D.O.

B 00/00/000
COMPUTATION SHEET OF INCOME TAX
for the Financial Yr 2012-13, Assessment yr 2013-14 ASSESSE MALE
NAME : PAN
ADDRESS : PHONE :
Email id-

1. Gross Annual Income/Salary 0

2. Less: Allowances exempt u/s 10 0

3. Income under the head salaries 0

4. Add: Any other income from other sources 0
1. Interest received from following Investments
a. Bank/Post Office (Saving A/C ) 0
b. Bank FD/REC 0
c. N.S.C. (accrued/ Recd ) 0
c. Post Office M.I.S (6 yrs.) 0
d. Post Office Recurring Deposit (5 yrs.) 0
e. Term Deposit (1 to 5 yrs.) 0
f. Saving Bonds (6yrs.) 0
2. Any Other Income 0
3. Any Other Income 0

5. Income from house property #VALUE!

6. Gross Total Income #VALUE!

7. Less: Deduction under chapter VI A #VALUE!
a1. Less: Deduction under Sec 80CCE 0
1. PF & VPF Contribution 0
2. Life Insurance/ ULIP premiums 0
3. PPF a/c Contribution 0
4. N.S.C (Investment +accrued Int first five year) 0
5. Housing. Loan Principal Repayment/ Regn / Stamp Duty 0
6. Tuition fees for 2 children 0
7. E.L.S.S ( Mutual Fund ) 0
8. FD (5 Years and above) 0
9. Senior Citizen Saving Scheme 0
10. 80CCC - Pension Plan 0
11. 80CCD - New Pension Sheme ( Employee/ Self Employed Contri 0
12. 80CCF -Tax Savings Infrastructure Bonds 0
a2. 80CCD - New Pension Sheme ( Employer Contribution) 0
a3. 80CCG - Rajiv Gandhi Equity Scheme #VALUE!
b 1. 80 D - Medical Insurance premiums (for Self ) 0
b 2. 80 D - Medical Insurance premiums (for Parents) 0 0
c. 80 E - Int Paid on Education Loan 0
d. 80G - Donation to approved fund 0
e. 80TTE- Interest received in Saving Account 0
f. Any other Deduction U/S 80 A-U 0
8. Total Income Trial Version Expired
9. Total Taxable Income (Round off to nearest 10 rupees) Trial Version Expired
10. Tax on Total Income #VALUE!
11. Add; Edn Cess @ 3% Trial Version Expired
12. Total Tax Payable n for personal use,Valid upto 15/08/2013
13. Tax Deduction at Source equire original Version, Kindly subscribe
14. Balance Tax Payable be kindly see the request
 Income Tax Calculator by B.P.Choudhary (Tax Co

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 Income Tax Calculator by B.P.Choudhary (Tax Consulta

