Super Star premium for ₹20 lakh cover
These are the annual base premiums for ₹20 lakh sum insured on Super Star, by age band and zone. For a 38-year-old on an individual policy the figure is ₹11,852 in Zone A, ₹10,371 in Zone B, ₹9,778 in Zone C.
Worked example: two adults aged 38 and 34
A couple aged 38 and 34 on a family floater with ₹20 lakh cover, in each zone.
- Zone A
- ₹16,319
- Zone B
- ₹14,279
- Zone C
- ₹13,463
Annual base premium, excluding applicable taxes.
Premium tables
Individual policy, per person, ₹20 lakh cover
| Age | Zone A | Zone B | Zone C |
|---|---|---|---|
| 18 to 25 | ₹8,793 | ₹7,694 | ₹7,254 |
| 26 to 30 | ₹9,615 | ₹8,413 | ₹7,932 |
| 31 to 35 | ₹9,906 | ₹8,668 | ₹8,172 |
| 36 to 40 | ₹11,852 | ₹10,371 | ₹9,778 |
| 41 to 45 | ₹14,188 | ₹12,415 | ₹11,705 |
| 46 to 50 | ₹18,420 | ₹16,118 | ₹15,197 |
| 51 to 55 | ₹23,499 | ₹20,562 | ₹19,387 |
| 56 to 60 | ₹29,344 | ₹25,676 | ₹24,209 |
| 61 to 65 | ₹46,416 | ₹40,614 | ₹38,293 |
| 66 to 70 | ₹66,093 | ₹57,831 | ₹54,527 |
| 71 to 75 | ₹86,176 | ₹75,404 | ₹71,095 |
| 76 to 80 | ₹1,12,380 | ₹98,333 | ₹92,714 |
| 81+ | ₹1,60,142 | ₹1,40,124 | ₹1,32,117 |
Annual premium, excluding applicable taxes.
Family floater, per adult, ₹20 lakh cover
| Age | Zone A | Zone B | Zone C |
|---|---|---|---|
| 18 to 25 | ₹6,595 | ₹5,771 | ₹5,441 |
| 26 to 30 | ₹7,211 | ₹6,310 | ₹5,949 |
| 31 to 35 | ₹7,430 | ₹6,501 | ₹6,130 |
| 36 to 40 | ₹8,889 | ₹7,778 | ₹7,333 |
| 41 to 45 | ₹10,641 | ₹9,311 | ₹8,779 |
| 46 to 50 | ₹13,815 | ₹12,088 | ₹11,397 |
| 51 to 55 | ₹18,799 | ₹16,449 | ₹15,509 |
| 56 to 60 | ₹23,475 | ₹20,541 | ₹19,367 |
| 61 to 65 | ₹37,133 | ₹32,491 | ₹30,635 |
| 66 to 70 | ₹52,875 | ₹46,266 | ₹43,622 |
| 71 to 75 | ₹68,941 | ₹60,323 | ₹56,876 |
| 76 to 80 | ₹89,904 | ₹78,666 | ₹74,171 |
| 81+ | ₹1,28,114 | ₹1,12,100 | ₹1,05,694 |
What changes the price here
Cover against the neighbouring options
For a 38-year-old in Zone C, ₹20 lakh costs 9.4% more than ₹15 lakh and 6.9% less than ₹25 lakh.
Zone
The same ₹20 lakh costs ₹11,852, ₹10,371, ₹9,778 for a 38-year-old across Zone A, Zone B, Zone C.
Age
At ₹20 lakh the 61 to 65 band pays ₹38,293 in Zone C, against ₹7,254 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 ₹20 lakh cover for a 40-year-old?
₹11,852 in Zone A, ₹10,371 in Zone B, ₹9,778 in Zone C a year on an individual policy, excluding taxes.
What comes with ₹20 lakh 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 ₹25 lakh than ₹20 lakh?
For a 38-year-old in Zone C, ₹25 lakh costs ₹10,455 against ₹9,778, which is 6.9% more.