(in Rs. per Rs. 1,000 Sum Insured at inception) Premium.pdf · HDFC Life Cardiac Care - Appendix II (a) : Single premium rate - Base Benefit (in Rs. per Rs. 1,000 Sum Insured at inception)

HDFC Life Cardiac Care - Appendix II (a) : Single premium rate - Base Benefit

(in Rs. per Rs. 1,000 Sum Insured at inception)

Base Benefit, Female, Medical underwriting, Non-Tobacco user

Age A B C D E F18 30.967 12.484 12.484 6.374 4.352 3.365 19 30.973 12.493 12.493 6.379 4.355 3.372 20 30.978 12.501 12.501 6.385 4.358 3.379 21 30.984 12.510 12.510 6.390 4.382 3.404 22 30.989 12.518 12.518 6.429 4.421 3.443 23 31.137 12.644 12.644 6.542 4.517 3.535 24 31.145 12.648 12.648 6.547 4.521 3.544 25 31.154 12.652 12.652 6.551 4.541 3.545 26 31.162 12.657 12.657 6.556 4.560 3.589 27 31.171 12.661 12.661 6.557 4.565 3.602 28 31.179 12.665 12.665 6.557 4.574 3.617 29 31.187 12.669 12.669 6.596 4.609 3.649 30 31.196 12.674 12.674 6.610 4.626 3.650 31 31.204 12.678 12.678 6.624 4.642 3.686 32 31.213 12.682 12.682 6.662 4.681 3.722 33 31.221 12.800 12.800 6.773 4.783 3.822 34 31.316 12.895 12.895 6.878 4.887 3.926 35 31.412 12.999 12.999 6.984 4.997 4.038 36 31.494 13.034 13.034 7.060 5.090 4.139 37 31.575 13.210 13.210 7.238 5.265 4.312 38 31.642 13.311 13.311 7.361 5.392 4.443 39 31.862 13.529 13.529 7.577 5.601 4.647 40 31.998 13.691 13.691 7.756 5.779 4.828 41 32.178 13.881 13.881 7.947 5.969 5.014 42 32.336 14.075 14.075 8.165 6.188 5.234 43 32.402 14.123 14.123 8.274 6.313 5.372 44 32.467 14.128 14.128 8.339 6.409 5.482 45 32.533 14.132 14.132 8.404 6.508 5.597 46 32.598 14.137 14.137 8.506 6.635 5.741 47 32.664 14.141 14.141 8.636 6.785 5.900 48 32.729 14.482 14.482 9.008 7.160 6.275 49 32.795 14.756 14.756 9.337 7.494 6.614 50 32.860 15.202 15.202 9.802 7.955 7.068 51 32.926 15.903 15.903 10.470 8.595 7.693 52 33.689 16.688 16.688 11.235 9.332 8.418 53 34.455 17.472 17.472 11.997 10.068 9.139 54 35.835 18.695 18.695 13.122 11.134 10.177 55 37.602 20.231 20.231 14.533 12.472 11.478 56 39.647 22.046 22.046 16.216 14.077 13.043 57 41.328 23.738 23.738 17.874 15.688 14.630 58 43.136 25.549 25.549 19.647 17.409 16.327 59 44.627 27.171 27.171 21.276 19.008 17.909 60 45.866 28.550 28.550 22.674 20.382 19.271 61 46.593 29.528 29.528 23.712 21.420 20.308 62 47.334 30.431 30.431 24.650 22.349 21.232 63 47.856 31.228 31.228 25.519 23.223 22.108 64 48.640 32.221 32.221 26.559 24.256 23.137 65 49.750 33.546 33.546 27.923 25.605 24.479

GST/Service tax & cess as applicable shall be collected over and above this premium.

Sum Assured Band

Date of filing : 8th June, 2016 | Final F&U dated: 26th September, 2017 Page 1 of 1