INFORMATION and RULES for(Rates,Deductions,Exemption et

brief detail of every rule ( Like a Mini Ready Rec
Latest Version 7.1 for the Financial year 2012- 13, ASSESSMENT YE
This Tax Calculator will help. you to calculate the estimated tax payable. If you find any inconsisten
please let me know, I will try to fix it at the earliest Please send a detailed e-mail at bpchoudhary@
REGARD - B.P.CHOUDHARY, 1577 SECTOR - 5, R.K.PURAM, NEW DELHI-110022 Ph : 9811302
This Calculator is Very Simple & Easy to be use by a common Individual to compute the Tax for Salaried/Business or
Easy to understand with all latest rules & regulation and similar as form 16.
You can Calculate your Income Tax in Calculation Sheet & print the Working Sheet.
Once you enter the amount in the white blank cells. Other cells in Calculation & Computation Sheets will calculate data & T
Follow theTax Rules & Informations (where applicable). Following linked ready reaconer is for your reference.
Tax Rates for Financial-Year 2012-13, Assessment Year 2013-2014
Some Exempted Receipts / Special allowances & Perquisite which are not chargable to tax
Some Exempted Income ( to be shown while Return filing)
T A X R U L E S & O T H E R U S E F U L I N F O R M A T I O N S for
HRA exemption
Transport allowance
Reimbursement of Medical bills
u/s(5) LTA is exempt
u/s 24 Exemption for interest on housing loan.
u/s 80CCE & 80CCD Maximum Exemption
Rajiv Gandhi Equity Savings Scheme
u/s 80D Medical Insurance
u/s 80DD Deduction in respect of medical treatment of handicapped dependents
u/s 80DDB Deduction in respect of medical treatment for specified ailments or diseases
u/s 80E Interest repayment on education loan
u/s 80G Donations given for certain charities
u/s 80GG If you are not getting HRA, but living in rented house,
u/s 80U If you have a permanent physical disability
KNOW MORE about DEDUCTION under Section 80-C
Qualifying Investments u/s 80CCE
Provident Fund (PF) & Voluntary Provident Fund (VPF)
Life Insurance Premiums & Unit linked Insurance Plan (ULIP)
Public Provident Fund (PPF):
National Savings Certificate (NSC):
Home Loan Principal Repayment & Stamp Duty and Registration Charges for a home
Tuition fees for 2 children
Equity Linked Savings Scheme (ELSS)
5-Yr bank fixed deposits (FDs) or 5-Yr post office time deposit (POTD)
Pension Funds or Pension Policies
Stamp Duty and Registration Charges for a home:
Infrastructure Bonds: NABARD rural bonds:
Senior Citizen Savings Scheme 2004 (SCSS)
I M P O R T A N T - A D V I S ES
As per finance bill 2011 - TAX RATES For Financial Year 2012-13 & Assesment Year 2013-1
For MALE ASSESSE
Net Income Range Income Tax Rates
Up to Rs.2,00,000 NIL
2,00,001 to Rs. 5,00,000 10% of Total Income (-) Rs.2,00,000
Rs5,00,001 to Rs. 10,00,000 Rs30,000+20% of Total Income(-)Rs. 5,00,000
More than Rs10.00,000 Rs1,30,0,000+30% of Total Income(-)Rs10,00,000
For FEMALE ASSESSE
Net Income Range Income Tax Rates
Up to Rs2,00,000 NIL
Rs200,001 to 5,00,000 10% of Total Income(-) 2,00,000
Rs.5,00,001 to Rs.10,00,000 Rs30,000+20% of Total Income (-) 5,00,000
More than 10.00,000 Rs1,30,,000+30% of Total Income(-)10,00,000
For SENIOR CITIZEN ASSESSE (Above 60 Year ) attaining the age during the year
Net Income Range Income Tax Rates
Up to Rs2,50,000 NIL
Rs2,50,001 to 5,00,000 10% of Total Income(-) Rs.2,50,000
Rs5,00,001 to 10,00,000 Rs25,000+20% of Total Income(-)5,00,000
More than 10.00,000 Rs1,25,000+30% of Total Income(-)10,00,000
For VERY SENIOR CITIZEN ASSESSE (Above 80 Year ) attaining the age during the year
Net Income Range Income Tax Rates
Up to Rs.5,00,000 NIL
Rs5,00,001 to 10,00,000 20% of Total Income (-) Rs.10,00,000
More than 10.00,000 Rs1,00,000+30% of Total Income(-)10,00,000
Education Cess is 2% & Secondary and Higher education Cess is 1% of income tax from all Assesse.

Some Exempted Receipts / Special allowances & Perquisite which are not chargable to tax are
Exempted Receipts - 1. Medical Reimbursement (Max Rs15000/- Per annum) 2. L.T.A (as per Rule)
Special allowances Exempted u/s 10(14)
1. Uniform Allowance (granted to meet the expenditure incurred on purchase or maintenance of uniform t
Duty) 2 Helper Allowance ( granted to meet exependiture incurred on helper for performance of official duty)
3. Academic Allowance (granted for encouraging academic, research & training pursuits) includin
4. Children Education Allowance ( Rs100 P.M. per Child / (Rs300 for Hostel Expenditure) Max of
5. Convayance allowance ( granted to meet the expenditure incurred on convayance, whil
. ( Expenditure incured for covering journey between office and residence is
of official duty. )

