Super Star premium in Zone A

Zone A covers 38 listed locations, including Delhi, New Delhi, Faridabad, Gurugram. Below are the annual base premiums from the Super Star prospectus for this zone, by age band and sum insured. A 38-year-old on an individual policy of ₹10 lakh pays ₹9,042 a year before taxes.

Places in this zone

Delhi
New Delhi
Faridabad
Gurugram
Shahdara
Ahmedabad
Surat
Vadodara
Gautam Buddha Nagar
Ghaziabad
Mewat
Alwar
Baghpat
Bhiwani
Bulandshahar
Fatehabad
Hisar
Jhajjar
Jind
Kaithal
Karnal
Kurukshetra
Mahendragarh
Meerut
Muzaffar Nagar
Palwal
Panchsheel Nagar
Panipat
Rewari
Rohtak
Saharanpur
Sirsa
Sonipat
Mumbai (including suburban)
Rest of Gujarat
Thane
Palghar
Raigad

Worked example: two adults aged 38 and 34

A couple aged 38 and 34 insuring ₹10 lakh on a family floater in Zone A.

Floater premium per year: ₹12,456
Two separate individual policies: ₹16,608
Difference shown in the prospectus: ₹4,152
Same family, Zone B: ₹10,899
Same family, Zone C: ₹10,276

Annual base premium, excluding applicable taxes.

Premium tables

Individual policy, per person, annual premium in Zone A

Age	₹5 lakh	₹7.5 lakh	₹10 lakh	₹15 lakh	₹20 lakh	₹25 lakh	₹50 lakh	₹1 crore	Unlimited
18 to 25	₹5,585	₹6,315	₹6,721	₹8,045	₹8,793	₹9,398	₹10,950	₹11,921	₹14,664
26 to 30	₹6,100	₹6,899	₹7,345	₹8,795	₹9,615	₹10,278	₹11,978	₹13,043	₹16,047
31 to 35	₹6,283	₹7,106	₹7,566	₹9,061	₹9,906	₹10,590	₹12,342	₹13,440	₹16,538
36 to 40	₹7,502	₹8,491	₹9,042	₹10,837	₹11,852	₹12,673	₹14,777	₹16,094	₹19,813
41 to 45	₹8,965	₹10,153	₹10,815	₹12,970	₹14,188	₹15,173	₹17,699	₹19,281	₹23,746
46 to 50	₹11,614	₹13,164	₹14,027	₹16,833	₹18,420	₹19,727	₹23,022	₹25,085	₹30,913
51 to 55	₹14,938	₹16,778	₹17,880	₹21,469	₹23,499	₹24,674	₹28,803	₹31,389	₹38,431
56 to 60	₹18,640	₹20,936	₹22,315	₹26,804	₹29,344	₹30,785	₹35,945	₹39,177	₹47,966
61 to 65	₹29,442	₹33,082	₹35,270	₹42,390	₹46,416	₹48,702	₹56,886	₹62,011	₹75,949
66 to 70	₹41,891	₹47,082	₹50,201	₹60,352	₹66,093	₹69,352	₹81,021	₹88,327	₹1,08,200
71 to 75	₹54,597	₹61,370	₹65,440	₹78,685	₹86,176	₹90,427	₹1,05,653	₹1,15,187	₹1,41,116
76 to 80	₹71,176	₹80,013	₹85,323	₹1,02,605	₹1,12,380	₹1,17,927	₹1,37,793	₹1,50,232	₹1,84,065
81+	₹1,01,396	₹1,13,995	₹1,21,566	₹1,46,206	₹1,60,142	₹1,68,052	₹1,96,376	₹2,14,112	₹2,62,350

Excluding applicable taxes and any medical-underwriting loading.

