthy individuals. These may change post underwriting of proposer based on medical test and information provided on Proposal Form. Please visit our nearest branch to refer our underwriting guidelines if required. 2. The Sum Insured of the dependent insured members should be equal to or less than the Sum Insured of the Primary Insured member. Incase where two or more children are covered, the Sum Insured for all the children must be same. The sum insured of all dependant parents must be same. 3. Premium rates are subject to change with prior approval from IRDAI. 4. In a family floater policy, a maximum of 2 adults and a maximum of 2 children can be included in a single policy. The 2 adults can be a combination of Self, Spouse, Father or Mother. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can be a combination of Self, Spouse, Father or Mother. Apollo Munich Health Insurance Co. Ltd. Central Processing Center, 2nd & 3rd Floor, ilabs Centre, Plot No , Udyog Vihar, Phase-III, Gurgaon , Haryana Corp. Office : 1st Floor, SCF -19, Sector - 14, Gurgaon , Haryana. Regd. Office : Apollo Hospitals Complex, /82/J III/DH/900, Jubilee Hills, Hyderabad , Telangana. Toll Free: Tel : Fax : Secured online purchase at: SMS: 'super' to customerservice@apollomunichinsurance.com For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Tax laws are subject to change. IRDAI Reg. No.: CIN: U66030TG2006PLC UIN: IRDA/NL-HLT/AMHI/P-H(C)/V.1/9/13-14 OS/BR/V0.01/ AMHI/MA/H/0002/0079/022012/P