Deduction available u/s -16

Entertainment allowance (for Govt Employees) Max Rs5000/-
2. Professional tax - Professional tax paid by employee is deducted. If employee pays the professional tax on behalf of
salary as taxable perquisite and thereafter deduction isvprovided from gross salary
Perquisite not chargable to tax
Free food and beverage ( 1. Food and non-alcoholic beverages provided in working hours in remote area or an offshore instalation
coffee or non-alcoholic beverages and snaks in working hours are tax free perquisites.
3. Meals (Lunch and / or dinner) in office hours is not taxable. If cost to
Some Exempted Income are ( to be shown while Return filing)
 1. Withdrawal / Maturity received from PF,PPF,Insurance Co., Agriculture. (Max up to 5000/- )
2 Long Term Capital Gain From Shares
3 Dividend on shares in companies
4. Interest on Saving Bank & Post Office A/c up to Rs10,000/-
Please Note :
(i) Interest earned from all sources is to be included. All interest (including saving Bank A/C (above Rs10,000) (FD) income is fully t
(II) As per clarification from IT department, all perquisites such as rent-free accommodation, company provided car, free or conces
stock option plan, free club membership, company provided credit card, gift vouchers, meal coupons, hotel stay beyond 15 days, a
T A X R U L E S & O T H E R U S E F U L I N F O R M A T I O N S for
HRA exemption = minimum of (40% (50% for metros) of Basic+DA or HRA or rent paid - 10% of Basic+DA)
Transport allowance is exempt up to ₹800/- per month during the month. ( Expenditure incured for covering journey between office and res

permanent physical
Reimbursement of disability, the exemption
Medical bills ₹1,600/-
are exemptisfor per
self and month family, up to Rs.15,000/- per annum
dependent
u/s(5) LTA is exempt to the tune of economy class Train/ Air /Recognised public Transport fare for the family to any destination in India, by t
claimed twice in a block of 4 calendar years. The current block is from 01.01.2010 to 31.12.2013. For claim, it is must to provide originals tick
u/s 24 There is an Exemption for interest on housing loan.(for Self occupied Residence). If the loan was taken before Apr 1, 1999 exemp
loan was taken after Apr 1, 1999 exemption is limited toRs1,50,000/- per year if the house is self-occupied; There is no limit if the house is re
This exemption is available on accrual basis, which means if interest has accrued, you can claim exemption, irrespective of whether you've p

If you have rented out your house, enter the total income / loss from the house (after deducting property tax and standard maintenance ex

u/s 80CCE- Maximum Exemption up to Rs.100000/- Investments up to Rs.1 lac in PF, VPF, PPF, Employee contribution in NPS,Insuranc
repayment, NSC, ELSS, long term bank Fixed Deposit, Post Office Term Deposit, etc. are deductible from the taxable income. There is no lim
can be invested in NSC or PPF etc.

u/s 80CCD -The Finance Act, 2011 provides that contribution made by the Central Government or any other employer to NPS (up to 10 per
previous year)shall be excluded while computing the limit of Rs1,00,000.The contribution by the employee to the NPS will be subject to the li

u/s 80CCG - Rajiv Gandhi Equity Savings Scheme is a new exemption available for investment in stock markets (direct equity). Avaialble
lacs and only for first time investors in stock market. Exemption available at 50% of investment subject to maximum of Rs.50,000/- invested.

