Health Insurance Premium Calculator

You might also like

Download as xls, pdf, or txt
Download as xls, pdf, or txt
You are on page 1of 15

HealthHealth Insurance Premium Calculator

Insurance
PPG SPP HG Individual HG Floater

Extra Care Star Package Hospital Cash Critical Illness

Health Insurance home Page


https://general.bajajallianz.com/Corp/health-insurance/health-insurance.jsp
Silver Health Health Ensure Personal Guard HCS Individual HCS Floater
COMPREHENSIVE CARE PLAN 18-25 years
Fire & Allied Pe
Date: 29-Mar-21
Insured Name Mr. X
Sum Insured 30000000
Occupation Self Employed Policy Period 2 years Co-Applicant Yes
NO
SECTION Premium
Selection Name Sum Insured Age Occupation
Cover A (MANDATORY) Amount

Critical illness Cover & Accident Protection


Applicant 15000000 18-25 years Self Employed 89100
Cover

Co-Applicant
Critical illness Cover & Accident Protection
(If Opted to be Insured under 15000000 18-25 years Self Employed 89100
Cover
the Policy)

Cover B (OPTIONAL) Optional Cover Opted YES


Premium
Cover Sum Insured
Amount
Fire & Allied Perils Cover: Building 30000000 35100
Fire & Allied Perils Cover
Fire & Allied Perils Cover: Contents 7500000 8775
Burglary & Robbery Cover: Contents 7500000 32775
Burglary & Robbery Cover
Burglary & Robbery Cover: Jewellery 1500000 9855
Net Premium 264,705
Service Tax & Education Cess 12.36% 32,718
Final Premium 297,423
Surgical Protection Plan
DOB Add-on Covers Date: 29-Mar-21

Surgical Critical Hospital Personal Good


Age Cash Daily Loading
Sr No Name Relation DD MM YYYY (as on Gender Benefit Plan Illness Accident Health Premium
today) Cover - SI - 1lack Allowance - SI - 5lack % Discount
- Rs 1500/-

1 Self 1 Jan 1949 72 Male 1 Plan 2 - SI 1.5lack Yes Yes Yes Yes 27,078
2 Spouse 0 Plan 1 - SI 1lack 0
3 Child1 0 Plan 1 - SI 1lack 0
4 Child2 0 Plan 1 - SI 1lack 0
5 Child3 0 Plan 1 - SI 1lack 0
6 Child4 0 Plan 1 - SI 1lack 0
7 Parent1 0 Plan 1 - SI 1lack 0
8 Parent2 0 Plan 1 - SI 1lack 0
Premium 27,078
Family Discount 0
Good Health Discount 1,354
No Discount 0
Net Premium 25,724
Total Loading 0
Net Premium Incl Loading 25,724
Service Tax 14.00% 3,601
Gross Premium 29,325
Individual Health Guard

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date: 29-Mar-2021


DOB
Coverage Sum Insured Premium
Relation DD MM YYYY Age Band Additioal Loading
Option (Rs) (Rs)

Self Yes 150,000 1 Jan 1969 46-55 Yrs None 5,028

Spouse No 150,000 1 Jan 1970 46-55 Yrs None 0

Child1 No 150,000 1 Jan 1990 Age Exceeded None #N/A

Child2 Yes 150,000 1 Jan 1990 Age Exceeded None #N/A

Child3 Yes 150,000 1 Jan 1990 31-40 Yrs None 2,532


Deductible Amount
Parent1 Yes 150,000 1 Jan 1950 Age Exceeded None #N/A

Parent2 Yes 150,000 1 Jan 1956 61-65 Yrs None 8,849

Other1 Yes 150,000 1 Jan 1982 31-40 Yrs None 2,532

Other2 Yes 150,000 1 Jan 1986 31-40 Yrs None 2,532

Base Premium #N/A


Eligible for Family Discount #N/A
Voluntary Deductible 250,000
Co-Payment Waiver for Non-Network Hospital 10%
Net Premium #N/A
Service Tax 14.00% #N/A
Final Premium #N/A
PLEASE ENTER DATA IN YELLOW CELLS ONLY Date: 29-Mar-2021
DOB
Sr No Name Relation Age Age Band
DD MMM YYYY
1 Self 1 Jan 1952 69 Age Exceeded
2 Spouse 1 Jan 1995 26 26-40 Yrs
3 Child 1 1 Jan 2007 14 0-25 Yrs
4 Child 2 1 Jan 1991 30 Age Exceeded
5 Child 3 1 Jan 1991 30 Age Exceeded
6 Child 4 1 Jan 1991 30 Age Exceeded
#N/A
Sum Insured 300,000
No of Member Covered 1

Base Premium (Self) #N/A


Co-Payment Waiver for Non-Network Hospital 10%
Voluntary Deductible 10,000
Service Tax 14.00% #N/A
Final Premium #N/A
Extra Care

