Super Star premium at age 30
Age 30 falls in the 26 to 30 band of the Super Star rate table. The band, not the single year, sets the price. A 30-year-old on an individual policy of ₹10 lakh pays ₹7,345 in Zone A, ₹6,427 in Zone B, ₹6,060 in Zone C a year before taxes.
Worked example: two adults, both aged 30
A couple both aged 30 insuring ₹10 lakh in Zone C.
- Family floater per year
- ₹9,090
- Two separate individual policies
- ₹12,120
- Difference shown in the prospectus
- ₹3,030
- Floater if both were 38 and 34
- ₹10,276
Annual base premium, excluding applicable taxes.
Premium tables
Individual policy at age 30 (26 to 30 band), annual premium
| Zone | ₹5 lakh | ₹7.5 lakh | ₹10 lakh | ₹15 lakh | ₹20 lakh | ₹25 lakh | ₹50 lakh | ₹1 crore | Unlimited |
|---|---|---|---|---|---|---|---|---|---|
| Zone A | ₹6,100 | ₹6,899 | ₹7,345 | ₹8,795 | ₹9,615 | ₹10,278 | ₹11,978 | ₹13,043 | ₹16,047 |
| Zone B | ₹5,338 | ₹6,037 | ₹6,427 | ₹7,696 | ₹8,413 | ₹8,993 | ₹10,481 | ₹11,413 | ₹14,041 |
| Zone C | ₹5,033 | ₹5,692 | ₹6,060 | ₹7,256 | ₹7,932 | ₹8,479 | ₹9,882 | ₹10,760 | ₹13,239 |
Excluding applicable taxes and any medical-underwriting loading.
Step up from the 18 to 25 band to the 26 to 30 band, ₹10 lakh cover
| Zone | Age 18 to 25 | Age 26 to 30 | Increase | Change |
|---|---|---|---|---|
| Zone A | ₹6,721 | ₹7,345 | ₹624 | 9.3% |
| Zone B | ₹5,881 | ₹6,427 | ₹546 | 9.3% |
| Zone C | ₹5,545 | ₹6,060 | ₹515 | 9.3% |
Family floater, per adult at age 30, annual premium
| Zone | ₹5 lakh | ₹7.5 lakh | ₹10 lakh | ₹15 lakh | ₹20 lakh | ₹25 lakh | ₹50 lakh | ₹1 crore | Unlimited |
|---|---|---|---|---|---|---|---|---|---|
| Zone A | ₹4,575 | ₹5,175 | ₹5,509 | ₹6,596 | ₹7,211 | ₹7,708 | ₹8,984 | ₹9,782 | ₹12,036 |
| Zone B | ₹4,003 | ₹4,528 | ₹4,820 | ₹5,772 | ₹6,310 | ₹6,745 | ₹7,861 | ₹8,559 | ₹10,532 |
| Zone C | ₹3,774 | ₹4,269 | ₹4,545 | ₹5,442 | ₹5,949 | ₹6,359 | ₹7,412 | ₹8,070 | ₹9,930 |
What changes the price here
The band, not the birthday
Everyone aged 26 to 30 pays the same rate. Turning 30 does not change the price. Crossing into the next band does.
The next step
The 31 to 35 band costs ₹6,242 at ₹10 lakh in Zone C, which is 3.0% more than the 26 to 30 band.
Locking the entry age
The prospectus describes a Freeze Your Age feature: age locked at entry until a claim is paid under basic cover. For policy terms above one year, the whole term is charged at the age you enter with.
Work out your own premium
Enter the people you want to cover. The calculator is set up for this page, and you can change anything.
About optional covers
Step 6 lists every optional cover in the Super Star prospectus, with its choices and eligibility rules. Two of them state a premium effect, and the calculator applies it: Smart Network (15% off) and NRI Advantage (10% off). The others are charged an additional premium that the prospectus does not publish, so they are marked as an advisor quote and sent with your WhatsApp message instead of being priced here.
Get an advisor quoteQuestions on this page
What does a 30-year-old pay for ₹10 lakh?
₹7,345 in Zone A, ₹6,427 in Zone B, ₹6,060 in Zone C a year on an individual policy, excluding taxes.
How much does the premium rise from the 18 to 25 band?
At ₹10 lakh the rise is ₹624 (9.3%) in Zone A, ₹546 (9.3%) in Zone B, ₹515 (9.3%) in Zone C.
Does a floater cost less than two individual policies at age 30?
At ₹10 lakh in Zone C the floater is ₹9,090 against ₹12,120 for two individual policies. The two work differently: on a floater the family shares one sum insured.