u/s 80D Medical Insurance Premium (such as Mediclaim & Critical illness Cover)& Health Check up Upto Rs5000,
premium is exempt up to Rs30,000/ per year (₹15,000/- for self,spouse and children ) (Rs15000/- for Parents. If the premium includes for a d
years of age, an extra Rs5,000//- can be claimed.
u/s 80DD Deduction in respect of medical treatment of handicapped dependents is limited to ₹75,000/- per year if the disability is less t
disability is more than 80%
u/s 80DDB Deduction in respect of medical treatment for specified ailments or diseases for the assesse or dependent can be claimed
being treated is a senior citizen, the exemption can go up toRs60,000/-. but any amount received under Medical Insurance Policy will be
allowed. The Diseases and ailments specified under rule 11DD are.
(1)neurological diseases being demetia, dystonia musculorum deformans, motor neuron disease, ataxia, chorea, hemiballismus, a
cancer, (3) AIDS, (4)Chronic renal failure, (5) hemophilia, and (6) thalassaemia.

u/s 80E Interest repayment on education loan (taken for higher education from a university of self & dependents) is completely tax exemp

u/s 80G Donations given for certain charities are tax exempt. Some(NGO,Trust etc.) are exempt to the tune of 50%, whereas Govt funds
u/s 80GG If you are not getting HRA, but living in rented house, an exemption is available. This will be calculated as minimum of (25% of tot
or Rs24,000/- per year)
u/s 80U If you have a permanent physical disability (including blindness), you can take an exemption (subject to maximum of Rs75,000/-

KNOW MORE about DEDUCTION under Section 80-C

Section 80C of the Income Tax Act allows certain investments and expenditure to be deduct from total income.
must plan investments well and spread it out across the various instruments specified under this section to avail maximum tax
irrespective of how much you earn and under which tax bracket you fall. Most of the Income Tax payee try to save tax by savin
Act. However, it is important to know the Section in total. so that one can make best use of the options available for deduction
point to note that one can not only save tax by undertaking the specified investments, but some expenditure which you normal
exemptions.

Qualifying Investments u/s 80CCE are

Provident Fund (PF) & Voluntary Provident Fund (VPF) PF is automatically deducted from your salary. your contribution [12
contribution) is counted towards section 80C investments. You also have the option to contribute additional amounts through v
rate of interest is 8.5% per annum (p.a.) and is tax-free.
Life Insurance Premiums: Any amount that you pay towards life insurance premium in Life Insurance Corporation (LIC) or an
spouse or your children can also be included in Section 80C deduction. If you are paying premium for more than one insuranc
included. also premium paid for ULIP will also be treated as Premium paid for Life Insurance Policies.
Unit linked Insurance Plan : ULIP stands for Unit linke
insurance with benefits of equity investments.They have attracted the attention of investors and tax-savers not only because th
perform well to give decent returns in the long-term.
IMP : Total Amount Received at Maturity, Survival Benefits, , Withdrawl in Insurance Policies is Tax Free and fully exempteed u
Public Provident Fund (PPF): Among all the assured returns small saving schemes, Public Provident Fund (PPF) is one of th
tax-free and the normal maturity period is 15 years. Minimum amount of contribution is Rs500 and maximum is Rs1,00,000.(N

National Savings Certificate (NSC): National Savings Certificate (NSC) is a 5-Yr small savings instrument eligible for section
8.58% compounded half-yearly, i.e. If you invest Rs.100, it becomes Rs.150.90 after five years. The interest accrued every yea
your taxable income) but the interest is also deemed to be reinvested and thus eligible for section 80C deduction.
Home Loan Principal Repayment & Stamp Duty and Registration Charges for a home Loan The Equated Monthly Install
repay your home loan consists of two components – Principal and Interest.The principal component of the EMI qualifies for d
interest component can save you significant income tax – but that would be under Section 24 of the Income Tax Act. The amou
a house, and the amount you pay for the registration of the documents of the house can be claimed as deduction under sectio
house.
Tuition fees for 2 children Apart form the above major investments expenses for children’s education (Only Tution Fee (for
claimed as deductions under Sec 80C.

Equity Linked Savings Scheme (ELSS): There are some mutual fund (MF) schemes specially created for offering you tax sa
Linked Savings Scheme, or ELSS. The investments that you make in ELSS are eligible for deduction under Sec 80C.