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date: 29-Mar-2021


Plan Plan A - 1000000/300000
Coverage DOB
Sr No Relation Age Age Band
Option DD MMM YYYY

1 Self Yes 1 Jan 1949 72 Age Exceeded

2 Spouse No

3 Child1 No

4 Child2 No

5 Child3 No

No of Member Covered 1 Member

Base Premium #N/A


Service Tax 14.00% #N/A
Final Premium #N/A
Star Package Policy

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date : 29-Mar-21


Policy Term 1 Yr Select Members No of Section Covered 4
DOB 2 Jan 2003 Age : 18 Self ✘ Spouse ✘ Child ✘ No of Child 1
Section Coverage
Section Section Name Relation Option Sum Insured Premium
Opted Option
0
Self No A
1 Hospital Cash No Spouse Yes Up to 25 Yrs 500
Child1 Yes
0
Self No A
Health Guard No Spouse No 90 Days - 25 150,000
Child1 No
Add-on Coverages
Sr No Coverage Coverage Opted
1 Accommodation to Relative Rs 500/- per day for 10 Days No
2 Organ Transplant expences of Donor upto Rs 100000/- No
2
Accidental Emergency, Reconstruction Surgery (in case of Accident), Physiotherapy,
3 No
Medical evacuation upto Rs 50000/-
4 Burial, Cremation Expenses Rs 25000/- No
Medical Expenses for accidental hospitalization SI under healthguard would double for
5 No
accidental hospitalization and related surgeries
Co-Payment Waiver for Non-Network Hospital 0.0%
Voluntary Deductible 0
0
Self No A
3 Critical Illness No Spouse Yes 6-25 Yrs 100,000
Child1 Yes
1
4 Personal Accident Yes NA Yes A 200,000 375
1
5 Education Grant Yes NA Yes A 200,000 120
1
6 Householders Contents Yes NA Yes A 100,000 400
1 Deductible Amount
7 Traveling Baggage Yes NA Yes D 40,000 800
0
8 Public Liability No NA No A 200,000 0
0 1525.5 0 0.1
Base Premium 1,695
Sectional Discount 170
Long Term Discount 0
Base Premium After Discount 1,526
Service Tax 14.00% 214
Final Premium 1,739
Hospital Cash

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date : 29-Mar-21


Coverage Coverage Per DOB Cover Option Premium
Relation Age Age Band
Option Day (Rs) DD MMM YYYY (In Days) (Rs)
###
Self Yes 500 1 Jan 1952 69 30 Days 0 Select valid Age
###
Spouse Yes 500 1 Jan 1964 57 30 Days 1,200 55-65 Yrs
###
Child1 Yes 500 1 Jan 1994 27 30 Days 0 Select valid Age
###
Child2 Yes 500 1 Jan 1995 26 30 Days 0 Select valid Age
###
Child3 Yes 500 1 Jan 1995 26 30 Days 0 Select valid Age
###
Child4 Yes 500 1 Jan 1995 26 30 Days 0 Select valid Age
###
Base Premium 1,200 ###
Family Discount Yes ###
Service Tax 14.00% 160 ###
Final Premium 1,300 ###
Critical Illness Policy

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date : 29-Mar-21


Coverage Sum Insured DOB Premium
Relation Age Age Band
Option (Rs) DD MMM YYYY (Rs)

Self Yes 1,000,000 1 Jan 1949 72 Select valid Age 0

Spouse Yes 1,000,000 1 Jan 1992 29 26-35 Yrs 3,000

Parent1 Yes 1,000,000 1 Jan 1950 71 Select valid Age 0

Parent2 Yes 1,000,000 1 Jan 1952 69 Select valid Age 0

Child1 Yes 1,000,000 1 Jan 2008 13 06-25 Yrs 2,000

Child2 Yes 1,000,000 1 Jan 2009 12 06-25 Yrs 2,000

Other1 Yes 1,000,000 1 Jan 1991 30 26-35 Yrs 3,000

Other2 Yes 1,000,000 1 Jan 1992 29 26-35 Yrs 3,000

Base Premium 13,000


Service Tax 14.00% 1,820
Final Premium 14,820
Silver Health

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date : 29-Mar-21


Coverage Sum Insured DOB Premium
Relation Age
Option (Rs) DD MMM YYYY (Rs)

Self Yes 200,000 1 Jan 1948 73 Select valid Age

Spouse Yes 150,000 1 Jan 1951 70 13,444

Base Premium 13,444


Family Disocunt Yes
Co-Payment Waiver for Non-Network Hospital 0.0%
Service Tax 14.00% 1,788
Final Premium 14,560
Health Ensure

