Health Insurance Super Saver Plans
                     0 Claim.
80% Gain.
GET 80%DISCOUNT
HEALT ON YOUR NEXT PREMIUM 
H FOR  A CLAIM FREE YEAR.
SUPER 
SAVER
WHAT IS HEALTH  
SUPER SAVER?
Health Super Saver is a health insurance product with 
 a unique benefit of ‘Super Saver Discount’!
The product includes 2 plan variants:
HEALTH SUPER SAVER 1X PLAN
HEALTH SUPER SAVER 2X PLAN
WHAT IS SUPER  
SAVER DISCOUNT?
• It is a Discount of 80% on applicable premium, which is offered to the insured in case the 
initial years of plan tenure  is claim free.
• Health Super Saver 1X plan - In case, your first year of plan tenure is claim free, you are 
eligible for Super Saver  discount of 80% in the consecutive year of the plan.
• Health Super Saver 2X plan - In case, your first 2 years of plan tenure is claim free, you are 
eligible for Super Saver  discount of 80% for next consecutive 2 years in the plan or up to 
first claim.
• In case there is no claim paid for an insured in an individual policy, the Super Saver 
discount would be applied for that  respective individual’s premium only.
• In case there is no claim paid for any of the insureds covered under the floater policy, the 
Super Saver discount would  be applied on total policy premium. In case of claim paid for 
any insured under the floater policy, the Super Saver  discount will not be applicable.
• For the purpose of the Super Saver discount calculation, paid claim and outstanding claims 
are considered.
BENEFITS
 80% discount on the next premium for a claim free year
 Wider coverage for the whole family
Sum insured on an individual and floater basis
 Installment option available for Premium
Free Look Period
1. The insured will be allowed a period of at least 15 days from the date of receipt of the policy to review the terms and 
conditions  of the policy and to return the same if not acceptable.
2. If the insured has not made any claim during the free look period, the insured shall be entitled to:
i. A refund of the premium paid minus any expenses incurred by the Insurer on medical examination of the insured 
and  the stamp duty charges or;
ii. Where the risk has already commenced and the option of return of the Policy is exercised by the policyholder, a 
deduction  towards the proportionate risk premium for period on cover or;
iii. Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during 
 such period.
Renewal
3. The premiums, as per the age slabs/ Sum Insured, are given in the brochure and the same would be charged as per 
the  completed age at every Renewal.
4. Increase/ decrease in Sum Insured, change of sub limit option and/or change of plan is allowed only at the start of plan tenure.
5. Any change in premium will be done with the approval of the IRDAI.
• Revised premium will be applicable for all new proposals.
• Revised premium will be intimated to renewals starting with new plan tenure at least 3 months in advance.
• The existing rates will continue to be applicable for policyholders till the end of ongoing plan tenure.
• In the likelihood of this Policy being withdrawn in future, we will intimate you about the same 3 months prior to 
expiry  of the Policy.
Exclusions
• Expenses related to pre-existing disease shall be excluded until the expiry of 24 months.
• Any disease contracted during the first 30 days from the commencement of the policy, except due to accidental injury.
• Joint replacement Surgery due to degenerative conditions, listed Mental Illness shall be covered after a waiting period of 48 
months.
• Diseases like Cataract, Benign Prostatic Hypertrophy, Hernia and Tumours shall be covered after a waiting period of 24 months.
• Change of Gender treatments.
• Hazardous or Adventure sports.
• All expenses related to Sexually Transmitted Diseases other than HIV/AIDS.
*The above list is indicative in nature, please refer to policy wordings for complete details.
Other features:
1. There will be no loading on premium for adverse claims experience.
2. Portability and Migration can be offered as per the guidelines.
3. Installment facility – Option for payment of premium on an installment basis is available.
4. Premium paid by any mode other than cash and demand draft is eligible for tax 
relief as  provided under Section 80-D of the Income Tax Act.
Premium Illustration in respect of policies offered on individual and family floater basis
Health Super Saver 1X Plan
Age of Coverage opted on  Coverage opted on individual basis Coverage opted on family floater 
the  individual basis covering  multiple members of the basis with  overall Sum insured (Only 
member covering  each family under a single  policy (Sum one sum insured is  available for the 
s  member of the  insured is available for each  member entire family)
insured family separately (at of the family)
a  single point in 
time)
Premiu Sum  Premiu Discou Premium  Sum  Premium Floater  Premium  Sum  
m  (`) insured m  (`) nt,  if after  insure or  discoun after  insure
(`) any discount d  (`) consolidat t,  if any discount d  (`)
(`) ed  (`)
premium 
for  all 
members  
of family 
(`)
38 years 9,782 500000 9,782 978 8,804 500000 9,782 9,782
36 years 9,782 500000 9,782 978 8,804 500000 9,782 4,402 5,380
18 years 7,739 500000 7,739 774 6,965 500000 7,739 4,256 3,483
14 years 4,686 500000 4,686 469 4,217 500000 4,686 2,812 1,874
12 years 4,686 500000 4,686 469 4,217 500000 4,686 2,812 1,874
12 years 4,686 500000 4,686 469 4,217 500000 4,686 2,812 1,874
500000
66 years 42,960 500000 42,960 4,296 38,664 500000 42,960 15,036 27,924
63 years 32,794 500000 32,794 3,279 29,515 500000 32,794 11,478 21,316
61 years 32,794 500000 32,794 3,279 29,515 500000 32,794 11,478 21,316
58 years 25,023 500000 25,023 2,502 22,521 500000 25,023 8,758 16,265
Total Premium for all members Total Premium for all members of the family is Total Premium when policy is opted 
of the  family is `1,74,932/-, `157,439/-, when they are covered under on floater  basis is `111,089/-.
when each  member is a single  policy. Sum insured of `500000 is available for 
covered separately. Sum insured available for each family the entire  family.
Sum insured available for member is
each  individual is `500000.
`500000.
Note:
• This is just an illustration of premium calculation.
• Premiums may vary with respect to Plan and Sum Insured opted by the insured.
• Premium rates specified in the above illustration are the standard premium rates without considering 
any loading  and/or discounts like – Online (Website) Sales discount etc.
• In case premium is paid on instalment basis, the loading will be applicable accordingly.
• Premium rates are exclusive of Goods and Services Tax applicable.
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