Accident Care Individual Insurance is offered by Star Health and Allied Insurance Co. Ltd. through Bank of Baroda's insurance distribution channel.
Minimum ₹1,00,000, increased in ₹10,000 multiples
the maximum varies with the insured person's earning capacity.
Adults aged 18–70 years
dependent children can be covered from 5 months to 25 years under family cover.
One-year, two-year and three-year policy terms are published in the premium matrix.
Premium excluding tax is quoted per ₹1,000 of sum insured (per mille), by Table A/B/C and Risk Group I/II/III. One-year: A ₹0.43/₹0.60/₹0.80, B ₹0.70/₹1.30/₹1.75, C ₹1.25/₹1.75/₹2.00. Two-year: A ₹0.83/₹1.16/₹1.54, B ₹1.35/₹2.51/₹3.38, C ₹2.41/₹3.38/₹3.86. Three-year: A ₹1.20/₹1.68/₹2.24, B ₹1.96/₹3.63/₹4.89, C ₹3.49/₹4.89/₹5.59.
No initial or specific waiting period applies under the policy wording's customer information sheet.
Table A covers accidental death
Table B adds permanent disablement
Table C adds temporary total disablement. Accidental death pays 100% of sum insured
permanent total disablement pays 150% of sum insured plus cumulative bonus calculated on 100%
temporary total disablement pays 1% per completed week under Table C up to ₹15,000 per week for 100 weeks.
The policy excludes pre-existing conditions
intentional self-injury, suicide/attempted suicide, intoxicants and self-endangerment
mental disorder, sexually transmitted conditions and /-related losses
non-qualified air travel
war, riots and civil commotion
nuclear, chemical and biological terrorism
professional or semi-professional sports competitions
hazardous sports/activities
physical or mental challenge unless endorsed
and illegal acts. The policy points to additional excluded expenses on the insurer website
National Insurance Company Limited ( registration no. 58). Bank of Baroda acts as a corporate-agent distribution channel
the insurance contract is between National Insurance and the insured.
₹1,00,000, ₹1,50,000, ₹2,00,000, ₹2,50,000, ₹3,00,000, ₹3,50,000, ₹4,00,000, ₹4,50,000 or ₹5,00,000
the policy wording describes these as ₹1 lakh–₹5 lakh in ₹50,000 multiples. Individual sum insured applies separately to each insured person
floater sum insured applies to the family.
The proposer and each adult family member can enter from 18 to 65 years. A proposer older than 65 may cover family members without covering self. Dependent natural or legally adopted children may be covered from 91 days/3 months to 25 years when a parent is covered
a financially independent child above 18 is not eligible at later renewals.
One policy year at a time, with lifelong renewability. Grace period is 30 days for yearly payment and 15 days for other payment modes
continuity benefits are retained when renewed within the applicable grace period, but coverage is not available for a period for which no premium is received.
The prospectus publishes complete annual premium matrices by age band and ₹1,00,000–₹5,00,000 sum insured for the senior-most/individual member, second-eldest floater member, third-eldest floater member and all other members. The canonical tables retain every row. Rates include charges and exclude
instalment totals are 103.50% half-yearly, 105.00% quarterly and 106.00% monthly, with a 10% direct-sale discount.
Illness claims are excluded for the first 30 days from first commencement, except covered accidents. Pre-existing diseases are covered after 48 months of continuous coverage if declared and accepted. The linked policy wording specifies a 24-month waiting period for listed conditions/procedures
the current summary also describes specific diseases as having two- or four-year waits, so the exact listed-condition schedule in the policy wording controls.
Hospitalisation and listed day-care treatment for illness or injury
allopathy and inpatient care
room/boarding/nursing up to 2% of sum insured capped at ₹5,000/day
/up to 5% capped at ₹10,000/day
cataract up to 25% of sum insured or ₹40,000 per eye
ambulance up to ₹2,000 per hospitalisation
pre-hospitalisation 30 days and post-hospitalisation 60 days
12 listed modern treatments up to 50% of sum insured
cashless at network providers through
5% co-pay on every claim
5% claim-free cumulative bonus each year up to 50%.
The policy applies 5% co-pay on all claims and excludes, among other matters, the first 30 days of illness (covered accidents excepted), undeclared or unaccepted pre-existing conditions until the applicable waiting period, listed diseases/procedures during their waiting period, adventure-sport accidents, sterility/infertility and maternity, refractive-error surgery below 7.5 dioptres, cosmetic/plastic/gender-change treatment, drug/alcohol abuse, dental treatment except accident-related hospitalisation, domiciliary and treatment, treatment outside India, war and nuclear/chemical/biological attack. Annexure-A and the permanently excluded-illness annexure remain available in the policy table record.
Tata General Insurance Company Limited. Bank of Baroda distributes the policy as an insurance corporate-agent channel
the insurance contract is between Tata and the insured.
The Insured's Declared Value () is the vehicle's own-damage sum insured and is fixed at the start of each period of insurance or policy year. Standard owner-driver personal-accident cover is capped at ₹15,00,000 per period of insurance
third-party property, bodily-injury and death liability follows the policy schedule and applicable law. A vehicle is treated as constructive total loss when retrieval and/or repair cost exceeds 75% of .
Value awaiting review
The period of insurance is the period stated in the policy schedule. A policy year is 12 consecutive months
a schedule may cover more than one policy year, and the issued schedule controls the actual duration and premium.
Value awaiting review
Value awaiting review
The policy offers mandatory liability-only cover for third-party property damage, bodily injury and death, plus owner-driver personal accident cover, and a comprehensive package covering own damage, third-party liability and owner-driver accidental death or permanent/temporary disablement.
Base exclusions include losses outside the geographical area, contractual liability, use outside the policy limitations or by an unauthorised driver, consequential loss, nuclear contamination or weapons, war and hostilities, wear and tear, mechanical or electrical breakdown, specified tyre/tube losses, accessory theft unless the vehicle is stolen with it, intoxicated driving and depreciation unless an applicable add-on responds. Add-ons have further conditions: Return to Invoice requires a valid total-loss/theft claim, final investigation report and a non-imported vehicle
consumables require an admissible own-damage claim and authorised garage
medical expenses exclude pre-existing or unrelated sickness, physiotherapy, psychosomatic disorders, unsupported bills and treatment started after 5 days
roadside assistance excludes maintenance and listed force-majeure or unsafe situations
Engine Secure and Tyre/Rim Secure contain warranty, maintenance, neglect, tread and misuse exclusions.
Cholamandalam MS General Insurance Company Limited
CholaMS Group Health Insurance offers individual and family-floater cover for up to seven family members, with sum-insured options of ₹3 lakh, ₹5 lakh, ₹7.5 lakh and ₹10 lakh and a one-year policy term.
Family-floater coverage includes self, spouse, three dependent children and dependent parents up to two
individual coverage includes self, spouse, three dependent children and dependent parents up to two, or self under the individual-plan row. Adults are eligible from 18 to 70 years and children from 3 months to 26 years. Pre-acceptance medical check-up is not required.
1 year from the commencement date.
The CholaMS Group Health Insurance page publishes sum-insured options of ₹3 lakh, ₹5 lakh, ₹7.5 lakh and ₹10 lakh and a one-year term, but does not publish a premium amount. The payable premium depends on the selected plan, members and insurer quote.
The policy applies a 30-day waiting period for sickness or illness (nil for accidents), 12 months for specified illnesses, 24 months for pre-existing diseases or conditions and nine months for maternity expenses.
CholaMS Group Health Insurance offers individual and family-floater cover for up to seven family members, with sum-insured options of ₹3 lakh, ₹5 lakh, ₹7.5 lakh and ₹10 lakh and a one-year policy term.
The page highlights exclusions for alcoholism, drug/substance abuse and addictive conditions
non-prescription dietary supplements unless prescribed during an admissible hospitalisation/day-care claim
refractive-error correction below 7.5 dioptres
circumcision except for an otherwise covered illness or accidental injury
and pre-/post-hospitalisation expenses under maternity benefit. The full master policy wording applies.
The Diabetes Safe policy offers ₹3 lakh, ₹4 lakh, ₹5 lakh and ₹10 lakh sum-insured options.
18 to 65 years for people living with diabetes mellitus
The policy is available for one-year, two-year or three-year terms
for terms longer than one year, the basic sum insured applies separately to each year without carry-over.
The official prospectus illustrates Plan A premiums (taxes excluded) for ₹5 lakh cover: age 44₹20,233, age 47₹22,983, age 58₹30,413 and age 64₹37,205 for an individual policy
floater examples are ₹32,177 for ages 44/47 and ₹51,820 for ages 58/64. Actual premium varies by age, plan, cover and loading.
Plan A covers diabetes and its complications without a waiting period after acceptance
Plan B applies a 12-month wait for diabetes complications. Both plans apply a 30-day initial wait for other illnesses (except accidents), 24 months for specified diseases and 36 months for pre-existing diseases.
Hospitalisation
outpatient consultations, diagnostics and medicines
accidental death
kidney-donor expenses
artificial limbs
all day-care procedures
Published exclusions include treatment during a waiting period, obesity or weight-control procedures, investigation and evaluation admissions, sterility or infertility treatment, self-inflicted injury, and spectacles, contact lenses or dental treatment
The current Family Health Optima page states a single family-floater sum insured ranging from ₹5 lakh to ₹25 lakh. The Bank of Baroda product page's earlier brochure listing also shows ₹3 lakh and ₹4 lakh options
confirm the currently available options at quote time.
Adults 18 to 65 years
renewals after 65
children from 16 days
The policy can be taken for 1 year or 2 years and is renewable for life when renewed under the policy terms.
The prospectus attaches complete one-year and two-year premium charts (excluding tax), split by Zone A-D, family composition, age band and sum insured. For example, Zone A non-parent cover for one adult and one child ranges from ₹7,968 at 16 days-35 years with ₹1 lakh sum insured to ₹21,279 with ₹25 lakh
the same row is ₹12,516 for ₹5 lakh and ₹15,019 for ₹10 lakh. Zone D parent/parent-in-law cover for each parent ranges from ₹7,779 at up to age 50 with ₹3 lakh sum insured to ₹76,330 above age 80 with ₹25 lakh. Two-year Zone A non-parent cover for one adult and one child ranges from ₹15,139 at 16 days-34 years with ₹1 lakh to ₹40,430 with ₹25 lakh, and rises to ₹3,18,108 for the above-80 row with ₹25 lakh. All quoted chart amounts exclude tax
the exact premium depends on the insured family, zone, age band and sum insured.
assisted reproduction treatment: 36 months from first inception.
All day-care procedures
organ-donor expenses
assisted reproduction
domiciliary hospitalisation when treatment exceeds 3 days
The prospectus applies a 30-day initial waiting period except accidental hospitalisation, a 24-month waiting period for specified illnesses/procedures and a 48-month waiting period for pre-existing diseases. The coded exclusion schedule also covers investigation-only admissions, rest cure/rehabilitation, obesity treatment outside the stated conditions, cosmetic or gender-reassignment treatment, hazardous/adventure sports, breach of law, excluded providers, alcohol or drug abuse, dietary supplements, refractive error below the stated threshold, unproven treatment, infertility, maternity outside the stated benefit, congenital conditions, intentional self-injury, war/nuclear risks, non-allopathic treatment and dental treatment outside covered accidental injury.