Page 1 of 84



Base Benefit, Female, Medical underwriting, Tobacco user

Age A B C D E F18 31.107 12.620 12.620 6.505 4.479 3.489 19 31.115 12.633 12.633 6.526 4.506 3.490 20 31.122 12.646 12.646 6.546 4.533 3.550 21 31.158 12.682 12.682 6.586 4.572 3.589 22 31.219 12.740 12.740 6.641 4.627 3.643 23 31.387 12.886 12.886 6.774 4.743 3.754 24 31.399 12.887 12.887 6.779 4.747 3.765 25 31.412 12.888 12.888 6.783 4.757 3.778 26 31.424 12.888 12.888 6.788 4.767 3.790 27 31.437 12.889 12.889 6.793 4.781 3.808 28 31.449 12.890 12.890 6.797 4.794 3.825 29 31.461 12.891 12.891 6.802 4.808 3.843 30 31.474 12.891 12.891 6.802 4.815 3.853 31 31.486 12.892 12.892 6.859 4.867 3.905 32 31.499 12.956 12.956 6.922 4.930 3.966 33 31.511 13.076 13.076 7.035 5.035 4.069 34 31.568 13.136 13.136 7.107 5.108 4.141 35 31.626 13.203 13.203 7.179 5.183 4.221 36 31.714 13.233 13.233 7.249 5.270 4.316 37 31.802 13.425 13.425 7.442 5.460 4.503 38 31.881 13.536 13.536 7.574 5.596 4.642 39 32.151 13.801 13.801 7.835 5.849 4.889 40 32.354 14.027 14.027 8.074 6.084 5.126 41 32.601 14.281 14.281 8.325 6.332 5.369 42 32.888 14.594 14.594 8.658 6.663 5.697 43 33.073 14.871 14.871 8.982 6.993 6.036 44 33.179 15.131 15.131 9.309 7.340 6.391 45 33.307 15.423 15.423 9.674 7.725 6.785 46 33.504 15.794 15.794 10.117 8.180 7.249 47 33.811 16.234 16.234 10.604 8.669 7.740 48 34.276 16.799 16.799 11.188 9.249 8.315 49 34.741 17.399 17.399 11.824 9.880 8.945 50 35.527 18.250 18.250 12.677 10.714 9.765 51 36.722 19.411 19.411 13.789 11.783 10.812 52 38.081 20.759 20.759 15.096 13.044 12.051 53 39.714 22.364 22.364 16.645 14.542 13.523 54 41.943 24.406 24.406 18.565 16.379 15.319 55 44.581 26.789 26.789 20.802 18.518 17.410 56 47.434 29.396 29.396 23.256 20.873 19.714 57 50.027 31.957 31.957 25.752 23.295 22.097 58 52.762 34.649 34.649 28.377 25.840 24.606 59 55.243 37.204 37.204 30.903 28.306 27.040 60 57.560 39.600 39.600 33.277 30.625 29.331 61 59.619 41.826 41.826 35.512 32.819 31.502 62 61.793 44.079 44.079 37.746 35.001 33.658 63 63.972 46.428 46.428 40.103 37.312 35.946 64 66.570 49.129 49.129 42.782 39.929 38.533 65 69.663 52.320 52.320 45.941 43.014 41.580


