Age Group 31-35 41-45 51-55

Family Configu 2A+1C 2A+2C 2A+1C+2P

IITKGP
Niva Health Pulse Enhanced IITKGP Star Health Optima IITKGP
Sum Insured 500000 500000 500000 500000 500000
Annual Premi 9723 13177 11593 16461 52530
Room rent limi 5000 Single 5000 1 AC 5000
ICU Limit 10000 N/A 10000 N/A 10000
Cover restorat N/A 1.5X N/A 3X N/A
Cover restorati N/A NR-NCB Ex N/A NR-NCB Ex N/A
NCB N/A Yes N/A Yes N/A
Pre/Post Hospi 30/60 30/60 30/60 60/90 30/60
Annual health N/A From Y3 N/A 1.5k N/A
Co-pay 0.25 Nil 0.25 Nil 0.25
PED waiting N/A 4Y N/A 4Y N/A
Domiciliary hos Yes Yes Yes Yes Yes
Day care trea 30K Yes 30K Yes 30K
Ambulance cha 3000 2000 3000 750 3000

NOTE

1. Very few Family floaters available for very senior parents and older members hence I have had to
2. In cover restoration, 'X' is the base policy cover quantum
3. In cover restoration trigger,
NR-NCB Ex: Exhausting base + NCB amount and for Non-related ailment only
NR Ex: Exhausting base amount and for Non-related ailment only
 51-55 61-65 71-75
2A+1C+2P 2A+1P 2A
Care Freedom Care Senior IITKGP Star Health
AB Active
Optima
Health Platinum Enhanced
IITKGP
500000 500000 500000 500000 500000 500000
27350 86574 43775 33453 35078 29762
2 share 5000 5000 1 AC 1 AC 5000
N/A N/A 10000 N/A N/A 10000
X X N/A 3X N/A N/A
NR-NCB Ex NR Ex N/A NR-NCB Ex NR Ex N/A
N/A 10/50 N/A Yes 10/100 N/A
10%/30 30/60 30/60 60/90 30/60 30/60
Yes Yes N/A 1.5k Yes N/A
0.2 0.2 0.25 Nil Nil 0.25
2Y 4Y N/A 4Y 4Y N/A
Yes 50k Yes Yes 50k Yes
50k Yes 30K Yes Yes 30K
1000 2000 3000 750 3000 3000

der members hence I have had to consider two separate policies in the 51-55 & 61-65 age brackets considered. In these cases t

ment only
 71-75
2A
Care Senior
500000
67455
5000
N/A
X
NR Ex
10/50
30/60
Yes
0.2
4Y
50k
Yes
2000

rackets considered. In these cases the member family & parent family, each have ₹5 lakhs cover. Hence, for the purpose of nu