No health waiting period is stated for this pure term plan. If death is due to suicide within 12 months from commencement of risk (or from revival, as applicable), the nominee receives 80% of total premiums paid to date or the available surrender value, whichever is higher, provided the policy is in force.
Lump sum or monthly instalments over 5 years
The brochure's suicide clause applies for the first 12 months from commencement of risk or revival, with the 80% premium/surrender-value payment described in the waitingPeriod fact. The plan has no surrender value, no maturity or survival benefit, and no loan facility
other exclusions and claims conditions are governed by the issued policy wording.
The policy schedule records the chosen Sum Assured
on death while in force, the plan pays the highest of the Sum Assured, Fund Value or 105% of total premiums paid (less applicable recent partial withdrawals), subject to the policy terms.
5 to 65 years
Regular premium: 10 to 70 years
limited premium: 10 to 25 years
single premium: 5 to 20 years
The reviewed Money Balance policy document does not set one universal premium amount
premium mode, amount and Sum Assured are selected in the proposal and policy schedule.
Value awaiting review
Market-linked fund options with automatic trigger-based investment strategy, life cover and partial withdrawals after lock-in
For suicide within 12 months from policy commencement or revival, the nominee receives the Fund Value at death notification and eligible post-death charges are added back (rather than the normal death benefit). Investment losses and policy charges remain subject to the terms
Regular/limited pay: generally 7–10 times annualised premium depending on entry age
single pay: 1.25 times single premium, subject to the selected option and policy terms.
Minimum entry age is 91 days for the Life option and 18 years for Extra Shield or Family Care
maximum entry age is 65 years. Maturity age is 18–99 years. Policy terms range from 5 to 99 years
premium-paying terms range from 5 to 20 years. Minimum premium is ₹48,000 for regular/limited pay and ₹2,50,000 for single pay.
Policy term 5–99 years
premium-paying term 5–20 years, depending on payment mode and plan option
₹48,000 for regular or limited pay
₹2,50,000 for single pay
No health-style waiting period is published for this life-and-investment policy. Linked-policy liquidity is restricted by a 5-year lock-in: surrender or partial withdrawal proceeds generally cannot be paid before five completed policy years, subject to the death and other contingencies in the policy.
The plan has zero premium-allocation and policy-administration charges, return of mortality charges, free fund switches, 10 fund choices, six investment strategies and three plan options: Life, Extra Shield and Family Care.
Suicide exclusion: if death is due to suicide within 12 months of commencement or revival, the beneficiary receives the fund value on intimation (with later-recovered charges added back except fund-management and guarantee charges). The policy also limits or suspends risk cover after premium discontinuance, and charges/benefits are subject to the policy schedule, proposal, underwriting and applicable fund-management, mortality and discontinuance terms.
Premiums are paid for 5, 7 or 10 years while cover continues for the entire policy term.
For policies sourced through the Point of Sale () channel, a 90-day waiting period applies from acceptance of risk. During that period, a non-accidental death pays 100% of premium paid
after the period, the sum assured on death applies. Accidental death is not subject to this waiting period, and the waiting period is not applied on policy revival.
Annual guaranteed additions are provided under the policy, subject to the policy terms.
Suicide exclusion: if the life assured dies by suicide within 12 months of commencement of risk or revival, the nominee receives the higher of 80% of total premiums paid to the date of death or the surrender value at that date, provided the policy is in force. The policy also limits accidental-death and other benefits to the conditions in the policy schedule and applicable underwriting terms.
the page states there is no limit on the maximum sum assured, subject to the policy and underwriting terms.
3 years for 15-year term, 8 years for 10-year term
maximum 50 years
Choose a 10-, 15-, 20- or 25-year policy term.
Minimum premium: ₹18,000 yearly, ₹9,215 half-yearly, ₹4,662 quarterly or ₹1,566 monthly. No maximum premium limit is published.
Value awaiting review
103% of one annualised premium before the last premium
maturity sum assured plus accrued bonus if any
one-year life-cover continuation after a missed premium once two full policy years are paid
If death is due to suicide within 12 months from commencement of risk or revival, the nominee receives the higher of 80% of total premiums paid or the surrender value, provided the policy is in force. Other benefit conditions, including premium payment and policy exclusions, are controlled by the policy wording.
Sum Assured on Death is 105% of total premiums paid during the policy term
under the policy wording, recent partial withdrawals can reduce that amount. The plan does not publish one fixed rupee sum-insured amount because the death benefit also compares this formula with the fund value and depends on the selected option.
Entry age is 18–70 years and maturity age is 40–80 years. Minimum policy/premium-paying term is 5 years for single pay, 15 years for 8/10-year regular pay and 16 years for 15-pay. Minimum premium is ₹60,000 yearly, ₹30,000 half-yearly, ₹15,000 quarterly, ₹5,000 monthly or ₹1,50,000 single pay. Death sum assured is 105% of total premiums paid.
This non-participating unit-linked pension plan provides three pension-fund choices (equity, debt and liquid), zero premium-allocation and policy-administration charges, return of mortality charges at maturity under Retire Smart, unlimited switches and premium redirections, and guaranteed additions up to 5% in year 1.
Current page minimums are ₹60,000 yearly, ₹30,000 half-yearly, ₹15,000 quarterly, ₹5,000 monthly and ₹1,50,000 single premium
no fixed maximum is published and BAUP underwriting applies.
Not applicable as a health-claim waiting period: this is a unit-linked pension/life plan. The brochure instead imposes a five-year liquidity lock-in
complete or partial withdrawal is not available until the end of year five.
This non-participating unit-linked pension plan provides three pension-fund choices (equity, debt and liquid), zero premium-allocation and policy-administration charges, return of mortality charges at maturity under Retire Smart, unlimited switches and premium redirections, and guaranteed additions up to 5% in year 1.
Investment risk is borne by the policyholder: fund values and can rise or fall and returns are not guaranteed. The five-year lock-in prevents surrender or partial withdrawal before year five
early discontinuance transfers value to the discontinued policy fund subject to discontinuance charges and applicable rules. Guaranteed additions apply only to the first policy-year premium, require annualised premium above ₹60,000, do not apply to top-ups and are recovered if cancelled during the free-look period.
the policy schedule records the selected Sum Assured and death benefit is the higher of Fund Value, Sum Assured or 105% of total premiums paid, subject to policy terms.
Entry age is 3–65 years and maturity age is 18–85 years. Policy terms are 15, 20 or 25 years
premium-paying terms are 5–10 years. Minimum premium is ₹36,000 yearly, ₹18,000 half-yearly, ₹9,000 quarterly or ₹3,000 monthly, with no maximum stated. withdrawals/surrender are unavailable during the first five years.
Entry age is 3–65 years and maturity age is 18–85 years. Policy terms are 15, 20 or 25 years
premium-paying terms are 5–10 years. Minimum premium is ₹36,000 yearly, ₹18,000 half-yearly, ₹9,000 quarterly or ₹3,000 monthly, with no maximum stated. withdrawals/surrender are unavailable during the first five years.
Entry age is 3–65 years and maturity age is 18–85 years. Policy terms are 15, 20 or 25 years
premium-paying terms are 5–10 years. Minimum premium is ₹36,000 yearly, ₹18,000 half-yearly, ₹9,000 quarterly or ₹3,000 monthly, with no maximum stated. withdrawals/surrender are unavailable during the first five years.
Value awaiting review
Higher of fund value, sum assured or 105% of total premiums paid
For death due to suicide within 12 months from policy commencement or revival, the nominee receives the Fund Value at death intimation, with eligible post-death charges added back (rather than the normal death benefit). The policy also makes investment risk and policy charges subject to the terms
For regular and limited premiums, minimum sum assured is 7× annualised premium
the maximum is an age/term-based multiple (10× for ages 5–39 and 1.25× for ages 40–65 in the published table). For single premium, sum assured is 125% of single premium, subject to the product limits and underwriting.
For a 5-year premium-paying term, entry age is 5–55 years and maturity age is 18–70 years. For single, regular or limited pay of 10/15/20 years, entry age is 5–65 years and maturity age is 18–90 years.
Regular/limited pay: 10–85 years for 5-year , 15–85 years for 10-year , 20–85 years for 15-year and 25–85 years for 20-year . Single pay: 5–30 years. Maximum entry age is 55 for the 5-year and 65 for single/regular/limited 10-, 15- and 20-year .
Minimum regular/limited premium: ₹20,833 monthly, ₹62,500 quarterly, ₹1,25,000 half-yearly or ₹2,50,000 yearly. Minimum single premium: ₹5,00,000. Maximum premium has no stated cap, subject to the board-approved underwriting policy.
This is a linked unit-linked life policy, not a health policy
no illness waiting period is stated. A 5-year lock-in applies: linked-policy proceeds generally cannot be paid before five completed years, except on death or another covered contingency. Partial withdrawals and surrender are restricted during this lock-in.
The unit-linked savings plan offers market-linked returns, seven fund options, automatic-trigger, fund-transfer and age-based investment strategies, loyalty benefits/profit booster/loyalty advantage, unlimited free switches and premium redirection, online purchase and life cover.
The policy's material exclusions and limitations include the 5-year linked-policy lock-in, cessation/reduction of risk cover after premium discontinuance, market and risk borne by the policyholder, non-guaranteed fund performance, and policy-specific charges. The policy document also states that suicide within 12 months is handled by paying the fund value under its suicide-exclusion clause
exact terms in the policy schedule and underwriting apply.
The policy can be taken by a person aged 5 months to 65 years. Children can be covered only along with their parents.
One, two or three years
for terms longer than one year, the basic sum insured applies separately for each policy year without carry-over.
The official prospectus publishes one-year Zone 1 and Zone 2 premiums for every listed age band and base sum insured
the complete charts are shown above. Premiums exclude . Instalment loading is 4% monthly, 3% quarterly and 2% half-yearly.
30 days for illnesses from first commencement (accidents are excepted)
specified diseases/procedures have a 24-month wait
pre-existing diseases have a 36-month continuous-coverage wait.
Medi Classic from Star Health reimburses hospitalisation expenses arising from illness, disease, sickness or accidental injury. It offers all-day-care procedures, health check-up costs, optional hospital cash and patient-care cover.
The policy wording excludes investigation-only admissions
pregnancy and maternity (except ectopic pregnancy)
infertility and assisted reproduction
congenital external defects
non-allopathic treatment above the stated limit
treatment outside India
cosmetic/plastic surgery except when medically necessary after an accident
refractive-error correction below 7.5 dioptres
dental and hearing aids
weight-control programmes
intentional self-injury
alcohol/drug-related treatment
/
war, invasion and nuclear perils
naturopathy
unproven, experimental or unconventional therapies
sterility
circumcision unless medically necessary
convalescence and nutritional deficiency
hospital registration/telephone and other non-medical charges
spectacles, contact lenses, hearing aids, wheelchairs and similar aids
medically unnecessary admissions
and diseases or expenses listed as permanent exclusions in the schedule. This is a summary
₹2,00,000 to ₹50,00,000. Plan A offers ₹2,00,000–₹10,00,000 in ₹1,00,000 multiples
Plan B offers ₹15,00,000, ₹20,00,000 and ₹25,00,000
Plan C offers ₹30,00,000, ₹40,00,000 and ₹50,00,000.