Sum Assured Band


Page 2 of 84



Base Benefit, Female, Non-medical underwriting

Age A B C D E F18 6.566 3.060 3.060 1.882 1.480 1.279 19 6.581 3.075 3.075 1.897 1.494 1.293 20 6.627 3.119 3.119 1.938 1.535 1.333 21 6.675 3.165 3.165 1.983 1.578 1.375 22 6.731 3.219 3.219 2.035 1.629 1.425 23 6.805 3.290 3.290 2.105 1.695 1.491 24 6.852 3.335 3.335 2.148 1.737 1.533 25 6.885 3.367 3.367 2.179 1.767 1.561 26 6.912 3.393 3.393 2.203 1.791 1.585 27 6.933 3.413 3.413 2.223 1.810 1.603 28 6.959 3.437 3.437 2.246 1.832 1.626 29 6.998 3.475 3.475 2.283 1.868 1.661 30 7.032 3.508 3.508 2.314 1.898 1.690 31 7.087 3.561 3.561 2.366 1.948 1.739 32 7.158 3.628 3.628 2.431 2.012 1.802 33 7.251 3.718 3.718 2.518 2.095 1.884 34 7.344 3.807 3.807 2.604 2.178 1.965 35 7.447 3.906 3.906 2.699 2.270 2.056 36 7.583 4.036 4.036 2.825 2.393 2.177 37 7.745 4.192 4.192 2.975 2.537 2.319 38 7.938 4.376 4.376 3.153 2.710 2.489 39 8.178 4.607 4.607 3.376 2.926 2.701 40 8.425 4.844 4.844 3.606 3.147 2.919 41 8.684 5.093 5.093 3.845 3.380 3.147 42 9.050 5.443 5.443 4.185 3.709 3.470 43 9.415 5.793 5.793 4.523 4.035 3.792 44 9.811 6.174 6.174 4.891 4.391 4.141 45 10.262 6.607 6.607 5.309 4.797 4.540 46 10.769 7.093 7.093 5.780 5.252 4.989 47 11.291 7.594 7.594 6.263 5.719 5.448 48 11.888 8.168 8.168 6.816 6.256 5.976 49 12.597 8.848 8.848 7.474 6.891 6.601 50 13.451 9.667 9.667 8.266 7.659 7.355 51 14.528 10.700 10.700 9.263 8.624 8.304 52 15.769 11.889 11.889 10.412 9.735 9.397 53 17.277 13.335 13.335 11.809 11.088 10.727 54 19.086 15.069 15.069 13.483 12.708 12.321 55 21.194 17.089 17.089 15.435 14.598 14.179 56 23.515 19.315 19.315 17.584 16.679 16.225 57 26.015 21.712 21.712 19.901 18.921 18.431 58 28.620 24.209 24.209 22.316 21.259 20.732 59 31.145 26.633 26.633 24.658 23.529 22.965 60 33.533 28.925 28.925 26.875 25.678 25.079 61 35.810 31.111 31.111 28.988 27.726 27.094 62 38.062 33.271 33.271 31.078 29.750 29.087 63 40.440 35.552 35.552 33.283 31.887 31.189 64 43.141 38.143 38.143 35.788 34.314 33.578 65 46.312 41.183 41.183 38.728 37.164 36.382


Sum Assured Band


Page 3 of 84



Base Benefit, Male, Medical underwriting, Non-Tobacco user

Age A B C D E F18 31.575 12.996 12.996 6.789 4.704 3.675 19 31.606 13.001 13.001 6.806 4.704 3.682 20 31.637 13.006 13.006 6.822 4.706 3.683 21 31.668 13.012 13.012 6.839 4.709 3.685 22 31.699 13.017 13.017 6.855 4.711 3.686 23 31.730 13.022 13.022 6.872 4.714 3.688 24 31.761 13.027 13.027 6.888 4.716 3.689 25 31.792 13.033 13.033 6.905 4.719 3.691 26 31.823 13.038 13.038 6.921 4.721 3.692 27 31.853 13.043 13.043 6.938 4.724 3.746 28 31.884 13.048 13.048 6.954 4.726 3.788 29 31.915 13.053 13.053 6.971 4.734 3.817 30 31.946 13.059 13.059 6.987 4.875 3.972 31 31.977 13.064 13.064 7.004 5.123 4.225 32 32.008 13.069 13.069 7.345 5.467 4.567 33 32.039 13.475 13.475 7.796 5.919 5.018 34 32.070 14.188 14.188 8.472 6.560 5.641 35 32.841 14.967 14.967 9.229 7.287 6.353 36 33.760 15.883 15.883 10.119 8.143 7.194 37 35.124 17.063 17.063 11.185 9.146 8.162 38 36.737 18.394 18.394 12.364 10.244 9.218 39 37.948 19.546 19.546 13.468 11.306 10.261 40 39.167 20.701 20.701 14.573 12.371 11.308 41 40.318 21.835 21.835 15.683 13.448 12.368 42 41.266 22.892 22.892 16.762 14.511 13.422 43 42.307 24.023 24.023 17.903 15.632 14.533 44 43.753 25.359 25.359 19.171 16.851 15.726 45 45.314 26.793 26.793 20.528 18.155 17.003 46 46.918 28.257 28.257 21.914 19.484 18.306 47 48.174 29.731 29.731 23.435 20.990 19.803 48 49.590 31.347 31.347 25.090 22.623 21.423 49 51.475 33.395 33.395 27.152 24.646 23.429 50 54.550 36.389 36.389 30.055 27.460 26.194 51 58.476 40.103 40.103 33.619 30.899 29.574 52 62.672 44.019 44.019 37.364 34.508 33.116 53 67.254 48.320 48.320 41.480 38.485 37.020 54 71.891 52.669 52.669 45.650 42.509 40.974 55 75.818 56.487 56.487 49.356 46.105 44.515 56 79.178 59.962 59.962 52.799 49.468 47.836 57 83.827 64.553 64.553 57.280 53.820 52.125 58 88.867 69.507 69.507 62.105 58.507 56.742 59 94.826 75.436 75.436 67.904 64.146 62.299 60 101.465 81.997 81.997 74.311 70.371 68.434 61 108.767 89.084 89.084 81.187 77.044 75.003 62 115.254 95.434 95.434 87.372 83.053 80.925 63 121.228 101.310 101.310 93.105 88.630 86.423 64 125.840 105.788 105.788 97.455 92.859 90.591 65 129.400 109.266 109.266 100.845 96.158 93.845