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date : 29-Mar-21


Plan Opted A - Non Metro Rest of India (Cities Other Than Metros)
DOB
Relation Coverage Option SI Band Age Premium Age Band
DD MMM YYYY
A - Non Metro
Self Yes 50,000 1 Jan 1951 70 #N/A Select Valid Age
A - Non Metro
Spouse Yes 50,000 1 Jan 1956 65 2,438 61-65 Yrs
B - Metro
Child1 No 50,000 0

Child2 No 50,000 1 Jan 1990 31 0 Select Valid Age

Child3 No 50,000 0

Base Premium #N/A A - Non Metro


Family Discount Yes ###
Service Tax 14.00% #N/A ###
Final Premium #N/A
Personal Guard

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date : 29-Mar-21

Relation Coverage Type Coverage Option Sum Insured Risk Clss

Basic No 200,000
Wider Yes 100,000 I
Self Comprehensive No 100,000
Medical Expenses Yes
Hospital Confinement No

Basic No 200,000
Wider No 100,000 I
Spouse Comprehensive No 100,000
Medical Expenses No
Hospital Confinement No

Basic No 100,000
I
Wider No 100,000
Child1
Medical Expenses No
Hospital Confinement No

Basic No 100,000
I
Wider No 100,000
Child2
Medical Expenses No
Hospital Confinement No

Basic No 100,000
I
Wider No 100,000
Child3
Medical Expenses No
Hospital Confinement No

Basic Premium 200


Family Discount No
Service Tax 14.00% 28
Final Premium 228
Premium Personal Guard

PLEASE ENTER DATA IN YELLOW CELLS ONLY Date : 29-Mar-21


Relation Coverage Option Plan Cover Premium

Base ✘ 3,650
Self Yes Plan D
Add on ✘ 1,200

Base ✘ 0
Spouse No -
Add on ✘ 0

Base ✘ 0
Child1 No -
Add on ✘ 0

Base ✘ 0
Child2 No -
Add on ✘ 0

Base ✘ 0
Child3 No -
Add on ✘ 0

Base Premium 4,850


Service Tax 14.00% 679
Final Premium 5,529
Indiv

HEALTH CARE SUPREME - INDIVIDUAL


Indiv
Individual ###
###
Plan : Individual Add-on Covers Date: 29-Mar-21
Member Age Health Care Critical Loading
Sr No Relation D O B. Gender SI Ancillary Expenses Benefit PA Premium
Coverd DD MM YYYY (as on today) Supreme Plan Illness %
1 Self Yes 3 Jan 1972 49 Male Ultimo Plans 40 Lacs ✘ Ultimo-SI Rs 2500/day SI - 10lac 25 Lac 0 57,036
2 Spouse Yes 2 Jan 1977 44 Female Ultimo Plans 40 Lacs ✘ Ultimo-SI Rs 2500/day SI - 10lac 25 Lac 0 47,747
3 Child1 Yes 2 Jan 2009 12 Male Select Plan Select SI Select SI Select SI Select SI 0 0
4 Child2 No 2 Jan 2007 14 Male Select Member Select SI Select SI Select SI Select SI 0 0
5 Child3 No 1 Jan 2013 8 Female Select Member Select SI Select SI Select SI Select SI 0 0
6 Parent1 No 1 Jan 1950 71 Male Select Member Select SI Select SI Select SI Select SI 0 0
7 Parent2 No 1 Jan 1952 69 Female Select Member Select SI Select SI Select SI Select SI 0 0
Premium 104,783
Family Discount 5,239
Add on Cover Discount 5,239
Other Discount 0
Premium After Discount 94,305
Loading Amount 0
Net Premium incl Loading 94,305
Service Tax 14.00% 13,203
Indivi

HEALTH CARE SUPREME - FLOATER


Float
Individual ###
###
Plan : Floater Family Member Combination: 2A+2C Add-on Covers Date: 29-Mar-21
Member Age Health Care Critical Loading
Sr No Relation D O B. SI Ancillary Expenses Benefit PA Premium
Coverd DD MM YYYY (as on today) Supreme Plan Illness %
1 Self Yes 1 Jun 1985 35 Smart Plans 20 Lacs ✘ Smart-SI Rs 2000/day Select SI Select SI 0 0
2 Spouse Yes Smart Plans Select SI ✘ Smart-SI Rs 2000/day Select SI Select SI 0 0
3 Child1 Yes Smart Plans Select SI ✘ Smart-SI Rs 2000/day Select SI Select SI 0 0
4 Child2 Yes Smart Plans Select SI ✘ Smart-SI Rs 2000/day Select SI Select SI 0 0
5 Child3 No Select Member Select SI ✘ Select SI Select SI Select SI 0 0
Premium 53,476
Family Discount 0
Add on Cover Discount 0
Other Discount 0
Premium After Discount 53,476
Loading Amount 0
Net Premium incl Loading 53,476
Eldest Member's Age should be basis of premium
calculation. Service Tax 14.00% 7,487
Gross Premium 60,963

You might also like