Super Star premium in Zone C
Zone C is the default zone. It applies to any place that is not listed under another zone. 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 ₹7,460 a year before taxes.
Worked example: two adults aged 38 and 34
A couple aged 38 and 34 insuring ₹10 lakh on a family floater in Zone C.
- Floater premium per year
- ₹10,276
- Two separate individual policies
- ₹13,702
- Difference shown in the prospectus
- ₹3,426
- Same family, Zone A
- ₹12,456
- Same family, Zone B
- ₹10,899
Annual base premium, excluding applicable taxes.
Premium tables
Individual policy, per person, annual premium in Zone C
| Age | ₹5 lakh | ₹7.5 lakh | ₹10 lakh | ₹15 lakh | ₹20 lakh | ₹25 lakh | ₹50 lakh | ₹1 crore | Unlimited |
|---|---|---|---|---|---|---|---|---|---|
| 18 to 25 | ₹4,608 | ₹5,210 | ₹5,545 | ₹6,637 | ₹7,254 | ₹7,753 | ₹9,034 | ₹9,835 | ₹12,098 |
| 26 to 30 | ₹5,033 | ₹5,692 | ₹6,060 | ₹7,256 | ₹7,932 | ₹8,479 | ₹9,882 | ₹10,760 | ₹13,239 |
| 31 to 35 | ₹5,183 | ₹5,862 | ₹6,242 | ₹7,475 | ₹8,172 | ₹8,737 | ₹10,182 | ₹11,088 | ₹13,644 |
| 36 to 40 | ₹6,189 | ₹7,005 | ₹7,460 | ₹8,941 | ₹9,778 | ₹10,455 | ₹12,191 | ₹13,278 | ₹16,346 |
| 41 to 45 | ₹7,396 | ₹8,376 | ₹8,922 | ₹10,700 | ₹11,705 | ₹12,518 | ₹14,602 | ₹15,907 | ₹19,590 |
| 46 to 50 | ₹9,582 | ₹10,860 | ₹11,572 | ₹13,887 | ₹15,197 | ₹16,275 | ₹18,993 | ₹20,695 | ₹25,503 |
| 51 to 55 | ₹12,324 | ₹13,842 | ₹14,751 | ₹17,712 | ₹19,387 | ₹20,356 | ₹23,762 | ₹25,896 | ₹31,706 |
| 56 to 60 | ₹15,378 | ₹17,272 | ₹18,410 | ₹22,113 | ₹24,209 | ₹25,398 | ₹29,655 | ₹32,321 | ₹39,572 |
| 61 to 65 | ₹24,290 | ₹27,293 | ₹29,098 | ₹34,972 | ₹38,293 | ₹40,179 | ₹46,931 | ₹51,159 | ₹62,658 |
| 66 to 70 | ₹34,560 | ₹38,843 | ₹41,416 | ₹49,790 | ₹54,527 | ₹57,215 | ₹66,842 | ₹72,870 | ₹89,265 |
| 71 to 75 | ₹45,043 | ₹50,630 | ₹53,988 | ₹64,915 | ₹71,095 | ₹74,602 | ₹87,164 | ₹95,029 | ₹1,16,421 |
| 76 to 80 | ₹58,720 | ₹66,011 | ₹70,391 | ₹84,649 | ₹92,714 | ₹97,290 | ₹1,13,679 | ₹1,23,941 | ₹1,51,854 |
| 81+ | ₹83,652 | ₹94,046 | ₹1,00,292 | ₹1,20,620 | ₹1,32,117 | ₹1,38,643 | ₹1,62,010 | ₹1,76,642 | ₹2,16,439 |
Excluding applicable taxes and any medical-underwriting loading.
