Super Star premium in Zone B

Zone B covers 17 listed locations, including Chennai, Ernakulam, Thiruvananthapuram, Bengaluru. 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 ₹7,912 a year before taxes.

Places in this zone

Chennai
Ernakulam
Thiruvananthapuram
Bengaluru
Chengalpattu
Kanchipuram
Nashik
Pune
Tiruvallur
Hyderabad
Kollam
Wayanad
Indore
K V Ranga Reddy
Medchal Malkajgiri
Ahmed Nagar
Gwalior

Worked example: two adults aged 38 and 34

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

Floater premium per year: ₹10,899
Two separate individual policies: ₹14,532
Difference shown in the prospectus: ₹3,633
Same family, Zone A: ₹12,456
Same family, Zone C: ₹10,276

Annual base premium, excluding applicable taxes.

Premium tables

Individual policy, per person, annual premium in Zone B

Age	₹5 lakh	₹7.5 lakh	₹10 lakh	₹15 lakh	₹20 lakh	₹25 lakh	₹50 lakh	₹1 crore	Unlimited
18 to 25	₹4,887	₹5,526	₹5,881	₹7,039	₹7,694	₹8,223	₹9,581	₹10,431	₹12,831
26 to 30	₹5,338	₹6,037	₹6,427	₹7,696	₹8,413	₹8,993	₹10,481	₹11,413	₹14,041
31 to 35	₹5,498	₹6,218	₹6,620	₹7,928	₹8,668	₹9,266	₹10,799	₹11,760	₹14,471
36 to 40	₹6,564	₹7,430	₹7,912	₹9,482	₹10,371	₹11,089	₹12,930	₹14,082	₹17,336
41 to 45	₹7,844	₹8,884	₹9,463	₹11,349	₹12,415	₹13,276	₹15,487	₹16,871	₹20,778
46 to 50	₹10,162	₹11,519	₹12,274	₹14,729	₹16,118	₹17,261	₹20,144	₹21,949	₹27,049
51 to 55	₹13,071	₹14,681	₹15,645	₹18,785	₹20,562	₹21,590	₹25,203	₹27,465	₹33,627
56 to 60	₹16,310	₹18,319	₹19,526	₹23,454	₹25,676	₹26,937	₹31,452	₹34,280	₹41,970
61 to 65	₹25,762	₹28,947	₹30,861	₹37,091	₹40,614	₹42,614	₹49,775	₹54,260	₹66,455
66 to 70	₹36,655	₹41,197	₹43,926	₹52,808	₹57,831	₹60,683	₹70,893	₹77,286	₹94,675
71 to 75	₹47,772	₹53,699	₹57,260	₹68,849	₹75,404	₹79,124	₹92,446	₹1,00,789	₹1,23,477
76 to 80	₹62,279	₹70,011	₹74,658	₹89,779	₹98,333	₹1,03,186	₹1,20,569	₹1,31,453	₹1,61,057
81+	₹88,722	₹99,746	₹1,06,370	₹1,27,930	₹1,40,124	₹1,47,046	₹1,71,829	₹1,87,348	₹2,29,556

Excluding applicable taxes and any medical-underwriting loading.

Family floater, per adult, annual premium in Zone B

Age	₹5 lakh	₹7.5 lakh	₹10 lakh	₹15 lakh	₹20 lakh	₹25 lakh	₹50 lakh	₹1 crore	Unlimited
18 to 25	₹3,665	₹4,144	₹4,411	₹5,279	₹5,771	₹6,167	₹7,186	₹7,823	₹9,623
26 to 30	₹4,003	₹4,528	₹4,820	₹5,772	₹6,310	₹6,745	₹7,861	₹8,559	₹10,532
31 to 35	₹4,123	₹4,664	₹4,965	₹5,947	₹6,501	₹6,949	₹8,100	₹8,820	₹10,853
36 to 40	₹4,923	₹5,572	₹5,934	₹7,112	₹7,778	₹8,316	₹9,698	₹10,562	₹13,003
41 to 45	₹5,884	₹6,663	₹7,097	₹8,511	₹9,311	₹9,958	₹11,616	₹12,653	₹15,584
46 to 50	₹7,622	₹8,639	₹9,205	₹11,047	₹12,088	₹12,947	₹15,109	₹16,462	₹20,287
51 to 55	₹10,456	₹11,744	₹12,516	₹15,029	₹16,449	₹17,272	₹20,163	₹21,972	₹26,902
56 to 60	₹13,048	₹14,655	₹15,621	₹18,764	₹20,541	₹21,550	₹25,162	₹27,424	₹33,576
61 to 65	₹20,610	₹23,158	₹24,689	₹29,673	₹32,491	₹34,091	₹39,820	₹43,408	₹53,164
66 to 70	₹29,324	₹32,957	₹35,141	₹42,247	₹46,266	₹48,546	₹56,714	₹61,829	₹75,740
71 to 75	₹38,218	₹42,959	₹45,808	₹55,080	₹60,323	₹63,299	₹73,957	₹80,630	₹98,781
76 to 80	₹49,823	₹56,009	₹59,727	₹71,824	₹78,666	₹82,548	₹96,455	₹1,05,163	₹1,28,846
81+	₹70,977	₹79,797	₹85,096	₹1,02,344	₹1,12,100	₹1,17,636	₹1,37,463	₹1,49,879	₹1,83,645

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 B

Age	₹5 lakh	₹7.5 lakh	₹10 lakh	₹15 lakh	₹20 lakh	₹25 lakh	₹50 lakh	₹1 crore	Unlimited
0 to 15	₹2,444	₹2,763	₹2,941	₹3,520	₹3,847	₹4,112	₹4,791	₹5,216	₹6,416
16 to 20	₹2,932	₹3,315	₹3,529	₹4,224	₹4,617	₹4,934	₹5,749	₹6,259	₹7,698
21 to 25	₹3,420	₹3,868	₹4,117	₹4,928	₹5,386	₹5,757	₹6,707	₹7,302	₹8,982

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 B the youngest adult band pays ₹5,881 and the 61 to 65 band pays ₹30,861 for ₹10 lakh. Premium moves in steps of five years, not year by year.

Sum insured

Moving a 38-year-old in Zone B 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 B?

Chennai, Ernakulam, Thiruvananthapuram, Bengaluru, Chengalpattu, Kanchipuram, Nashik, Pune, Tiruvallur, Hyderabad, Kollam, Wayanad, Indore, K V Ranga Reddy, Medchal Malkajgiri, Ahmed Nagar, Gwalior.

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

₹7,912 a year on an individual policy, excluding taxes. Age 40 sits in the 36 to 40 band.

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

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