5-Yr bank fixed deposits (FDs): Tax-saving fixed deposits (FDs) of scheduled banks with tenure of 5 years are also entitled f
post office time deposit (POTD) scheme: POTDs are similar to bank fixed deposits. Although available for varying time durat
and five year, only 5-Yr post-office time deposit (POTD) – which currently offers 7.5 per cent rate of interest –qualifies for tax s
works out to be 7.71% per annum (p.a.) as the rate of interest is compounded quarterly but paid annually. The Interest is entire

Pension Funds or Pension Policies – Section 80CCC: This section – Sec 80CCC – stipulates that an investment in pension
income. Section 80CCC investment limit is clubbed with the limit of Section 80C – it means that the total deduction available fo
Lakh.This also means that your investment in pension funds upto Rs.1 Lakh can be claimed as deduction u/s 80CCC. Howeve
deduction u/s 80C and 80CCC can not exceed Rs.1 Lakh.
Infrastructure Bonds: These are also popularly called Infra Bonds. These are issued by infrastructure companies, and not the
invest in these bonds can also be included in Sec 80C deductions.

NABARD rural bonds: There are two types of Bonds issued by NABARD (National Bank for Agriculture and Rural Developme
Bhavishya Nirman Bonds (BNB). Out of these two, only NABARD Rural Bonds qualify under section 80C.
Senior Citizen Savings Scheme 2004 (SCSS): A recent addition to section 80C list, Senior Citizen Savings Scheme (SCSS)
the small savings schemes but is meant only for senior citizens. Current rate of interest is 9% per annum payable quarterly. Ple
quarterly instead of compounded quarterly. Thus, unclaimed interest on these deposits won’t earn any further interest. Interest
 I M P O R T A N T - A D V I S ES

Mostly people gives estimated declaration at year starting to minimise their Tax Liabilities but could not save up to la
months. Many of us start looking for investment avenues only in February or March, just before the Financial Year is g
One, you would end up investing your money without putting proper thought to it. And secondly, you would end up lo
whole year. Instead, decide where you want to make the investments, and start investing right from the beginning of t
advisable to save from start on monthly basis through Bank ECS as a SAP . This way, you would not only make infor
the interest for the full year from April to March.
Clarification regarding deduction in respect of co
Pension Scheme under Section 80 CCD
F.No. 275/192/2009-IT (B) , New Delhi Dated the 9th February, 2010.
Sub: Clarification regarding deduction in respect of contribution to pension scheme under Section 80 CCD – mat

A number of representations have been received regarding deduction under Section 80 CCD for contribution made
Circular No-1 /2010 dated 11th Jan’2010 issued on the subject of Deduction of Tax at Source etc.
It is clarified that in accordance with the provisions of Section 80 CCD, deduction in respect of contribution made b
account under a pension scheme notified, is allowed in computation of his total income –
(a) in the case of an employee, ten per cent of his salary in the previous year; and
(b) in any other case, ten per cent of his gross total income in the previous year.
2. It is further clarified that where the Central Government or any other employer makes any contribution to
scheme, the assessee shall also be allowed a deduction in the computation of his total income of the whole of the a
any other employer as does not exceed 10% of his salary in the previous year.
3. Salary for the purpose of above section (80 CCD) includes dearness allowance if the terms of employment so p
and perquisites.
4. It is further clarified that aggregate limit of deduction under this section (80 CCD) along with Sections 80 C, 80 C
lakh.
Yours faithfully,
(Ansuman Pattnaik) Director (Budget)
To,
All DDOs of Central Government, State Governments, CAG & other persons as per standard list

The New Pension Scheme (NPS)

The New Pension Scheme (NPS) was introduced by the Union Government in 2003. According to the new sc
January 1, 2004 will contribute 10 per cent of their Pay and Dearness Allowance to the Pension Fund Regulato
Ministry of Finance. An equal amount will be contributed by the Centre. The scheme is mandatory for Government
of India. NPS merely declared that tax benefits would be applicable as per the Income Tax Act 1961 as amended fro

The Finance Act, 2011 has inserted a new Section 36 (1)(iva) with effect from assessment year 2012-13 to provid
respect of contribution towards a pension scheme referred in Section 80CCD of the Act on account of an employ
employee in the previous year. For this purpose, 'Salary' means Basic+DA,

Imp -The term ‘employee' will include all employees including Director-employees.