The rate chart begins at 3 months–5 years and continues through the 86+ age band
the product page describes adult insured members as 18–65 years and lists dependent children from 3 months.
1 year, renewable for life subject to the policy terms.
The current chart lists base premiums of ₹5,293–₹2,13,557 before the 5.4% loading and across Plans A, B and C. Price depends on age, sum insured and selected optional covers.
Pre-existing diseases: 36 months of continuous coverage. New illness: 30 days from inception, accidents excepted. Specified surgeries, treatments and diseases: the applicable 90-day, 1-year, 2-year or 4-year period
maternity has a 24-month continuous-cover wait.
30-day pre-hospitalisation
60-day post-hospitalisation
inpatient and 140+ day-care procedures
organ donor
maternity
ambulance and air ambulance
Major exclusions include treatment outside India, sterility/infertility and assisted conception, surrogate or vicarious pregnancy, vaccination unless part of covered treatment, cosmetic/plastic/sex-change surgery, naturopathy or experimental treatment, dental treatment except after accident, drug or alcohol abuse, investigation-only admission, spectacles/contact lenses/hearing aids, hospital service/registration charges, war and radioactivity. The full policy wording controls the complete list.
The official rate chart lists ₹2,246–₹83,428 per person before the 5.4% loading and
the exact premium depends on age and sum insured from ₹1 lakh to ₹10 lakh.
30 days initially except accidents
pre-existing diseases: 48 months
specified diseases: 90 days, 1, 2, 3 or 4 years depending on condition
45-day pre-hospitalisation
60-day post-hospitalisation
inpatient and 140+ day-care procedures
ambulance and organ donor expenses
Specific diseases carry 90-day, 1-, 2- or 3-year waiting periods
pre-existing diseases are covered after 48 months. The policy excludes change-of-gender treatment, cosmetic or plastic surgery, excluded providers, vitamins/tonics, drug or alcohol abuse, self-inflicted injury, non-prescription drugs, home visits, dental treatment except when arising from an accident requiring hospitalisation, and outpatient treatment. Only accident claims are payable during the first 30 days.
The Zone I rate chart lists ₹10,509–₹2,56,272 for the senior-most member and ₹1,094–₹1,66,577 for each other family member, before the 5.4% loading and . The actual premium depends on ages, sum insured, member role, location zone, optional covers and selected service.
30 days initially except accidents
pre-existing diseases: 36 months
specified diseases: 90 days, 1, 2 or 4 years
30-day pre-hospitalisation
60-day post-hospitalisation
inpatient and 140+ day-care procedures
maternity and infertility
air ambulance
domiciliary hospitalisation
First 30 days except accidents
pre-existing diseases for 36 months
specified diseases for 90 days, one, two or four years
The current National Insurance wording lists thresholds of ₹2, ₹3, ₹5, ₹8, ₹10 and ₹20 lakh, with corresponding sum-insured options up to ₹80 lakh. Bank of Baroda's current distribution page lists five combinations only through ₹20 lakh. The wider insurer schedule is not proof that every higher option can be purchased through
confirm the channel's available choices before application.
Proposer and oldest family member: 18 to 65 years
dependent children from 3 months
Choose a 1-year, 2-year or 3-year term
the selected duration is recorded in the policy schedule. The policy can be renewed subject to the current terms.
The linked insurer rate chart gives age- and plan-specific premiums: ₹613–₹23,261 for the individual policy or senior-most floater member, plus ₹82–₹13,719 for each additional floater family member, before . Rates shown exclude third-party administrator () charges
opting for service adds 3.5% to the tabulated premium. Published discounts are 10% for direct sales, 5% family discount on individual policies, 5% early-entry discount after continuous renewal conditions, and 3% for a 2-year or 5% for a 3-year term
aggregate discount is capped at 23.5%. The final amount depends on ages, threshold, sum insured, policy basis, term and applicable discounts/ choice
use the complete age/plan rate tables and obtain the insurer's payable quote.
The current policy excludes pre-existing diseases and direct complications for 12 months of continuous cover
declared and accepted pre-existing disease claims then pay 50% of the admissible amount in months 13–24, 75% in months 25–36 and 100% after 36 months. Specified lifestyle conditions have a 90-day wait
the policy lists 22 named conditions/procedures with a 1-year wait and 5 with a 2-year wait. A 30-day initial illness wait applies to a new policy (accidents excepted), with the wording's continuous-cover and increased-sum-insured rules. Maternity and morbid-obesity treatment each have a 36-month wait
refractive error and specified mental illnesses have 2-year waits
cover has a 3-month wait. Full condition lists and exceptions are in the attached policy tables/source.
After cumulative eligible medical expenses in a policy year exceed the chosen threshold, inpatient hospital treatment has no stated sub-limit up to the selected sum insured. Cover also includes 30-day pre- and 60-day post-hospitalisation for the same admissible condition
inpatient treatment
eligible day-care procedures
organ-donor hospitalisation
/, maternity, morbid-obesity, mental-illness, refractive-error and 12 modern-treatment benefits subject to their specific waits/conditions
and additional hospital-cash, post-hospitalisation home-visit/nurse/attendant and road-ambulance benefits. Coverage and additional-benefit aggregates remain subject to the policy's threshold and chosen sum insured as specified in the page-18 footnotes.
The official page states that only accident claims are payable during the first 30 days
pre-existing diseases are phased in after 12 months (50% of admissible claim in months 13–24, 75% in months 25–36 and 100% after 36 months). It also lists 90-day, 1-, 2- and 3-year specific-disease waits, change-of-gender treatment, cosmetic/plastic surgery, excluded providers, vitamins/tonics, drug or alcohol abuse, self-inflicted injury, non-prescription drugs, home visits, dental treatment except accident-related hospitalisation and treatment. The policy wording controls the complete list.
Plans A1/A2 cover worldwide excluding /Canada and B1/B2 worldwide including /Canada. Medical/evacuation/repatriation cover is USD 50,000/250,000 for A1/A2 and USD 100,000/500,000 for B1/B2. Personal accident cover is USD 10,000 for A1 and USD 25,000 for A2/B1/B2.
Eligible travellers are citizens of India, Nepal or Bhutan travelling abroad for business or holiday, and foreign nationals working in India for Indian employers or multinationals paid in Indian rupees. Pre-existing disease is excluded
the first USD 100 of claims is borne by the traveller.
Value awaiting review
Value awaiting review
Value awaiting review
The plans include checked-baggage loss USD 1,000, baggage delay USD 100, passport loss USD 150–250 and third-party bodily injury/property damage USD 200,000. Emergency dental relief is covered up to USD 225 per occurrence
baggage delay applies to outbound international flights delayed over 12 hours.
Pre-existing disease or illness
travel against medical advice or for treatment
military, naval or air-force operations
suicide or intentional self-injury
mental disorder, alcoholism, drug abuse or /-related illness
Plans C (worldwide excluding /Canada), D and D1 (worldwide including /Canada) provide illness cover of USD 150,000/150,000/500,000, medical evacuation and repatriation of USD 10,000 each, and emergency reunion of USD 5,000. Sponsored students receive contingency insurance of USD 750 for each completed study month.
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
Plans C (worldwide excluding /Canada), D and D1 (worldwide including /Canada) provide illness cover of USD 150,000/150,000/500,000, medical evacuation and repatriation of USD 10,000 each, and emergency reunion of USD 5,000. Sponsored students receive contingency insurance of USD 750 for each completed study month.
Pre-existing diseases/illnesses, travel against medical advice or for medical treatment/routine check-up, suicide or intentional self-injury, mental disorder, alcoholism/drug abuse, -related illness including , and winter sports, mountaineering and adventure sports are excluded.
The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.
Bank account holders, borrowers and co-borrowers are covered
individuals up to age 70 are eligible. The page states available sum-insured options range from ₹1 lakh to ₹30 lakh across plans/products.
One year
the National Insurance policy wording says the policy may be renewed every year by mutual consent, with renewal premium due on or before the expiry date.
Accident medical-expense extension is available up to 10% of the capital sum insured or 40% of the admissible claim, whichever is lower, at an additional premium of 20% of the basic premium. The page does not publish the base premium or a fixed quote.
Not applicable to this accident-only policy: cover operates worldwide, 24x7, for accidental events during the policy period. Claim-notice deadlines are separate policy conditions.
The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.
The individual policy excludes intentional self-injury or suicide
drug or alcohol abuse
venereal disease or insanity
pregnancy or childbirth
aviation other than permitted standard-aircraft passenger travel
non-fare-paying aircraft travel
breach of law with criminal intent
war, civil unrest or government action
and nuclear weapons, radiation or contamination. Compensation is also limited so that duplicate benefit clauses and claims after an admitted death/major-disablement claim are not paid.
Individual options are ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Floater (self and spouse) options are ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh.
60 to 75 years
continuing cover available for life on renewal
The policy is available for one-year, two-year or three-year terms and can be renewed
the product also offers guaranteed lifelong renewal subject to the policy terms.
The prospectus premium chart (excluding , after long-term discount) lists individual premiums for 1/2/3 years: ₹1 lakh₹6,100/₹11,590/₹16,928
₹2 lakh₹10,700/₹20,330/₹29,693
₹3 lakh₹15,250/₹28,975/₹42,319
₹4 lakh₹18,300/₹34,770/₹50,783
₹5 lakh₹20,315/₹38,599/₹56,374
₹7.5 lakh₹22,755/₹43,235/₹63,145
₹10 lakh₹25,030/₹47,557/₹69,458
₹15 lakh₹29,285/₹55,642/₹81,266
₹20 lakh₹32,800/₹62,320/₹91,020
₹25 lakh₹36,080/₹68,552/₹1,00,122. Floater premiums for ₹10/15/20/25 lakh are ₹40,050/₹76,095/₹1,11,139
₹46,855/₹89,025/₹1,30,023
₹52,480/₹99,712/₹1,45,632
and ₹57,730/₹1,09,687/₹1,60,201 respectively.
The initial waiting period is 30 days (accidents are covered from day one)
specified diseases or procedures have a 24-month wait
pre-existing diseases and complications are covered after 12 months when declared and accepted.
Pre-existing diseases and outpatient medical consultations
The current Star Health page lists cosmetic or plastic surgery, change-of-gender treatment, intentional self-injury, treatment resulting from hazardous or adventure sports, alcohol or drug-abuse treatment and congenital external conditions/defects/anomalies as exclusions. The prospectus and policy wording also contain the complete coded exclusion schedule, including the applicable waiting-period exclusions and expenses not medically necessary.
The package uses section-specific sums insured chosen in the policy schedule. The published stock-related section cover is up to 10% of stock sum insured for the stated benefit
no universal package total is printed.
Maximum sum insured for the fire/building-content section is ₹2 crore in the Highlights section
shops must have Class A construction. Restaurants, cafés and offices are not treated as shops. Pedal-cycle legal liability is covered up to ₹10,000, and money in transit is limited to 10% of stock sum insured under Section 1B.
