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Personalized Premium Illustration
Name: Mr & Mrs Panda
Age: 37-38 Years
City: Cuttack
Family Members: 2 Adult
How much does each insurer pay back in claims?
Highest payout
HDFC Ergo
₹85paid per
₹100 collected
₹100 collected
ICICI Lombard
₹82paid per
₹100 collected
₹100 collected
Tata AIG
₹80paid per
₹100 collected
₹100 collected
Niva Bupa
₹59paid per
₹100 collected
₹100 collected
Source: IRDAI Annual Report 2023-24 · Incurred Claim Ratio
Premium Breakdown — Option 1
Plan: HDFC Ergo Optima Secure+ | Sum Insured: 10 Lacs | Deductible: Zero| Item | Price (₹) | Remarks |
|---|---|---|
| Base Premium | ₹18,132 | ₹14052 for 25K Ded |
| Unlimited Restoration | — | Included by default |
| Limitless Rider | — | Not Available |
| Infinte Benefit (Unlimited Bonus) | — | Included by default |
⭐ Top Selling Plan
Premium Breakdown — Option 2
Plan: HDFC Ergo Optima Secure+ | Sum Insured: 25 Lacs | Deductible: Zero| Item | Price (₹) | Remarks |
|---|---|---|
| Base Premium | ₹20,574 | ₹17488 for 25K Ded |
| Unlimited Restoration | — | Included by default |
| Limitless Rider | — | Not Available |
| Infinte Benefit (Unlimited Bonus) | — | Included by default |
Premium Breakdown — Option 3
Plan: Niva Bupa Reassure 3.0 Black | Sum Insured: Unlimited | Deductible: Zero| Item | Price (₹) | Remarks |
|---|---|---|
| Base Premium | ₹16,030 | Mandatory |
| Safeguard Plus | ₹2,004 | Recommended |
| Health Check Ups | ₹688 | Optional |
Premium Breakdown — Option 4
Plan: Tata Medicare Premier | Sum Insured: 25 Lacs | Deductible: Nil| Item | Price (₹) | Remarks |
|---|---|---|
| Base Premium | ₹30,999 | Mandatory |
| Unlimited Restoration | ₹871 | Mandatory |
| Inflation Protect | ₹311 | Mandatory |
| Cummulative Bonus Shield | ₹498 | Mandatory |
Premium Breakdown — Option 5
Plan: ICICI Lombard Elevate | Sum Insured: 25 Lacs | Deductible: Nil| Item | Price (₹) | Remarks |
|---|---|---|
| Base Premium | ₹16,118 | Mandatory |
| Power Booster | ₹1,529 | Recommended |
| Consumables | ₹835 | Recommended |
| Infinite Care | ₹382 | Recommended |
| Two-Hour Hospitalistaion | ₹826 | Mandatory |
| Room Modifier | ₹765 | Recommended |
| Health Check Ups | ₹1,250 | Recommended |
💡 Bigger covers come cheap !!
Small increase in premium, significantly larger protection
Option 1 — HDFC Ergo Optima Secure+
Current choice
10 Lacs
₹18,132/yr
25 Lacs
+₹2,442/yr
Total ₹20,574
↗
50 lacs
+₹4,310/yr
Total ₹22,442
↗
100 Lacs
+₹6,199/yr
Total ₹24,331
↗
200Lacs
+₹11,126/yr
Total ₹29,258
↗
Amounts shown are base premium difference only. Rider costs are not included.