Sec- 80CCD -The Finance Act, 2011 provides that contribution made by Employer "the Central Government or any
cent of the salary of the employee )shall be excluded while computing the limit of Rs1,00,000. But the contribution b
subject to the limit of Rs1,00,000.
 Rajiv Gandhi Equity Savings scheme
Deduction under Section 80CCG
Finance Bill, 2012
A new scheme called Rajiv Gandhi Equity Savings scheme is proposed in the Union Budget 2012-13 to en
instruments The scheme allows for income tax deduction of 50 per cent to new retail investors, who invest
and whose annual income is below Rs 10 lakhs. The scheme will have lock-in period of three years.

Newly inserted Section 80CCG provides deduction wef assessment year 2013-14 in respect of investment
scheme. The deduction under this section is available if following conditions are satisfied:
(a) The assessee is a resident individual (may be ordinarily resident or not ordinarily resident)
(b) His gross total income does not exceed Rs. 10 lakhs;
(c) He has acquired listed shares in accordance with a notified scheme;
d) The assessee is a new retail investor as specified in the above notified scheme;
(e) The investor is locked-in for a period of 3 years from the date of acquisition in accordance with the abo
(f) Amount of deduction - The amount of deduction is at 50% of amount invested in equity shares. Howeve
this provision cannot exceed Rs. 25,000. If any
 Deduction u/s 80D for Mediclaim Premium available to Individual, a

Deduction in respect of Medical Insurance Premium (Mediclaim / Critical illness) paid to keep in force insurance by ind
health of spouse, dependent parents and children.

A Mediclaim policy is a must because you or your family Member should fall sick or meet with an accident, your medical bills co
tool to protect. against heavy financial burden for treatment in hospitals
For Inquire about MEDICLAIM POLICY from National Insurance - mail at - bpchoudhary@gmail.com
Informations about Mediclaim policy
1. Premium based on Age:
2. Who can take the Policy
3. Cover Age
4. How much Sum Insured can be taken ?
5. Deduction from Total Taxable Income
6. Partly contribution can be benefitted
7. Which Policies Premium is allowed?
8. What is the eligible amount of the deduction u/s 80 D ?
9. INDIVIDUAL MEDICLAIM POLICY from National Insurance Company Limited
10. what are the SALIENT FEATURES of Individual Mediclaim policy?
11. what are the PREMIUMS (as per sum insured & age group)?
12. Floater mediclaim Policy (PARIVAR) from National Insurance Company Limited
13. SALIENT FEATURES of PARIVAR (floater) Mediclaim policy?
14. PARIVAR Mediclaim policy Premium up to Age 35 Years
15 PARIVAR Mediclaim policy Premium for 36 to 45 years
16 PARIVAR Mediclaim policy Premium for 46 to 50 years
17.Premium
1. PARIVARbased
Mediclaim policy
on Age: Premium
- The for 51
premium to 55
rates willyears
vary among the insurers and will also depend on your age. The older you
Mediclaim
18. PARIVAR policy from General
Mediclaim policy Insurance Corporation
Premium for has a fixed premium till 35 years and then it changes in 10-year slabs.
56 to 60 years

2. Who can take the Policy: - Individual (resident or non resident, Indian Citizen or foreign citizen):- In case an individual is tak
policy can be taken in the name of any of the following: the taxpayer or the spouse, parents or dependent children* of the taxpa
not be dependent on the Assessee,.parents of Individual or Spouse both are covered.