Policy period is the period commencing on the inception date and ending at midnight on the expiry date shown in the schedule. The policy literature also defines a 30-day renewal grace period, during which continuity can be maintained after the premium due date
no single universal annual duration is printed.
Published section rates are ₹1.40 per mille for fire/allied perils, ₹1.00 per mille for burglary, ₹2.50 per mille for money insurance, ₹10.00 per mille for pedal cycle, plate glass and neon sign, ₹7.50 per mille for baggage, ₹4.00 per mille for fidelity guarantee, ₹0.50 per mille for public liability, ₹3.13 per mille for employees compensation, ₹1.75 per mille for business interruption and ₹0.08 per mille for terrorism
applicable taxes and policy terms apply.
Value awaiting review
Up to 10% of stock sum insured
The page excludes loss caused by negligence or wilful act, depreciation or wear and tear, consequential loss, each section’s applicable excess, earthquake unless specifically included, terrorism unless specifically included, breach of law, war-group perils and radioactivity. The full policy wording and section-specific excesses control.
1 year. Renewal is ordinarily available while the pilot product is offered
if the pilot is withdrawn, the insurer gives three months' notice before renewal and offers a suitable alternate product under its terms.
Annual premium excluding tax varies by age band and sum insured. Before a Section 1 cancer claim, ₹17,400–₹23,200 applies for ₹3,00,000 cover and ₹27,300–₹35,100 for ₹5,00,000 cover (age 5 months–65 years). After a Section 1 claim, Section 2/3 premium is ₹12,250–₹18,050 for ₹1,50,000 cover and ₹18,700–₹26,500 for ₹2,50,000 cover.
Section 1 recurrence/metastasis/second-malignancy lump sum: 30 months from first inception and continuous renewal. Sections 2 and 3: initial 30 days (accidents excepted), specified diseases/procedures 24 months and pre-existing diseases 48 months
portability credit can reduce the latter where allowed.
Section 1 pays a fixed lump sum for recurrence, metastasis or a second malignancy unrelated to the first cancer. Section 2 pays indemnity for surgery/interventional treatment of accidents and illnesses other than cancer
Section 3 pays indemnity for non-surgical/non-interventional treatment of accidents and illnesses other than cancer. Both include room, professional fees, medicines, diagnostics, 30-day pre-hospitalisation, 60-day post-hospitalisation and published modern-treatment limits
a 10% co-payment applies from age 61.
Section 1 is not payable until its 30-month waiting period is completed. Sections 2 and 3 exclude cancer/cancer-related treatment, pre-existing disease during 48 months, specified diseases/procedures during 24 months and the policy's standard exclusions including investigation-only admissions, pregnancy/infertility, treatment outside India, cosmetic or sex-change surgery, refractive-error and corrective dental treatment, substance abuse, self-inflicted injury, war/breach of law and hospital service/registration charges.
₹3,00,000 or ₹4,00,000. The same chosen sum insured applies to Sections 1–3 together and to the Section 4 personal-accident death cover.
The product is for people who underwent PTCA/stenting or CABG/bypass within the preceding seven years, or had corrected ASD/VSD, treated PDA, RF ablation for the cardiac condition, or an angiogram where no intervention was medically necessary.
1, 2 or 3 years. For a policy longer than one year, the sum insured and sub-limits are available separately for each policy year with no carry-over.
The reviewed bank page and linked brochure do not print a base premium. Instalment loading is published: quarterly payment +3% and half-yearly payment +2%
monthly, annual, biennial and triennial modes are listed.
Cardiac Section 2: 90 days, even when the cardiac condition is pre-existing. Section 1 non-cardiac/accident cover: 30 days for new illnesses (accidents excepted), 24 months for specified diseases/procedures and 36 months for pre-existing diseases
portability can reduce the latter periods where allowed.
Gold and Silver
The policy excludes or limits pre-existing diseases until 36 months, specified diseases/procedures for 24 months and new illness during the first 30 days (accidents excepted), plus investigation-only admissions, rest cure/custodial care, non-qualifying obesity surgery, cosmetic treatment, hazardous sports, breach of law, excluded providers, substance abuse, unproven/experimental treatment, sterility/infertility, maternity, dental treatment except accidental hospitalisation, sleep-apnoea/endocrine treatment, non-medically-necessary hospitalisation and the listed Section 4 accident exclusions.
or ₹1,00,00,000, on an individual or family-floater basis.
Adults aged 18–65 years at entry
dependent children from 3 monthsup to 25 years. Continuous renewals have no upper age limit.
One year or two years. A 30-day renewal grace period preserves waiting-period continuity when renewal is completed within the grace period.
Premium is age-, family-composition-, sum-insured- and term-dependent. The dated benefit illustration shows, excluding taxes, ₹25,750 for an individual aged 64 with ₹5,00,000 cover
₹18,700 for age 58
and family-floater examples of ₹38,800 for 2 adults and ₹23,540 for 2 adults plus 1 child, each at ₹5,00,000. The prospectus also illustrates ₹17,615 per year for a 40-year-old individual with ₹25,00,000 cover and ₹34,220 for a 2-adult/2-child floater at ₹25,00,000
these are examples, not current quotes.
Initial illness waiting period: 30 days (accidental claims are excepted). Listed diseases/treatments: 24 continuous months. Pre-existing diseases: 36 continuous months. Maternity/newborn benefit: 24 months. Bariatric surgery: 36 months. The optional first-purchase cover can reduce the pre-existing-disease wait from 36 to 12 months for the selected sum insured after medical screening
portability rules apply.
No capping on room rent (private single A/C room)
bariatric surgery and complications
air ambulance and second medical opinion
health check-up after claim-free years
maternity and newborn cover
100% automatic restoration of sum insured
dental/ophthalmic cover
hospital cash
all day-care procedures
personal accident cover equal to health cover
100% increase in sum insured on a claim-free renewal.
The prospectus exclusions cover circumcision and related procedures, congenital external defects except eligible newborn cover, investigation-only admissions, pregnancy except the stated maternity section, infertility, cosmetic/plastic surgery, non-prescription drugs, substance abuse, self-inflicted injury, dental/ outside the stated benefits, excluded providers, treatment outside India and other exclusions in the policy wording. Waiting-period conditions apply to listed diseases and pre-existing diseases.
Four medical-cover limits are published for each destination option: USD 50,000, USD 1,00,000, USD 2,50,000 and USD 5,00,000. The selected plan also sets separate accident, baggage, passport, delay, cancellation and liability limits.
Any permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.
The policy is issued for the insured overseas trip, with published trip-duration bands from up to 4 days through 148–180 days. An extension may be requested before expiry on payment of additional premium and a good-health declaration
up to two extensions are permitted, for a maximum total coverage period of 360 days.
Premium varies by destination, plan (USD 50,000/1,00,000/2,50,000/5,00,000), traveller age and trip duration. The current published tables quote premiums in rupees including 18% tax. Examples for up to 4 days: /Canada Plan A1 (USD 50,000) ₹535 for age 6 months–40 years, Plan B1 (USD 1,00,000) ₹668, Plan C1 (USD 2,50,000) ₹703 and Plan D1 (USD 5,00,000) ₹878
excluding /Canada, the corresponding examples are ₹307, ₹385, ₹459 and ₹805. The tables continue through 148–180 days and ages 6 months–70 years.
Value awaiting review
Star Travel Protect covers overseas emergency medical expenses, medical evacuation, repatriation of mortal remains, accidental injury compensation, dental emergency after an accident, loss or delay of checked baggage, passport loss/replacement, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.
Major exclusions include travelling against medical advice
treatment for a pre-existing condition
travelling to obtain medical treatment
winter sports or dry ski slopes
manual work
riot/civil commotion
war, terrorism and nuclear/radioactive events
racing, motor rallies, mountaineering, rafting/white-water, underwater activities, professional or organised sports and hazardous pursuits
suicide or wilful self-injury
mental disorder, venereal disease, alcoholism, drunkenness or non-prescribed drugs
criminal or illegal acts
/-related claims
pregnancy claims outside the stated timing condition
losses increased by the insured's act or omission
two-wheeler accidents where the driver is unqualified, unlicensed or riding a vehicle of 125 cc or more
property/land ownership, consequential loss, bankruptcy/liquidation, congenital anomalies and other policy-wording exclusions.
Gold Plan: the prospectus lists sum-insured options of ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh with defined-limit options shown in the schedule. Silver Plan: ₹7 lakh sum insured with ₹3 lakh deductible, or ₹10 lakh sum insured with ₹3 lakh deductible. The deductible/defined limit is selected in the policy schedule and cannot be changed at renewal.
Adults aged 18 to 65 years are eligible. Children can be covered from 91 days to 25 years only with their parents. There is no exit age and renewals continue for life.
The prospectus states that the policy is available for one year and can be renewed. Renewal within the 30-day grace period preserves continuity benefits, but coverage is not available during the grace period.
The Star Health prospectus attaches age- and family-size-based premium charts (excluding tax) for the Gold and Silver plans. One-year Silver premiums are ₹1,165-₹4,900 for ₹7 lakh/₹10 lakh sum insured with a ₹3 lakh deductible. One-year Gold premiums run from ₹920 to ₹19,325 across the ₹5 lakh-₹1 crore sum-insured options and defined limits of ₹5 lakh or ₹10 lakh. Two-year Silver premiums are ₹2,214-₹9,310
two-year Gold premiums run from ₹2,325 to ₹36,720 across the published defined-limit schedules. A 5% online-purchase discount applies to the first purchase
a 5%two-year discount applies only when the full two-year premium is paid in advance, and instalment loading is 3% quarterly or 2% half-yearly.
Initial waiting period is 30 days, except for accidents. Pre-existing disease waiting is 36 months for Silver and 12 months for Gold. Specified disease/procedure waiting is 24 months for Silver and 12 months for Gold
the accident exception applies. A 12-month waiting period applies to Gold maternity benefit where that benefit is otherwise payable.
Super Surplus is a top-up policy that provides higher sum insured than basic plans, with affordable premium, no pre-acceptance medical screening and two options: Silver Plan and Gold Plan.
The prospectus publishes the insurer's coded exclusion schedule (Excl 01 onward), including pre-existing disease and specified disease/procedure waiting exclusions, initial waiting, rest cure/rehabilitation, obesity surgery conditions, gender-change treatment, cosmetic surgery, hazardous or adventure sports, breach of law, excluded providers, alcohol/drug abuse, dietary supplements, refractive error below 7.5 dioptres, unproven or experimental treatment, infertility, maternity except the stated Gold benefit, congenital conditions, intentional self-injury, war/nuclear risks, non-allopathic treatment, dental treatment except covered accidental injury and other listed exclusions. The complete policy clause remains the controlling wording.
the Bank of Baroda states that family cover can be up to ₹20 lakh. The selected sum insured affects the premium.
Entry age is 5 years and above
dependent children aged 91 days to 5 years are covered only when both parents are insured. Maximum entry age is 65 with lifelong renewals. Up to seven members may be covered: self, spouse, up to three dependent children and up to two dependent parents. Tenures are 1, 2 or 3 years.
1, 2 or 3 years
Value awaiting review
Initial illness waiting period: 30 days (accidents are covered immediately). Pre-existing disease waiting period: 36 months. Specified disease or procedure waiting period: 24 months.