Family floater, per adult, annual premium in Zone A

Age	₹5 lakh	₹7.5 lakh	₹10 lakh	₹15 lakh	₹20 lakh	₹25 lakh	₹50 lakh	₹1 crore	Unlimited
18 to 25	₹4,189	₹4,736	₹5,041	₹6,033	₹6,595	₹7,048	₹8,212	₹8,941	₹10,998
26 to 30	₹4,575	₹5,175	₹5,509	₹6,596	₹7,211	₹7,708	₹8,984	₹9,782	₹12,036
31 to 35	₹4,712	₹5,330	₹5,674	₹6,796	₹7,430	₹7,942	₹9,257	₹10,080	₹12,403
36 to 40	₹5,626	₹6,368	₹6,782	₹8,128	₹8,889	₹9,504	₹11,083	₹12,071	₹14,860
41 to 45	₹6,724	₹7,615	₹8,111	₹9,727	₹10,641	₹11,380	₹13,275	₹14,461	₹17,810
46 to 50	₹8,711	₹9,873	₹10,520	₹12,625	₹13,815	₹14,796	₹17,267	₹18,814	₹23,185
51 to 55	₹11,950	₹13,422	₹14,304	₹17,176	₹18,799	₹19,739	₹23,043	₹25,111	₹30,745
56 to 60	₹14,912	₹16,748	₹17,852	₹21,444	₹23,475	₹24,628	₹28,756	₹31,342	₹38,373
61 to 65	₹23,554	₹26,466	₹28,216	₹33,912	₹37,133	₹38,961	₹45,509	₹49,609	₹60,759
66 to 70	₹33,513	₹37,665	₹40,161	₹48,282	₹52,875	₹55,481	₹64,816	₹70,662	₹86,560
71 to 75	₹43,678	₹49,096	₹52,352	₹62,948	₹68,941	₹72,342	₹84,522	₹92,149	₹1,12,893
76 to 80	₹56,941	₹64,010	₹68,259	₹82,084	₹89,904	₹94,341	₹1,10,234	₹1,20,186	₹1,47,252
81+	₹81,116	₹91,196	₹97,253	₹1,16,965	₹1,28,114	₹1,34,441	₹1,57,101	₹1,71,290	₹2,09,880

On a floater, each adult is charged this rate and each child the child rate below. One sum insured is shared by the family.

Family floater, per child, annual premium in Zone A

Age	₹5 lakh	₹7.5 lakh	₹10 lakh	₹15 lakh	₹20 lakh	₹25 lakh	₹50 lakh	₹1 crore	Unlimited
0 to 15	₹2,793	₹3,158	₹3,361	₹4,023	₹4,397	₹4,699	₹5,475	₹5,961	₹7,332
16 to 20	₹3,351	₹3,789	₹4,033	₹4,827	₹5,276	₹5,639	₹6,570	₹7,153	₹8,798
21 to 25	₹3,909	₹4,421	₹4,705	₹5,632	₹6,155	₹6,579	₹7,665	₹8,345	₹10,265

What changes the price here

Where you live

For a 38-year-old at ₹10 lakh, Zone A is ₹9,042, Zone B is ₹7,912, Zone C is ₹7,460. The zone is set by the place of residence on the policy, so check your city against the list before you compare.

Age band

In Zone A the youngest adult band pays ₹6,721 and the 61 to 65 band pays ₹35,270 for ₹10 lakh. Premium moves in steps of five years, not year by year.

Sum insured

Moving a 38-year-old in Zone A from ₹5 lakh to ₹10 lakh raises the premium by 20.5%. Doubling cover does not double the price.

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 quote

Questions on this page

Which places fall in Zone A?

Delhi, New Delhi, Faridabad, Gurugram, Shahdara, Ahmedabad, Surat, Vadodara, Gautam Buddha Nagar, Ghaziabad, Mewat, Alwar, Baghpat, Bhiwani, Bulandshahar, Fatehabad, Hisar, Jhajjar, Jind, Kaithal, Karnal, Kurukshetra, Mahendragarh, Meerut, Muzaffar Nagar, Palwal, Panchsheel Nagar, Panipat, Rewari, Rohtak, Saharanpur, Sirsa, Sonipat, Mumbai (including suburban), Rest of Gujarat, Thane, Palghar, Raigad.

What does a 40-year-old pay in Zone A for ₹10 lakh?

₹9,042 a year on an individual policy, excluding taxes. Age 40 sits in the 36 to 40 band.

My city is not listed in Zone A. Which zone applies?

Places that are not listed under Zone B fall in Zone C. Use the calculator, which shows the zone it applied and lets you change it.