Sum Assured Band


Page 4 of 84



Base Benefit, Male, Medical underwriting, Tobacco user

Age A B C D E F18 31.775 13.195 13.195 6.984 4.897 3.864 19 31.782 13.204 13.204 6.988 4.904 3.869 20 31.788 13.212 13.212 6.991 4.911 3.870 21 31.795 13.221 13.221 6.995 4.918 3.872 22 31.801 13.229 13.229 6.998 4.924 3.873 23 31.808 13.238 13.238 7.002 4.931 3.889 24 31.815 13.246 13.246 7.005 4.938 3.958 25 31.821 13.255 13.255 7.009 5.007 4.036 26 31.828 13.263 13.263 7.096 5.097 4.128 27 31.834 13.272 13.272 7.241 5.248 4.282 28 31.841 13.328 13.328 7.344 5.362 4.405 29 31.847 13.374 13.374 7.458 5.508 4.567 30 31.854 13.647 13.647 7.779 5.843 4.910 31 32.271 14.118 14.118 8.270 6.328 5.393 32 32.908 14.795 14.795 8.954 7.001 6.057 33 33.737 15.683 15.683 9.858 7.887 6.934 34 35.055 16.955 16.955 11.073 9.050 8.069 35 36.547 18.415 18.415 12.484 10.410 9.403 36 38.347 20.165 20.165 14.175 12.041 11.006 37 40.623 22.236 22.236 16.112 13.891 12.808 38 43.219 24.543 24.543 18.249 15.923 14.787 39 45.607 26.822 26.822 20.441 18.037 16.865 40 48.078 29.178 29.178 22.706 20.225 19.015 41 50.512 31.531 31.531 24.991 22.437 21.191 42 52.789 33.836 33.836 27.262 24.651 23.376 43 55.251 36.300 36.300 29.682 27.005 25.697 44 58.230 39.111 39.111 32.376 29.607 28.250 45 61.396 42.093 42.093 35.232 32.363 30.956 46 64.742 45.237 45.237 38.245 35.267 33.810 47 68.322 48.880 48.880 41.840 38.773 37.268 48 72.297 52.887 52.887 45.780 42.613 41.053 49 77.206 57.773 57.773 50.561 47.258 45.637 50 84.029 64.339 64.339 56.908 53.403 51.675 51 92.410 72.325 72.325 64.600 60.837 58.983 52 101.234 80.693 80.693 72.651 68.617 66.630 53 110.721 89.714 89.714 81.336 77.022 74.889 54 120.169 98.698 98.698 89.993 85.396 83.125 55 128.529 106.753 106.753 97.790 92.951 90.561 56 136.082 114.189 114.189 105.042 99.998 97.503 57 143.765 121.664 121.664 112.303 107.042 104.439 58 152.011 129.674 129.674 120.074 114.583 111.863 59 159.204 136.764 136.764 126.994 121.305 118.486 60 166.947 144.371 144.371 134.413 128.511 125.589 61 174.802 152.007 152.007 141.831 135.719 132.687 62 182.117 159.155 159.155 148.793 142.486 139.357 63 187.651 164.614 164.614 154.133 147.690 144.495 64 193.110 169.913 169.913 159.285 152.702 149.437 65 196.549 173.278 173.278 162.575 155.910 152.605