Tata Medicare includes restore benefits, global inpatient/day-care reimbursement when diagnosis is made in India, 50% cumulative bonus per claim-free year up to 100%, day care, domiciliary treatment, organ donor, second opinion, ambulance, , consumables and compassionate travel.
The brochure names congenital external diseases, defects or anomalies
alcoholic pancreatitis
intentional self-injury or attempted suicide
criminal acts
and treatment by a medical practitioner outside their discipline. It directs customers to the policy wording for the complete benefit and exclusion list.
Medical-expense cover is unlimited subject to a per-incident limit that depends on the plan: USD 100,000 for Silver Plus, USD 250,000 for Gold and USD 500,000 for Platinum. The brochure also publishes separate limits for accidental death/disability, emergency evacuation, baggage, cancellation, passport and other benefits.
Travel Insurance International Plus is available for international and domestic trips, with options for families, senior citizens and students. There is no age limit for purchasing Travel Guard Insurance, and annual and multi-trip plans include a free-look period.
Single-trip policies use travel bands from 1–4 through 331–360 days
the maximum single-trip duration is 360 days. Annual Multi Trip options are 30, 45, 60, 90, 120, 150 or 180 days (for age 12+ and worldwide plans). A 365-day single trip can be added when an embassy requires it, for an additional premium.
Premium is selected from the brochure's chart by plan, geographic scope, traveller age and travel band. As one published example, the Copper non-medical worldwide chart runs from ₹830.60 for 1–4 days to ₹1,296.90 for 331–360 days. Add-on bundles and embassy-required 365-day cover require additional premium
applicable discounts are chart-specific.
Value awaiting review
The policy covers trip curtailment, hijacking distress allowance, flight-delay expenses when delay exceeds 12 hours, fraudulent card charges, overseas accident and sickness medical expenses, checked-baggage loss, missed connections and missed departure expenses.
Key exclusions in the brochure include travelling against a physician's advice, travelling to obtain treatment or while awaiting specified treatment, a terminal prognosis, pre-existing disease except a life-threatening condition, suicide or attempted suicide, wilful self-inflicted injury except self-defence or saving a life, and injury/accident while intoxicated where the insured person is directly responsible. The full policy wording controls.
For own-damage and total-loss claims, the vehicle's Insured's Declared Value () is the sum insured. Third-party bodily injury/death liability is the amount required by the Motor Vehicles Act
third-party property damage is ₹1,00,000 for scooters/motorcycles (the schedule also allows ₹6,000 where applicable). Owner-driver personal-accident cover is up to ₹1,00,000 for one policy period.
Value awaiting review
Available options include annual package, annual liability-only, 2/3-year package, 2/3-year liability-only, five-year liability-only and five-year package policies for new vehicles, plus bundled one-year own-damage with five-year liability for new vehicles purchased on or after 1 September 2018.
Value awaiting review
Value awaiting review
Liability-only cover provides unlimited third-party death/injury liability and third-party property damage up to ₹1 lakh for scooters/motorcycles. Package cover additionally protects the insured vehicle and accessories against fire, explosion, self-ignition, lightning, burglary, housebreaking and theft.
Exclusions include consequential loss, depreciation, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless the vehicle is damaged at the same time (then liability is limited to 50% of replacement cost), accessory theft without simultaneous vehicle theft, driving under the influence, use outside the geographical area or stated limitations, contractual liability, nuclear risks and war-related events.
Generali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited)
Bank of India distributes the product.
Classic: ₹3 lakh, ₹5 lakh or ₹10 lakh. Platinum: ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹30 lakh or ₹35 lakh. Signature: ₹50 lakh, ₹75 lakh or ₹1 crore.
Minimum entry age is 1 day for children and 18 years for adults. Maximum entry age is 25 years for children and no limit for adults. Maximum renewal age is lifelong for all three plans.
The reviewed BOI page and policy schedule do not state one universal policy duration
the issued schedule and renewal terms control the period.
Premium is plan-, age-, sum-insured- and deductible-dependent
the prospectus publishes discounts (including 7.5% for a two-year term and 10% for a three-year term) but no single universal premium.
The complete waiting-period schedule is not reproduced in the BOI summary
review the current policy wording for illness-, maternity- and pre-existing-condition waiting periods.
Hospitalisation and day-care up to sum insured
pre-hospitalisation 60 days
post-hospitalisation 90 days Classic, 120 days Platinum and 180 days Signature
restoration of sum insured
maternity, newborn, infertility, organ donor, patient care, accidental hospitalisation, ambulance, , wellness, cumulative bonus, bariatric surgery and plan-specific evacuation/overseas treatment.
The complete exclusions list is controlled by the policy wording and is not reproduced in the BOI summary
Generali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited)
Bank of India distributes the product as corporate agent.
Published options are ₹3 lakh, ₹5 lakh and ₹10 lakh under Vital
₹15 lakh, ₹20 lakh and ₹25 lakh under Superior
and ₹50 lakh or ₹1 crore under Premiere.
Minimum age at entry is 1 day for every published sum-insured option
the schedule shows no maximum age at entry and lifelong maximum renewal age.
The policy wording offers a minimum policy period of 1 year and a maximum policy period of 3 years
the issued schedule states the selected period.
Value awaiting review
Initial illness waiting period: 30 days from the first policy commencement (not applicable to renewals or accidents). Pre-existing disease (PED) waiting period: 24 months of continuous coverage, subject to declaration and acceptance
portability can reduce it by prior continuous coverage. Listed disease/procedure waiting periods: 24 months for cataract, benign prostatic hypertrophy, hernia, deviated nasal septum, hypertrophied turbinate, hydrocele, sinus conditions, fistulae/haemorrhoids/fissure, specified gynaecological conditions, internal/external tumours or cysts (other than malignant growth), prolapsed-disc surgery unless accidental, varicose-vein surgery, gastric/duodenal ulcers, urinary/biliary stones, and ear/tonsil surgery
36 months for organ transplant, rheumatoid arthritis, gout, degenerative joint replacement, and age-related osteoarthritis/osteoporosis unless medically necessary due to injury. Maternity waiting: dependent spouse after 3 continuous annual premiums and 24 months' continuous cover
self after 4 continuous annual premiums and 36 months' continuous cover. Waiting periods apply afresh to an increased sum insured to the extent of the increase.
Hospitalisation up to sum insured, day-care treatment, pre- and post-hospitalisation, restoration of sum insured, cumulative bonus, maternity, newborn, organ-donor, ambulance and plan-specific , overseas treatment, vaccination and emergency-evacuation benefits.
The policy excludes or limits investigation/evaluation admissions, rest-cure/rehabilitation, obesity or weight-control treatment outside the stated clinical criteria, change-of-gender treatment, cosmetic or plastic surgery except medically necessary reconstruction, hazardous/adventure sports, breach of law, excluded providers, alcohol/drug or substance-abuse treatment, non-medical items, refractive-error correction below 7.5 dioptres, unproven treatments, birth control/sterility/infertility treatment, war/riot/terrorism and nuclear-risk injuries, circumcision except accident, vaccination except specified benefits, spectacles/contact lenses, non-medical equipment and personal-comfort items. claims have additional limits: excess over the schedule maximum, annual health check-up, in Vital, prescribed medication in Superior, unsupported consultation/diagnostic/referral/prescription costs and non-allopathic treatment. Annexure III separately lists items not covered or subsumed into room, procedure or treatment charges.
Adults: minimum 18 years and maximum 65 years. Children: minimum 91 days and maximum 25 years.
One, two or three years.
Premium is plan-, age-, sum-insured-, tenure- and underwriting-dependent
the reviewed BOI page and schedule do not publish one universal premium amount.
Initial waiting period: 30 days, except accidental hospitalisation. Specific waiting period: 24 or 36 months as applicable. Pre-existing disease waiting period: 36 months. The wording also lists a 3-year waiting period for joint replacement and organ transplant.
In-patient hospitalisation up to sum insured
normal room options from single private room to up to sum insured by plan
up to sum insured
day-care and home-health care
, medical second opinion, organ donor, wellness, modern treatment, cumulative bonus, , maternity, bariatric surgery, accidental hospitalisation, inflation guard, emergency road ambulance, premium payback, emergency medical evacuation and unlimited restoration, subject to plan and schedule.
The complete exclusions schedule is controlled by the policy wording and is not reproduced in the BOI summary
review the current wording and schedule before purchase.
Bank of India distributes the policy and does not underwrite the risk.
Schedule limits vary by plan and option. Daily Commuters options publish accidental death//₹5 lakh/₹10 lakh/₹20 lakh and accidental hospitalisation ₹50,000/₹75,000/₹1,00,000. Business options publish accidental death//₹10 lakh or ₹25 lakh and hospitalisation ₹1,00,000 or ₹2,00,000. Vacations options publish accidental death//₹10 lakh/₹25 lakh or ₹20 lakh and hospitalisation ₹1,00,000 or ₹2,00,000.
Value awaiting review
Daily Commuters: annual basis or 1, 3 or 6 months. Business: annual multi-trip (each trip up to 30 days) or single trip of 1–7 or 8–15 days. Vacations: annual multi-trip (each trip up to 30 days) or single trip of 1–7, 8–15, or 16–30 days.
Premium is plan-, option-, destination-, traveller- and trip-specific
no universal premium amount is published in the reviewed schedule.
Value awaiting review
Home fire/allied-peril and burglary cover: Daily Commuters ₹2 lakh/₹3.5 lakh/₹5 lakh
Business and Vacations ₹2 lakh or ₹4 lakh. Business laptop cover ₹25,000/₹40,000/₹60,000
mobile ₹15,000/₹25,000/₹50,000
proof ₹800/₹1,200/₹2,000
sunglasses ₹1,000/₹1,500/₹2,500
credit-card cover ₹15,000/₹25,000/₹50,000. Vacations laptop/mobile//sunglasses/credit-card benefits are unavailable in options 1–2 and available at the published limits in options 3–4. Vacation trip cancellation is up to ₹1,00,000 or ₹1,50,000
curtailment up to ₹15,000/₹20,000/₹25,000
trip delay ₹7,500 or ₹10,000/₹12,500 with a 6-hour deductible
missed connections train up to ₹3,000/₹5,000 and flight up to ₹5,000/₹7,500
checked baggage up to ₹10,000 or ₹15,000 with item and 10%/20% rules.
The prospectus excludes, among other things, illness except for medical evacuation/repatriation
accidents at home
intentional self-injury or intoxication
crime/riot
non-passenger aviation
racing
pregnancy/childbirth
war, nuclear/radiation and terrorism-related events (subject to the wording’s victim exception)
hazardous activity and adventure sports except stated Vacation-plan accident/evacuation exceptions
medically unnecessary or experimental treatment
claims outside policy or maximum trip period
non-allopathic medicine
cosmetic/plastic surgery
and travel against medical advice or for military operations.
The page publishes 7.5% and 15% discounts for second- and third-year premiums respectively, but does not state one universal policy-term range independent of the quotation.
Premium is quotation-specific and depends on sum insured, deductible, age, plan and optional covers
no universal premium amount is published.
