Super Star premium for ₹1 crore cover
These are the annual base premiums for ₹1 crore sum insured on Super Star, by age band and zone. For a 38-year-old on an individual policy the figure is ₹16,094 in Zone A, ₹14,082 in Zone B, ₹13,278 in Zone C.
Worked example: two adults aged 38 and 34
A couple aged 38 and 34 on a family floater with ₹1 crore cover, in each zone.
- Zone A
- ₹22,151
- Zone B
- ₹19,382
- Zone C
- ₹18,275
Annual base premium, excluding applicable taxes.
Premium tables
Individual policy, per person, ₹1 crore cover
| Age | Zone A | Zone B | Zone C |
|---|---|---|---|
| 18 to 25 | ₹11,921 | ₹10,431 | ₹9,835 |
| 26 to 30 | ₹13,043 | ₹11,413 | ₹10,760 |
| 31 to 35 | ₹13,440 | ₹11,760 | ₹11,088 |
| 36 to 40 | ₹16,094 | ₹14,082 | ₹13,278 |
| 41 to 45 | ₹19,281 | ₹16,871 | ₹15,907 |
| 46 to 50 | ₹25,085 | ₹21,949 | ₹20,695 |
| 51 to 55 | ₹31,389 | ₹27,465 | ₹25,896 |
| 56 to 60 | ₹39,177 | ₹34,280 | ₹32,321 |
| 61 to 65 | ₹62,011 | ₹54,260 | ₹51,159 |
| 66 to 70 | ₹88,327 | ₹77,286 | ₹72,870 |
| 71 to 75 | ₹1,15,187 | ₹1,00,789 | ₹95,029 |
| 76 to 80 | ₹1,50,232 | ₹1,31,453 | ₹1,23,941 |
| 81+ | ₹2,14,112 | ₹1,87,348 | ₹1,76,642 |
Annual premium, excluding applicable taxes.
Family floater, per adult, ₹1 crore cover
| Age | Zone A | Zone B | Zone C |
|---|---|---|---|
| 18 to 25 | ₹8,941 | ₹7,823 | ₹7,376 |
| 26 to 30 | ₹9,782 | ₹8,559 | ₹8,070 |
| 31 to 35 | ₹10,080 | ₹8,820 | ₹8,316 |
| 36 to 40 | ₹12,071 | ₹10,562 | ₹9,959 |
| 41 to 45 | ₹14,461 | ₹12,653 | ₹11,930 |
| 46 to 50 | ₹18,814 | ₹16,462 | ₹15,522 |
| 51 to 55 | ₹25,111 | ₹21,972 | ₹20,717 |
| 56 to 60 | ₹31,342 | ₹27,424 | ₹25,857 |
| 61 to 65 | ₹49,609 | ₹43,408 | ₹40,927 |
| 66 to 70 | ₹70,662 | ₹61,829 | ₹58,296 |
| 71 to 75 | ₹92,149 | ₹80,630 | ₹76,023 |
| 76 to 80 | ₹1,20,186 | ₹1,05,163 | ₹99,153 |
| 81+ | ₹1,71,290 | ₹1,49,879 | ₹1,41,314 |
What changes the price here
Cover against the neighbouring options
For a 38-year-old in Zone C, ₹1 crore costs 8.9% more than ₹50 lakh and 23.1% less than Unlimited.
Zone
The same ₹1 crore costs ₹16,094, ₹14,082, ₹13,278 for a 38-year-old across Zone A, Zone B, Zone C.
Age
At ₹1 crore the 61 to 65 band pays ₹51,159 in Zone C, against ₹9,835 for 18 to 25.
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
How much is ₹1 crore cover for a 40-year-old?
₹16,094 in Zone A, ₹14,082 in Zone B, ₹13,278 in Zone C a year on an individual policy, excluding taxes.
What comes with ₹1 crore cover?
Restoration: Unlimited times, up to 100% of SI each time (not for Unlimited SI). Cumulative bonus: 50% of SI per claim-free year, max 100% (not for Unlimited SI). Air ambulance is covered up to ₹5,00,000. Check the policy wording for conditions.
How much more is Unlimited than ₹1 crore?
For a 38-year-old in Zone C, Unlimited costs ₹16,346 against ₹13,278, which is 23.1% more.