Sum Assured Band


Page 5 of 84



Base Benefit, Male, Non-medical underwriting

Age A B C D E F18 6.594 3.088 3.088 1.909 1.506 1.304 19 6.660 3.150 3.150 1.969 1.564 1.361 20 6.720 3.209 3.209 2.025 1.619 1.415 21 6.771 3.257 3.257 2.072 1.663 1.459 22 6.826 3.310 3.310 2.124 1.714 1.509 23 6.860 3.343 3.343 2.155 1.744 1.539 24 6.916 3.397 3.397 2.207 1.795 1.588 25 6.973 3.451 3.451 2.259 1.845 1.638 26 7.037 3.512 3.512 2.319 1.902 1.694 27 7.129 3.601 3.601 2.404 1.985 1.775 28 7.257 3.723 3.723 2.523 2.099 1.888 29 7.422 3.881 3.881 2.674 2.246 2.032 30 7.661 4.109 4.109 2.895 2.460 2.242 31 8.004 4.438 4.438 3.213 2.767 2.544 32 8.465 4.879 4.879 3.637 3.178 2.947 33 9.059 5.447 5.447 4.186 3.709 3.470 34 9.805 6.162 6.162 4.876 4.376 4.125 35 10.705 7.024 7.024 5.708 5.181 4.917 36 11.737 8.013 8.013 6.664 6.105 5.826 37 12.892 9.120 9.120 7.732 7.139 6.842 38 14.132 10.308 10.308 8.879 8.250 7.934 39 15.420 11.543 11.543 10.072 9.403 9.069 40 16.729 12.798 12.798 11.284 10.576 10.223 41 18.068 14.080 14.080 12.523 11.775 11.402 42 19.432 15.389 15.389 13.787 12.999 12.605 43 20.835 16.733 16.733 15.086 14.256 13.841 44 22.325 18.163 18.163 16.467 15.593 15.156 45 23.911 19.683 19.683 17.935 17.014 16.553 46 25.533 21.237 21.237 19.437 18.467 17.983 47 27.501 23.124 23.124 21.259 20.231 19.717 48 29.616 25.151 25.151 23.216 22.126 21.580 49 32.212 27.637 27.637 25.616 24.448 23.865 50 35.689 30.965 30.965 28.830 27.558 26.921 51 39.952 35.049 35.049 32.773 31.373 30.673 52 44.386 39.297 39.297 36.877 35.345 34.580 53 49.264 43.975 43.975 41.397 39.724 38.887 54 54.164 48.675 48.675 45.941 44.125 43.217 55 58.611 52.939 52.939 50.062 48.117 47.145 56 62.808 56.964 56.964 53.952 51.885 50.851 57 67.941 61.880 61.880 58.701 56.483 55.375 58 73.457 67.166 67.166 63.807 61.429 60.240 59 80.076 73.506 73.506 69.933 67.360 66.074 60 87.324 80.452 80.452 76.647 73.863 72.472 61 94.943 87.762 87.762 83.715 80.715 79.215 62 101.406 93.964 93.964 89.716 86.534 84.943 63 107.190 99.522 99.522 95.099 91.759 90.089 64 111.259 103.434 103.434 98.891 95.443 93.719 65 114.183 106.247 106.247 101.621 98.097 96.336


Sum Assured Band


Page 6 of 84

HDFC Life Cardiac Care - Appendix II (a) : Single premium rate - Hospitalisation Benefit