Value awaiting review
In-patient care up to sum insured
room rent up to 1% of base sum insured per day
pre- and post-hospitalisation 60 and 90 days
day-care, alternative and domiciliary treatment
living-donor transplant
e-consultations
emergency ambulance up to ₹1,500 per event
pharmacy/diagnostic services
mental-disorder, / and modern-treatment cover subject to sub-limits.
Wide sum-insured options starting from ₹5 lakh to ₹25 lakh.
Value awaiting review
Value awaiting review
Premium is quotation-specific and depends on the selected plan, sum insured, age, co-payment/deductible choice and underwriting
no universal premium amount is published on the reviewed BOI page.
Value awaiting review
Safeguard is an optional cover providing cashless non-payable-item coverage, no-claim-bonus protection and inflation-proof benefits. The page also describes the ReAssure extension, which triggers with the first claim and can refill cover without an illness or member restriction, subject to terms.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
Bank of India distributes the product as corporate agent.
The reviewed page does not publish a universal sum-assured range
it publishes premium limits instead (₹20,000 minimum for limited-pay options to ₹5 crore maximum).
Entry age 35–65 years (age last birthday), subject to vesting-age rules. Minimum vesting age 55 years and maximum vesting age 70 years (age last birthday).
Published combinations: single premium for a 5-year policy term
single premium for a 10-year policy term
5-year premium-paying term for a 10-year policy term
10-year for a 15-year PT
or 15-year for a 20-year PT.
Minimum annual premium: ₹1,00,000 for single-premium
₹30,000 for 5-year limited
₹20,000 for 10-year and 15-year limited . Maximum premium: ₹5 crore for single/annual premium.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
BOI distributes the policy as corporate agent.
Not separately applicable as a sum-insured amount: Saral Pension is a single-premium immediate annuity. Minimum purchase price is the amount required to provide the selected minimum annuity
maximum purchase price has no limit.
Annuitant age last birthday must be at least 40 years and not more than 80 years at application.
Single premium whole-life annuity
no fixed maturity term. Annuity may be paid yearly, half-yearly, quarterly or monthly, commencing after one year, six months, three months or one month respectively.
Minimum purchase price is the amount needed to provide the selected minimum annuity
maximum purchase price has no limit. Minimum annuity is ₹12,000 yearly, ₹6,000 half-yearly, ₹3,000 quarterly or ₹1,000 monthly.
No waiting period is published for annuity income. Payments commence after one year, six months, three months or one month according to the yearly, half-yearly, quarterly or monthly mode selected
these are payment intervals, not a claims waiting period.
Two annuity options: life annuity with return of 100% purchase price, or joint-life last-survivor annuity with return of 100% purchase price after the last survivor’s death
no medicals
loan after six months
surrender after six months only on diagnosis of one of 20 specified critical illnesses
surrender value is 95% of purchase price less outstanding loan and interest.
The brochure states no separate suicide exclusion for this annuity product
death treatment is the same for normal and suicidal death. Full critical-illness definitions and exclusions are in pages 5–10 of the brochure.
Star Union Dai-ichi Life Insurance Company Limited (SUD Life)
BOI distributes the policy as corporate agent.
Minimum sum assured is 125% of single premium for the base plan and 125% of top-up premium for top-ups. Maximum sum assured as a multiple of single premium depends on entry age: 4.00× at ages 8–30
3.00× at 31–35
2.00× at 36–45
1.75× at 46–50
1.50× at 51–55
1.25× at 56–60.
Minimum 8 years and maximum 60 years (age last birthday).
Value awaiting review
The product uses a single premium, but no universal minimum or maximum amount is published on the reviewed BOI page.
Value awaiting review
Wealth growth through one-time investment and assured financial assistance to family on death
sum assured varies by entry age and single premium.
Bank of Maharashtra's current page names of India under an MOU dated 20 April 2015
the DFS scheme also permits other participating life insurers. The bank page does not state that is exclusive for every current enrolment.
₹2,00,000 payable to the nominee on death due to any cause, subject to the initial lien and one-account rule.
18–50 years at enrolment
annual renewal may continue until age 55 (age near birthday), subject to the scheme rules.
One year, from 1 June to 31 May
renewable annually when consent, eligibility and premium debit continue.
₹436 for a full year. First-time mid-year enrolment: ₹342 for September–November, ₹228 for December–February or ₹114 for March–May
June–August enrolment and each full-year renewal use ₹436.
For a new enrolment or rejoining, death from a cause other than accident during the first 30 days from risk commencement is not payable
the lien does not apply on later renewals.
Death from any cause, with ₹2,00,000 payable to the nominee
non-accidental death is subject to the 30-day initial lien.
Non-accidental death in the first 30 days after new enrolment or rejoining is not payable. Outside that lien, the scheme covers death due to any cause, including suicide and murder. It has no maturity benefit or surrender value
duplicate enrolments are limited to one ₹2,00,000 cover and duplicate premiums may be forfeited.
Generali Central Insurance Co Ltd, The New India Assurance Co Ltd and Bajaj General Insurance Limited.
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
Property, motor, health (group and individual), personal, fire, burglary, engineering, package, travel, pet and cattle insurance are listed across Generali Central, New India Assurance and Bajaj General partners.
Aditya Birla Sun Life Insurance Company Limited (ABSLI).
Base cover minimum ₹5,000 with no stated upper cap, subject to the maximum sanctioned loan amount.
18–60 years
maximum exit age 75 years for each listed segment.
Minimum 1 year and maximum 30 years, or the loan repayment period, whichever is earlier.
Value awaiting review
Value awaiting review
Term-loan cover uses reducing balance based on the debt schedule
overdraft/cash-credit cover uses level balance. The claim is the outstanding loan amount for the month of death. Cover may be surrendered after foreclosure or prepayment when no claim has been made, subject to policy terms.
Universal Sompo General Insurance, United India Insurance (UIIC), Chola MS General Insurance and Niva Bupa Health Insurance.
Policy-level sums insured and health limits are not published on the catalogue page
the selected product and insurer determine them.
No common entry-age rule is published
each insurer and policy sets eligibility.
No common policy-term range is published
term follows the selected product and insurer.
Premium amounts are not published
partner quotations and product terms determine the price.
No common waiting period is published
policy wording for the selected health or other product controls it.
Published product families include fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel, household goods, group health, cyber, farmer care, loan-secure critical illness, accident, gold-loan customer and business-shield covers. Niva Bupa also lists My Health Secure, Sehat Suraksha, Group Criti Care and Super Top Up.
Plan-specific published minima: Super Saver minimum sum assured ₹2,20,000
Century minimum sum assured ₹2,40,000 for 10/12/15-pay and ₹6,00,000 for 5–9-pay. Maximum cover is underwriting-based on both pages. Mera Term and Guaranteed Future cover is selected under their plan rules.
Plan-specific: Super Saver starts at 0 (30 days) for Savings and 18 for Savings + Family Care/Health Care
Immediate Annuity starts at 0 or 30 for standalone/tied single-life options and 18 or 40 for joint-life options
Century starts at 0 (30 days) without Family Care or 18 with it. The portfolio has no single universal entry age.
Plan-specific: Super Saver publishes 10–20 years for 5/7-pay, 11–20 years for 10-pay, 13–20 years for 12-pay, 16–20 years for 15-pay, and 10/12/15 years for regular pay. Century matures at age 80 or 100 depending on option
Mera Term offers whole-life cover to age 99 or a chosen coverage term
Immediate Annuity pays for life.
Plan-specific published minima: Super Saver minimum annualised premium ₹50,000 (5-pay), ₹35,000 (7-pay), ₹25,000 (10-pay), and ₹20,000 (12/15-pay or regular pay)
Century minimum annualised premium ₹60,000 (5–9-pay) or ₹24,000 (10/12/15-pay)
Immediate Annuity minimum purchase price ₹3,00,000 for most options or ₹5,00,000 for increasing-life options.
Value awaiting review
Child education, term insurance, long-term savings and retirement plans.
maximum entry age 70 years for a ₹5 lakh deductible
1, 2 or 3 years
General publishes a per-member premium matrix by age, deductible and sum insured
the official chart covers sum insured from ₹1 lakh to ₹50 lakh and deductible from ₹1 lakh to ₹10 lakh. Rates are shown excluding , with separate family, term and direct-business discounts and tobacco/smoking loadings.
30 days for general illnesses
12 months for specified diseases
36 months for pre-existing conditions
Top-up hospitalisation protection subject to the selected deductible, sum insured and policy exclusions
The current product page lists pre-existing diseases during the first 3 years, specified conditions during the first year, treatment outside India, outpatient treatment, experimental or unproven treatment, cosmetic or plastic surgery and change-of-gender treatment as exclusions
Published options include ₹2,00,000 for ₹100 premium, ₹4,00,000 for ₹200, ₹10,00,000 for ₹500 and ₹20,00,000 for ₹1,000
premiums include service tax as applicable.
Permanent Indian resident aged 18 to 65 with an Savings Bank Account or Individual Current Account.
Value awaiting review
₹100 for ₹2 lakh cover
₹200 for ₹4 lakh
₹500 for ₹10 lakh
₹1,000 for ₹20 lakh, including applicable service tax as stated on the product page
No waiting period.
↓
Accidental Death and Permanent Total Disability are mandatory. Selectable combinations can also include Permanent Partial Disability and Temporary Total Disability
one accident pays only the largest admissible benefit, subject to the policy sum insured.
The policy excludes pre-existing disability/disease complications
suicide or self-inflicted injury
sexually transmitted conditions, mental/nervous disorders, anxiety, stress or depression
/
military/armed-forces service
alcohol/drug/intoxicant abuse
felony, riot, crime or civil commotion
aircraft operation/learning or non-passenger aviation
30 days for illnesses (not applicable to continuous renewal or accidents)
24 months for pre-existing diseases and listed specific illnesses
24 months for bariatric surgery, maternity/child care and global cover
12 or 24 months for vision correction as opted
90 days for critical illness.
Hospitalisation, pre/post-hospitalisation, day care, , modern treatment, ambulance, organ donor and optional lifestyle covers
lifelong renewability
The issuer's illustrative exclusions include investigation/evaluation, rest cure or rehabilitation, obesity/weight control, change-of-gender treatment, cosmetic or plastic surgery, hazardous or adventure sports, breach of law, excluded providers, alcohol or substance abuse, wellness/rejuvenation, dietary supplements, refractive error, unproven treatment, sterility/infertility and maternity unless the specific cover is opted. The policy wording controls the complete list.
Adults: 18–65 for hospitalization, critical illness, hospital daily cash and personal accident. Children: hospitalization and hospital daily cash from 91 days/1 day to 25 years
critical illness 18–25
personal accident 5–25.
No single fixed duration is published in the reviewed prospectus or policy wording
the certificate or schedule sets the policy period. The prospectus states that the policy can be renewed for lifetime, subject to the product remaining available and policy conditions.
Published rate-chart premiums vary by age band, base sum insured and family/floater combination. Separate tables also price optional maternity/newborn, hospital daily cash, critical-illness and personal-accident benefits
listed amounts are stated excluding unless the table says otherwise.
Critical-illness signs or symptoms must first commence at least 90 days after the policy period starts.
