What changes your premium
- Age at entry — every year of delay costs more, permanently
- Sum assured and policy term
- Tobacco or nicotine use in any form
- Health history, BMI, family medical history and occupation
- Riders such as accidental death or critical illness
Estimate your premium
Indicative annual premium (incl. GST)
₹11,426
About ₹952 a month for ₹1,00,00,000 of cover over 30 years.
This is an indicative estimate generated by a generic formula, not a quotation from any insurer, and does not represent the premium of any specific product. Actual premiums are determined by the insurer after underwriting.
How to decide the right cover amountFrequently asked questions
Is this an exact premium quote?
No. It is an indicative estimate for a pure term plan. Your actual premium depends on age, health, smoking status, occupation, income and the insurer's underwriting decision.
Why do smokers pay more?
Mortality data shows a materially higher risk, so insurers price tobacco users higher — often 40 to 80 percent above a non-smoker of the same age.
How do I get an exact quote?
Share your date of birth, cover required, term and smoking status and I will send an exact illustration from the insurer, usually the same day.