Super Star premium at age 40
Age 40 falls in the 36 to 40 band of the Super Star rate table. The band, not the single year, sets the price. A 40-year-old on an individual policy of ₹10 lakh pays ₹9,042 in Zone A, ₹7,912 in Zone B, ₹7,460 in Zone C a year before taxes.
Worked example: two adults, both aged 40
A couple both aged 40 insuring ₹10 lakh in Zone C.
- Family floater per year
- ₹11,190
- Two separate individual policies
- ₹14,920
- Difference shown in the prospectus
- ₹3,730
- Floater if both were 38 and 34
- ₹10,276
Annual base premium, excluding applicable taxes.
Premium tables
Individual policy at age 40 (36 to 40 band), annual premium
| Zone | ₹5 lakh | ₹7.5 lakh | ₹10 lakh | ₹15 lakh | ₹20 lakh | ₹25 lakh | ₹50 lakh | ₹1 crore | Unlimited |
|---|---|---|---|---|---|---|---|---|---|
| Zone A | ₹7,502 | ₹8,491 | ₹9,042 | ₹10,837 | ₹11,852 | ₹12,673 | ₹14,777 | ₹16,094 | ₹19,813 |
| Zone B | ₹6,564 | ₹7,430 | ₹7,912 | ₹9,482 | ₹10,371 | ₹11,089 | ₹12,930 | ₹14,082 | ₹17,336 |
| Zone C | ₹6,189 | ₹7,005 | ₹7,460 | ₹8,941 | ₹9,778 | ₹10,455 | ₹12,191 | ₹13,278 | ₹16,346 |
Excluding applicable taxes and any medical-underwriting loading.
Step up from the 31 to 35 band to the 36 to 40 band, ₹10 lakh cover
| Zone | Age 31 to 35 | Age 36 to 40 | Increase | Change |
|---|---|---|---|---|
| Zone A | ₹7,566 | ₹9,042 | ₹1,476 | 19.5% |
| Zone B | ₹6,620 | ₹7,912 | ₹1,292 | 19.5% |
| Zone C | ₹6,242 | ₹7,460 | ₹1,218 | 19.5% |
Family floater, per adult at age 40, annual premium
| Zone | ₹5 lakh | ₹7.5 lakh | ₹10 lakh | ₹15 lakh | ₹20 lakh | ₹25 lakh | ₹50 lakh | ₹1 crore | Unlimited |
|---|---|---|---|---|---|---|---|---|---|
| Zone A | ₹5,626 | ₹6,368 | ₹6,782 | ₹8,128 | ₹8,889 | ₹9,504 | ₹11,083 | ₹12,071 | ₹14,860 |
| Zone B | ₹4,923 | ₹5,572 | ₹5,934 | ₹7,112 | ₹7,778 | ₹8,316 | ₹9,698 | ₹10,562 | ₹13,003 |
| Zone C | ₹4,641 | ₹5,254 | ₹5,595 | ₹6,706 | ₹7,333 | ₹7,841 | ₹9,143 | ₹9,959 | ₹12,260 |
What changes the price here
The band, not the birthday
Everyone aged 36 to 40 pays the same rate. Turning 40 does not change the price. Crossing into the next band does.
The next step
The 41 to 45 band costs ₹8,922 at ₹10 lakh in Zone C, which is 19.6% more than the 36 to 40 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 40-year-old pay for ₹10 lakh?
₹9,042 in Zone A, ₹7,912 in Zone B, ₹7,460 in Zone C a year on an individual policy, excluding taxes.
How much does the premium rise from the 31 to 35 band?
At ₹10 lakh the rise is ₹1,476 (19.5%) in Zone A, ₹1,292 (19.5%) in Zone B, ₹1,218 (19.5%) in Zone C.
Does a floater cost less than two individual policies at age 40?
At ₹10 lakh in Zone C the floater is ₹11,190 against ₹14,920 for two individual policies. The two work differently: on a floater the family shares one sum insured.