Group health cover can include inpatient hospitalisation, pre/post-hospitalisation, day care, domiciliary care, , organ donor, reinstatement, genetic/internal congenital conditions, / and advanced treatments. Optional covers include maternity/newborn, outpatient, aggregate deductible, co-pay, critical illness, hospital cash and personal accident
schedule-selected limits apply.
The policy excludes or limits non-medically-necessary care, non-listed or experimental treatment, cosmetic procedures except covered accident reconstruction, treatment outside policy terms, and other exclusions and room-charge sub-items listed in the wording and annexures
The official product page publishes lifelong renewability but does not state one fixed policy-term duration
the issued policy schedule controls the period of cover.
The current prospectus illustrates standard premiums (before loading and taxes) for a family of six: ₹71,373 floater /₹81,488 separately insured at ₹5 lakh Elite
₹85,974 /₹1,06,590 at ₹10 lakh Premier
₹1,05,731 /₹1,35,496 at ₹15 lakh Platinum
and ₹1,67,682 /₹2,31,976 at ₹50 lakh Platinum Infinite. These are illustrations, not a universal quote.
30 days for general illnesses
1–2 years for specified diseases and pre-existing conditions
Inpatient and domiciliary hospitalisation, global medical treatment, unlimited re-insure benefit, annual health check-up, , day care, ambulance and organ-donor expenses
lifelong renewability
The prospectus excludes investigation/evaluation, rest cure or custodial care, obesity surgery outside the stated clinical criteria, change-of-gender treatment (subject to the Transgender Persons Act), cosmetic or plastic surgery except qualifying reconstruction, professional hazardous sports, breach of law, excluded providers, alcohol/drug or substance abuse, wellness establishments, non-prescription dietary supplements, refractive error below 7.5 dioptres, unproven treatment, sterility/infertility and maternity unless the maternity option applies. Specific exclusions also include war, nuclear/chemical/biological attack and treatment outside India unless the selected plan covers it.
Premium varies based on the selected sum insured, age and plan variant
the issuer does not publish one universal premium amount on the product page.
30 days for general illnesses
24 months for specified diseases and pre-existing conditions
Cumulative-claims top-up cover including inpatient, pre/post-hospitalisation, day care, organ donor, modern treatment, , domiciliary and home health care
The official product page and customer information sheet list investigation and evaluation, rest cure/rehabilitation, obesity or weight control, change-of-gender treatment, cosmetic or plastic surgery, hazardous or adventure sports, breach of law, excluded providers, substance abuse and alcohol, wellness and rejuvenation, dietary supplements, refractive error, unproven treatment, sterility/infertility and maternity (unless the maternity benefit is opted). The policy wording remains the complete list.
Section A medical expenses including evacuation and repatriation: $50,000 to $500,000. Personal accident is 10% of the chosen Section A limit, capped at $25,000
travel support is $2,000 on a floater basis.
6 months to 70 years
for Indian residents taking bona fide overseas business or holiday trips, and foreign nationals working in India.
Single trip: 1–180 days and non-renewable. Multi trip: multiple trips within 1 year and renewable yearly.
General publishes a single-trip premium matrix by age band, geography, trip duration and Section A cover. Examples for $50,000 cover: ₹541 (age 6 months–40, worldwide excluding /Canada, 7 days)
₹707 (same age, worldwide, 7 days)
₹1,091 (age 61–70, worldwide, 7 days). The complete 13-page rate chart provides the selectable combinations.
Not applicable
Emergency medical expenses, evacuation and repatriation, personal accident, travel support, personal liability, cash advance, trip delay, loss of passport and home burglary
The lists pre-existing disease, travel against a physician's advice, unlicensed aircraft, specified hazardous or professional sports, certain two-wheeler accidents without the required licence/helmet and breach of law. The policy wording controls the complete exclusion list.
₹10,000 sum assured per member for gratuity, leave encashment, superannuation, post-retirement medical benefit and other savings schemes
the master policyholder may instead insure the scheme-defined death benefit under the OYRGTA product
Minimum age at entry 1 year
maximum age at entry is as per the scheme rules. Maturity age is also as per scheme rules.
One year, renewable annually.
₹5,000 minimum contribution at inception
the official page does not publish a maximum contribution.
Value awaiting review
Group fund-based life insurance for gratuity, leave encashment, superannuation, post-retirement medical benefit schemes and other savings schemes
scheme benefits follow defined-benefit, defined-contribution or hybrid rules
Suicide exclusion is not applicable. Cover can lapse when the policy-account value is insufficient to recover mortality charges and recommences once sufficient value is available. Member cover also ends on scheme-defined retirement/exit, cessation of employment, death, master-policy surrender/termination or maximum cover-ceasing age under scheme rules.
₹10 lakh to ₹60 lakh in ₹5 lakh choices, subject to board-approved underwriting
Minimum 18 years and maximum 50 years
age is measured on the last birthday.
10 years.
Regular premiums are payable for the same 10-year period as the policy term.
No general illness waiting period is published for this term plan. A 12-month suicide exclusion applies from risk commencement or revival
the policy document specifies the limited refund treatment during that period.
For an in-force policy, the lump-sum sum assured on death is the highest of the sum assured, 11 times annualized premium, or 105% of total base-product premiums paid up to death. Annualized premium excludes taxes, rider premiums, underwriting extras and modal loading.
Death by suicide within 12 months from policy commencement or revival is subject to the policy's limited refund rule rather than the normal death benefit.
Entry age: 5–50 years. Maturity age: 18–65 years (age last birthday).
Regular pay: 10–30-year policy term, with payment term equal to policy term. Limited pay: 15–30-year policy term, with 7-year or 10-year payment term.
₹36,000 yearly or ₹3,000 monthly. Maximum: no limit, subject to Life's board-approved underwriting policy.
Value awaiting review
Life insurance cover, online buying, no premium allocation charge and a choice of two investment strategies
If the Life Assured commits suicide within 12 months from commencement of policy or revival, the death benefit is not paid. The fund value on the date of death intimation is paid to the claimant, and risk cover ceases
charges other than Fund Management Charges recovered after death are added back to the fund value.
Basic Sum Assured: ₹58,000 minimum (based on minimum annualized premium) to ₹9,11,000 maximum (based on maximum annualized premium)
a ₹25,00,000 per-life cap applies to policies sold through and .
30 days to 50 years
maximum maturity age 65 years
Policy term 12, 15 or 20 years
premium payment term 6, 7 or 10 years respectively
₹12,000 to ₹75,000 per life
No general illness waiting period is stated in the official product page, brochure or . The 12-month suicide clause is an exclusion period, not a medical waiting period.
5.5% simple rate for annualised premium below ₹30,000 and 6.0% simple rate at or above ₹30,000, with life cover throughout the policy term
Suicide exclusion: if the life assured dies by suicide within 12 months from commencement of risk or revival, the death benefit is not paid
while the policy is in force, the claimant receives the higher of 80% of premiums paid or the surrender value available on the date of death.
Death cover is the higher of the Fund Value plus a 1.5% Terminal Addition or 105% of Total Premiums Paid (including eligible top-ups). On maturity/vesting, the cover is the Fund Value plus a 1.5% Terminal Addition
proceeds are used for annuity/commutation as permitted by regulations.
Entry age: 20 to 60 years. Maturity/vesting age: 30 to 70 years (age last birthday).
Single premium: 10–35 years. Regular premium: premium-payment term equals the policy term. Limited premium: 5–8 payment years for a 10–35-year term
10 payment years for a 15–35-year term
or 15 payment years for a 20–35-year term.
Regular: ₹30,000 yearly, ₹15,000 half-yearly or ₹3,000 monthly. Limited: ₹40,000 yearly, ₹20,000 half-yearly or ₹5,000 monthly. Single: ₹1 lakh. Maximum: no limit, subject to Life's board-approved underwriting policy.
Value awaiting review
Retirement corpus through 7 market-linked funds, loyalty additions and a terminal addition
Suicide exclusion applies when death occurs within 12 months from policy commencement or revival: the nominee receives the Fund Value at death-intimation date and eligible post-death charges other than Fund Management Charges are added back. market-risk and regulatory conditions also apply.
The free-cover limit is the sum assured available without individual risk assessment in eligible compulsory non-contributory schemes
cover above it requires satisfactory evidence of insurability and written acceptance.
Employer–employee group members: 18 to 79 years at entry
maximum cover-ceasing/maturity age is 80 years. For cover in lieu of , the scheme rules determine the applicable age limits.
One-year renewable group life cover
the master policy renews annually, subject to its schedule and terms.
Value awaiting review
The policy schedule provides selectable waiting-period options of Not Applicable, 30 days, 45 days or 60 days
the applicable option is set in the issued master-policy schedule or certificate.
Life cover under the applicable Sampoorn Suraksha policy
For compulsory employer–employee schemes, the suicide exclusion does not apply. For other schemes, death by suicide within 12 months from the insured member’s risk commencement does not pay the death benefit
the claimant receives 80% of total premiums paid (excluding extra premium and explicitly collected taxes) while cover is in force. The accepted quotation and master-policy wording control the applicable clause.
Regular and limited pay: 10× annualized premium. Single pay: 1.25× single premium.
Entry age: 2–55 years. Maturity age: 18–70 years (age last birthday). For a minor life, the selected term must ensure majority at maturity.
Regular pay: 15–30 years, with payment term equal to policy term. Limited pay: 15–30 years with 7/10/12-year payment term, or 20–30 years with 15-year payment term. Single pay: 5–30 years with one payment at inception.
Regular pay: ₹40,000–₹2.5 lakh yearly. Limited pay: ₹50,000–₹2.5 lakh yearly. Single pay: ₹65,000–₹2.5 lakh. Maximum is subject to Life's board-approved underwriting policy.
No separate general disease or life-cover waiting period is published. For the in-built Accident Benefit, accidental death must occur within 180 days of an accident during the policy term, and accidental total permanent disability must persist for at least 180 days to establish permanence.
Guaranteed additions linked to policy term, multiple investment options and life cover
Suicide within 12 months of policy commencement or revival: the fund value at death intimation is paid, risk cover ceases and post-death non-FMC charges are added back. Accident Benefit exclusions cover infection except qualifying external wounds, alcohol/solvent/drug abuse except medically directed use, self-inflicted injury, criminal acts, war or civil commotion, specified military/police service, nuclear contamination, non-commercial aviation and hazardous or professional sports/pastimes.
Minimum basic sum assured is 10 times annualised premium.
Entry age: 30 days to 55 years
maximum maturity age: 100 years. Age is measured as age last birthday.
Policy term equals 100 minus age at entry. Choose a 10-, 12- or 15-year premium-payment term.
Minimum annualised premium is ₹30,000, in multiples of ₹1,000
maximum is subject to board-approved underwriting. Yearly, half-yearly and monthly modes are available. Monthly is 8.50% and half-yearly 51.0% of annualised premium.
Value awaiting review
Guaranteed survival income starts at the end of the premium payment term
non-guaranteed cash bonus, if declared, may be payable from the end of the seventh policy year
If the Life Assured commits suicide during the policy term within 12 months from commencement of risk or revival, the death benefit is not paid. For an in-force base policy, Life pays 80% of total premiums paid from commencement of risk, or the higher of 80% of total premiums paid and surrender value when the event follows revival
Regular or limited premium: 7 times annualised premium. Single premium: 1.25 times single premium.