Family floater, per adult, annual premium in Zone C
| Age | ₹5 lakh | ₹7.5 lakh | ₹10 lakh | ₹15 lakh | ₹20 lakh | ₹25 lakh | ₹50 lakh | ₹1 crore | Unlimited |
|---|---|---|---|---|---|---|---|---|---|
| 18 to 25 | ₹3,456 | ₹3,907 | ₹4,159 | ₹4,977 | ₹5,441 | ₹5,815 | ₹6,775 | ₹7,376 | ₹9,073 |
| 26 to 30 | ₹3,774 | ₹4,269 | ₹4,545 | ₹5,442 | ₹5,949 | ₹6,359 | ₹7,412 | ₹8,070 | ₹9,930 |
| 31 to 35 | ₹3,887 | ₹4,397 | ₹4,681 | ₹5,607 | ₹6,130 | ₹6,552 | ₹7,637 | ₹8,316 | ₹10,232 |
| 36 to 40 | ₹4,641 | ₹5,254 | ₹5,595 | ₹6,706 | ₹7,333 | ₹7,841 | ₹9,143 | ₹9,959 | ₹12,260 |
| 41 to 45 | ₹5,547 | ₹6,282 | ₹6,692 | ₹8,025 | ₹8,779 | ₹9,389 | ₹10,952 | ₹11,930 | ₹14,693 |
| 46 to 50 | ₹7,187 | ₹8,145 | ₹8,679 | ₹10,416 | ₹11,397 | ₹12,207 | ₹14,245 | ₹15,522 | ₹19,128 |
| 51 to 55 | ₹9,859 | ₹11,073 | ₹11,801 | ₹14,170 | ₹15,509 | ₹16,285 | ₹19,010 | ₹20,717 | ₹25,365 |
| 56 to 60 | ₹12,302 | ₹13,817 | ₹14,728 | ₹17,691 | ₹19,367 | ₹20,318 | ₹23,724 | ₹25,857 | ₹31,658 |
| 61 to 65 | ₹19,432 | ₹21,834 | ₹23,278 | ₹27,977 | ₹30,635 | ₹32,143 | ₹37,545 | ₹40,927 | ₹50,126 |
| 66 to 70 | ₹27,648 | ₹31,074 | ₹33,133 | ₹39,833 | ₹43,622 | ₹45,772 | ₹53,473 | ₹58,296 | ₹71,412 |
| 71 to 75 | ₹36,034 | ₹40,504 | ₹43,190 | ₹51,932 | ₹56,876 | ₹59,682 | ₹69,731 | ₹76,023 | ₹93,137 |
| 76 to 80 | ₹46,976 | ₹52,808 | ₹56,314 | ₹67,719 | ₹74,171 | ₹77,831 | ₹90,943 | ₹99,153 | ₹1,21,483 |
| 81+ | ₹66,921 | ₹75,237 | ₹80,234 | ₹96,496 | ₹1,05,694 | ₹1,10,914 | ₹1,29,608 | ₹1,41,314 | ₹1,73,151 |
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 C
| Age | ₹5 lakh | ₹7.5 lakh | ₹10 lakh | ₹15 lakh | ₹20 lakh | ₹25 lakh | ₹50 lakh | ₹1 crore | Unlimited |
|---|---|---|---|---|---|---|---|---|---|
| 0 to 15 | ₹2,304 | ₹2,605 | ₹2,773 | ₹3,319 | ₹3,628 | ₹3,877 | ₹4,517 | ₹4,918 | ₹6,049 |
| 16 to 20 | ₹2,765 | ₹3,126 | ₹3,327 | ₹3,982 | ₹4,353 | ₹4,652 | ₹5,420 | ₹5,901 | ₹7,258 |
| 21 to 25 | ₹3,225 | ₹3,647 | ₹3,882 | ₹4,646 | ₹5,078 | ₹5,428 | ₹6,324 | ₹6,885 | ₹8,469 |
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 C the youngest adult band pays ₹5,545 and the 61 to 65 band pays ₹29,098 for ₹10 lakh. Premium moves in steps of five years, not year by year.
Sum insured
Moving a 38-year-old in Zone C 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 quoteQuestions on this page
Which places fall in Zone C?
Zone C is the default zone. Any place that is not on the Zone A or Zone B list is priced here.
What does a 40-year-old pay in Zone C for ₹10 lakh?
₹7,460 a year on an individual policy, excluding taxes. Age 40 sits in the 36 to 40 band.
My city is not on any list. Which zone applies?
Places that are not listed under Zone A or Zone B fall in Zone C. Use the calculator, which shows the zone it applied and lets you change it.