3. Cover Age: This insurance is available to a person between the age of 18 to 59 years. However, the Policy can be renewed
the age of 3 months can be covered with the parents. male child can be covered up to the age of 25 years. Female child can be

4. Sum Insured: Minimum sum insured shall be Rs 50,000/- and can be increased in multiples of Rs 25,000/-up to Rs 5 lacs.
5. Deduction from Total Income: - In addition to deduction u/s, 80C, This is an additional deduction available over 1,20,000.
6. Partly contribution: If part payment is done by you and part payment by the Spouse / parent, both can claim deduction to th
maximum allowed but amount should be paid directly to insurance company and paid through mode other than by cash.
7. Which Policies Premium is allowed? : - Mediclaim premium paid under Medical insurance scheme of General Insurance's
Government, or any other insurer approved by the Insurance Regulatory & Development Authority (IRDA). Or Critical illness Co
Companies.

8. What is the eligible amount of the deduction?

Basic deduction: Mediclaim premium paid for Self, Spouse or dependant children. Maximum deduction Rs 15,000.Premium pai
15,000. In case any of the persons is a senior citizen (i.e. 65 years or more as of end of the year) and Mediclaim Insurance pre
deduction amount is enhanced to Rs. 20,000.

NATIONAL INSURANCE COMPANY LTD.

1. INDIVIDUAL MEDICLAIM POLICY
Provides protection to individuals, families, employers, employees against heavy financial burden for treatment in hos
whether involving surgery or not.
With Tax Saving other than saving of 80C (1, 20,000)
1. SALIENT FEATURES
Ø  The policy cover reimbursement of Hospitalisation expenses for illness/diseases or injury sustained.
Ø  Pre & Post hospitalization expenses incurred 30 days before & 60 days after hospitalisation are reimbursed.
Ø  Photo identification card for cashless medical benefits over networked hospitals across the country or reimburs
Ø  NO Medical Tests required up to 50 years.
Ø  Family Discount - 10% in the total premium allowed when insured & any one or more member are covered.
Ø  Cumulative Bonus: Sum insured shall be progressively increased by 5% in each claim free year up to 50%.
Ø  Reimbursement of cost of medical checkup (up to 1% of the average Sum Insured).
Ø  Tax Benefits - Under Sec 80D.
Ø  Sum Insured Rs 50,000/- up to Rs 5 lacs.
Ø  TPA option: The premium includes cashless facility through TPA. If the policyholder does not require Cashless faci

NATIONAL INSURANCE COMPANY LTD.

2. PARIVAR – ( FLOATER ) MEDICLAIM for FAMILIE
This is a Family Floater Health Insurance Policy, Entire family is covered under single Sum Insured. (Family means Self, Sp
of 25 years.) [Parents are not covered]

The Policy covers reimbursement of Hospitalisation expenses for illness/diseases contracted or injury. In the event
the policy, the Company either pays to the Hospital/Nursing Home through TPA or directly to the insured if TPA service
1. SALIENT FEATURES
The policy cover reimbursement of Hospitalisation expenses for illness/diseases or injury

Pre & Post hospitalization Medical expenses incurred 15 days before & 30 days after hospitalisation are also reimb
                 Photo identification card for cashless medical benefits over networked hospitals across the country or reimburs
                 Age- Persons between the ages of 3 months to 60 years are eligible.
                NO Medical Tests required up to 60years.
                Pre-Existing Diseases will be covered after 4 continuous Claim free year.
               Hospitalisation expenses of person donating organ during the course of Organ Transplant are also cove
               Tax Benefits - Under Sec 80D. Premium given by you will be fully deducted from Taxable Income.
              Sum Insured Rs 2Lacs to Rs 5 Lacs.
               In case any member of the family is suffering from hypertension or diabetes, will be covered after paying10% extra p
               In case any member of the family is suffering from hypertension and diabetes, will be covered after paying 25% extra

Premium Chart
Up to 35 years

36 to 45 years

46 to 50 years
 51 to 55 years

56 to 60 years

NOTE: - Service Tax 10.03% of the premium to be added

For Inquire about MEDICLAIM POLICY from National Insurance - contact me at - bpchoudhary@gmail.com ph: 9811