Regular/limited premium entry age: 8–55 years
single premium: 13–55 years
maturity age: 18–70 years.
Regular premium: 10–30 years, with premium-payment term equal to policy term. Limited premium: 15–30 years, with a premium-payment term from 5 years to one year less than the policy term. Single premium: 5–30 years.
₹6,00,000 yearly
₹3,00,000 half-yearly
₹1,50,000 quarterly
₹50,000 monthly
or ₹6,00,000 single pay
Not published as a separate general disease or claim waiting period in the reviewed product page, brochure and policy document. The policy instead publishes a five-year lock-in and a 12-month suicide exclusion
neither is a general medical waiting period.
Life cover, 12 fund choices, loyalty additions from the end of the sixth policy year, unlimited free switches and partial withdrawals from the sixth policy year or age 18, whichever is later
If suicide occurs within 12 months from commencement or revival, the nominee or beneficiary receives fund value available on the date the death claim is intimated. Charges other than fund-management charges deducted after death are added back.
Limited-pay or regular-pay: 10 × annualised premium. Single-pay: 1.25 × single premium. The policy schedule sets the issued rupee amount and underwriting limits apply.
Parent/life assured: 18 to 50 years at entry
child: 0 to 17 years at entry. At maturity the child must be at least 18 and may be up to 25
parent maximum maturity age is 65.
8 to 25 years, subject to the child being at least 18 years old at maturity. Premium paying term: single pay once
limited pay 5 years to policy term minus 1 year
regular pay equal to the policy term.
Minimum premium: single pay ₹75,000
yearly ₹50,000
half-yearly ₹25,000
quarterly ₹15,000
monthly ₹5,500. Single-pay maximum is not capped on the page and remains subject to Board-approved underwriting.
No separate general disease or claim waiting period is published in the reviewed page and policy booklet. The policy does publish a five-year lock-in, a 12-month suicide exclusion, and a 180-day persistence/claim timing rule for accidental total and permanent disability
these are not general medical waiting periods.
Death benefit is the higher of Sum Assured or 105% of total premiums paid
future premiums are waived after death of the life assured and the fund value is paid at maturity. Accidental death adds the Accident Benefit Sum Assured
accidental total and permanent disability pays that amount in 10 yearly instalments. The plan also provides loyalty additions, 10 fund options and partial withdrawals from the 6th policy year.
Suicide within 12 months of commencement or revival pays only fund value
the Accident Benefit excludes infection except from an accidental external wound, alcohol/solvent or non-prescribed drug use, intentional self-injury or attempted suicide, criminal acts, war/civil commotion/strikes/riots, military or police operations, nuclear contamination, aviation other than a commercially licensed passenger, and hazardous sports or pastimes such as diving, racing, martial arts, hunting, mountaineering, parachuting and bungee-jumping.
Minimum sum assured is ₹2,00,00,000 in ₹1,00,000 multiples. The maximum is not fixed on the product page and is subject to the Board-approved underwriting policy. Sum Assured on Death is the highest of the absolute amount assured, 11 × annualised premium or 105% of total premiums paid
increasing cover rises by 10% at the end of every 5th policy year up to 100% of the original sum assured, with no further increase after age 71.
Minimum entry age 18 years
maximum entry age 60 years. Maximum maturity age is 85 years.
Minimum policy term 10 years
maximum is 85 years minus age at entry. Regular premium term equals the policy term. Limited premium options are 5, 10, 15, 20 or 25 years, with policy-term combinations constrained by the published table.
Minimum premium: ₹9,500 yearly, ₹4,500 half-yearly or ₹800 monthly. Maximum premium is not capped on the page and is subject to Board-approved underwriting. Half-yearly premium is 51% of annualised premium
monthly is 8.50% of annualised premium.
No separate general medical or claim waiting period is published in the reviewed product page or policy document. The only time-based claim restriction published is the 12-month suicide exclusion from commencement of risk or revival
normal cover applies once risk starts and the policy is in force.
Level Cover keeps the original sum assured level
Increasing Cover adds 10% at the end of every 5th policy year up to 100% of the original sum assured, stopping after age 71. Death benefit is payable during the in-force policy term. No maturity benefit is payable. Optional Life Accident Benefit Rider offers accidental-death and accidental-partial-permanent-disability options.
Suicide within 12 months from commencement of risk or revival is excluded from the death benefit
the claimant receives the higher of 80% of total premiums paid or the Unexpired Risk Premium Value, provided the policy is in force. The pure-risk policy has no other general exclusion list on its product page
the optional Accident Benefit Rider has separate terms and exclusions.
91 days in a floater with one member aged 18 or above.
Value awaiting review
30 days for illness except accidental injury
24 months for named ailments
48 months for pre-existing disease
Wider pre/post-hospitalisation, no room-rent cap, automatic recharge, unlimited network GP e-consultation, road ambulance and organ-donor cover up to sum insured
The reviewed Care pages/brochure list non-medical items, diagnostic-only admissions, cosmetic surgery (except medically necessary reconstruction), hazardous sports, criminal-law breaches, self-inflicted injury, alcohol/drug abuse, external congenital conditions, infertility treatment and war/riot/nuclear risks
Medical and non-medical limits are selected by destination and plan
no common sum-insured amount is published in the reviewed brochure
No universal age threshold is published in the reviewed Explore catalogue/brochure
traveller age is a quotation and plan-rating input
Multi-trip maximum trip duration options: 15, 21, 30, 45, 60 or 90 days
single-trip policy period up to 365 days
Value awaiting review
No general waiting period is published for the reviewed travel plans
event definitions, exclusions and notification conditions in the policy wording apply
Emergency hospitalisation, medical evacuation, common-carrier accidental death, dental injury, trip cancellation/interruption/delay, baggage loss or delay, loss of passport, personal liability and return of minor child
The Explore brochure lists alcohol/drug use, war or nuclear perils, intentional self-injury/suicide, hazardous activities and breach of law among exclusions
floater: 91 days with at least one insured person aged 18 or above
adult entry is lifelong and child maximum is 24 years
Minimum entry age 5 years for an individual policy
91 days for a floater when one member is at least 18 years old.
Value awaiting review
30 days for illnesses except injury
24 months for named ailments
48 months for pre-existing disease
Automatic recharge, annual health check-up, maternity cover up to ₹1 lakh on ₹50/₹60/₹75 lakh options, more than 540 day-care treatments, Ayush cover and Care Anywhere for specified treatments
The reviewed Care pages/brochure list non-medical items, diagnostic-only admissions, cosmetic surgery (except medically necessary reconstruction), hazardous sports, criminal-law breaches, self-inflicted injury, alcohol/drug abuse, external congenital conditions, infertility treatment and war/riot/nuclear risks
Medical and non-medical limits are selected by destination and plan
no common sum-insured amount is published in the reviewed brochure
No universal age threshold is published in the reviewed Explore catalogue/brochure
traveller age is a quotation and plan-rating input
1 month to 3 years
Value awaiting review
No general waiting period is published for the reviewed travel plans
event definitions, exclusions and notification conditions in the policy wording apply
Medical, travel and non-medical benefits with optional university-compliance covers
laptop/tablet loss, sponsor protection, bail bond and accidental benefits are listed
The Explore brochure lists alcohol/drug use, war or nuclear perils, intentional self-injury/suicide, hazardous activities and breach of law among exclusions
The reviewed Enhance catalogue does not publish one universal age band
age, deductible, sum insured and underwriting determine acceptance
No universal policy-term range is published for Enhance on the reviewed catalogue page
the selected deductible/top-up plan schedule controls duration
Value awaiting review
No plan-level waiting-period schedule is published on the reviewed Protect Shield Plus page
policy wording and insurer underwriting control waiting or exclusion conditions
Annual health check-up, cashless treatment, claim settlement by the insurer and selected treatment worldwide through Enhance Anywhere
The reviewed Enhance section lists pre-existing ailment/injury during the first 48 months, illness in the first 30 days except accidents, non-allopathic treatment, self-inflicted injury, alcohol/drug or tobacco use, routine eye/ear and external appliances, childbirth (except ectopic pregnancy), external congenital disease and sterility/infertility treatment
Star Union Dai-ichi Life Insurance Company Limited
₹1 crore minimum to ₹2 crore maximum, in multiples of ₹25 lakh
The reviewed Enhance catalogue does not publish one universal age band
age, deductible, sum insured and underwriting determine acceptance
No universal policy-term range is published for Enhance on the reviewed catalogue page
the selected deductible/top-up plan schedule controls duration
Value awaiting review
No plan-level waiting-period schedule is published on the reviewed Protect Shield Plus page
policy wording and insurer underwriting control waiting or exclusion conditions
Lump-sum death benefit and life protection at nominal cost
policy may provide tax benefits under Sections 80C and 10(10D), subject to prevailing law
The reviewed product page does not publish a plan-level exclusion list
the policy wording, proposal and insurer underwriting control exclusions
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Accident Care Individual Insurance PolicyBank of Baroda
Arogya Sanjeevani Policy - NationalBank of Baroda
Auto Secure Two-Wheeler Package Policy - TATA AIGBank of Baroda
CholaMS Group Health InsuranceBank of Baroda
Diabetes Safe Insurance PolicyBank of Baroda
Family Health Optima Insurance PlanBank of Baroda
IndiaFirst Life Money Balance PlanBank of Baroda
IndiaFirst Life Radiance Smart Invest PlanBank of Baroda
IndiaFirst Life Saral Bachat Bima PlanBank of Baroda
IndiaFirst Life Smart Pay PlanBank of Baroda
IndiaFirst Life Smart Retirement PlanBank of Baroda
IndiaFirst Life TULIP PlusBank of Baroda
IndiaFirst Life Wealth Maximizer PlanBank of Baroda
Medi Classic Insurance Policy (Individual)Bank of Baroda
National Mediclaim Plus PolicyBank of Baroda
National Mediclaim PolicyBank of Baroda
National Parivar Mediclaim Plus Policy (Floater Policy)Bank of Baroda
National Super Top Up PolicyBank of Baroda
Personal Accident - National InsuranceBank of Baroda
Senior Citizens Red Carpet Health Insurance PolicyBank of Baroda
Shopkeepers Insurance - National InsuranceBank of Baroda
Star Cancer Care Gold (Pilot Product)Bank of Baroda
Star Cardiac Care Insurance PolicyBank of Baroda
Star Comprehensive Insurance PolicyBank of Baroda
Star Travel Protect Insurance PolicyBank of Baroda
Super Surplus Insurance PolicyBank of Baroda
Tata AIG MedicareBank of Baroda
Tata AIG Travel Insurance International PlusBank of Baroda
Two Wheeler - National InsuranceBank of Baroda
SBI General Arogya Top-Up PolicyState Bank of India
SBI General Health AlphaState Bank of India
SBI General Super HealthState Bank of India
SBI General Super Top-UpState Bank of India
SBI General Travel Insurance — Business & HolidayState Bank of India
SBI Life CapAssure GoldState Bank of India
SBI Life eWealth PlusState Bank of India