Hospitalisation Benefit, Female, Medical underwriting, Non-Tobacco user

Age A B C D E F18 0.286 0.278 0.278 0.261 0.174 0.131 19 0.293 0.284 0.284 0.267 0.178 0.134 20 0.296 0.288 0.288 0.271 0.181 0.136 21 0.297 0.288 0.288 0.271 0.181 0.136 22 0.296 0.288 0.288 0.270 0.180 0.135 23 0.293 0.285 0.285 0.268 0.179 0.133 24 0.312 0.303 0.303 0.286 0.190 0.142 25 0.344 0.335 0.335 0.314 0.209 0.157 26 0.377 0.366 0.366 0.344 0.229 0.172 27 0.415 0.403 0.403 0.378 0.252 0.189 28 0.458 0.444 0.444 0.417 0.278 0.209 29 0.500 0.484 0.484 0.456 0.304 0.228 30 0.522 0.507 0.507 0.476 0.318 0.239 31 0.553 0.536 0.536 0.504 0.336 0.252 32 0.581 0.564 0.564 0.530 0.353 0.265 33 0.619 0.600 0.600 0.564 0.376 0.282 34 0.655 0.636 0.636 0.597 0.398 0.299 35 0.706 0.685 0.685 0.644 0.429 0.322 36 0.751 0.730 0.730 0.685 0.457 0.343 37 0.799 0.776 0.776 0.729 0.486 0.365 38 0.835 0.811 0.811 0.762 0.508 0.381 39 0.876 0.851 0.851 0.800 0.533 0.400 40 0.921 0.893 0.893 0.839 0.559 0.420 41 0.973 0.944 0.944 0.887 0.591 0.444 42 1.020 0.989 0.989 0.930 0.620 0.465 43 1.047 1.017 1.017 0.956 0.637 0.478 44 1.072 1.041 1.041 0.979 0.652 0.489 45 1.087 1.056 1.056 0.992 0.662 0.496 46 1.092 1.060 1.060 0.996 0.664 0.498 47 1.101 1.070 1.070 1.005 0.670 0.503 48 1.152 1.118 1.118 1.051 0.701 0.525 49 1.181 1.146 1.146 1.077 0.718 0.539 50 1.201 1.165 1.165 1.096 0.731 0.547 51 1.220 1.185 1.185 1.114 0.742 0.557 52 1.230 1.194 1.194 1.123 0.749 0.561 53 1.226 1.190 1.190 1.119 0.746 0.560 54 1.249 1.213 1.213 1.140 0.761 0.570 55 1.330 1.291 1.291 1.214 0.810 0.607 56 1.441 1.399 1.399 1.315 0.876 0.657 57 1.660 1.612 1.612 1.514 1.009 0.757 58 1.958 1.900 1.900 1.785 1.190 0.892 59 2.359 2.290 2.290 2.151 1.434 1.076 60 3.039 2.949 2.949 2.771 1.847 1.385 61 4.054 3.934 3.934 3.694 2.464 1.847 62 5.359 5.201 5.201 4.884 3.257 2.442 63 7.097 6.888 6.888 6.469 4.314 3.235 64 9.444 9.167 9.167 8.611 5.742 4.306 65 12.297 11.935 11.935 11.213 7.477 5.607


Sum Assured Band


Page 7 of 84



Hospitalisation Benefit, Female, Medical underwriting, Tobacco user

Age A B C D E F18 0.285 0.278 0.278 0.261 0.174 0.131 19 0.308 0.299 0.299 0.281 0.187 0.141 20 0.328 0.319 0.319 0.299 0.199 0.150 21 0.348 0.337 0.337 0.318 0.211 0.159 22 0.368 0.358 0.358 0.336 0.224 0.168 23 0.398 0.387 0.387 0.363 0.242 0.182 24 0.416 0.403 0.403 0.380 0.253 0.190 25 0.444 0.431 0.431 0.405 0.270 0.203 26 0.472 0.458 0.458 0.430 0.287 0.216 27 0.507 0.492 0.492 0.462 0.309 0.231 28 0.530 0.515 0.515 0.484 0.323 0.241 29 0.587 0.570 0.570 0.536 0.357 0.268 30 0.622 0.604 0.604 0.567 0.378 0.283 31 0.670 0.650 0.650 0.611 0.408 0.305 32 0.715 0.695 0.695 0.652 0.435 0.326 33 0.768 0.746 0.746 0.701 0.467 0.350 34 0.809 0.785 0.785 0.738 0.492 0.369 35 0.854 0.829 0.829 0.779 0.520 0.389 36 0.895 0.868 0.868 0.816 0.544 0.408 37 0.939 0.912 0.912 0.858 0.572 0.428 38 0.984 0.955 0.955 0.897 0.598 0.449 39 1.024 0.994 0.994 0.934 0.623 0.467 40 1.101 1.068 1.068 1.004 0.669 0.502 41 1.174 1.140 1.140 1.071 0.714 0.536 42 1.256 1.219 1.219 1.145 0.764 0.573 43 1.330 1.291 1.291 1.212 0.808 0.606 44 1.417 1.375 1.375 1.293 0.862 0.646 45 1.494 1.450 1.450 1.363 0.909 0.681 46 1.568 1.522 1.522 1.430 0.954 0.715 47 1.644 1.596 1.596 1.501 1.001 0.751 48 1.736 1.686 1.686 1.584 1.056 0.792 49 1.802 1.749 1.749 1.645 1.096 0.822 50 1.849 1.795 1.795 1.688 1.125 0.844 51 1.904 1.849 1.849 1.738 1.159 0.869 52 1.931 1.875 1.875 1.763 1.175 0.882 53 1.982 1.924 1.924 1.809 1.206 0.904 54 2.045 1.986 1.986 1.868 1.245 0.933 55 2.188 2.124 2.124 1.997 1.332 0.998 56 2.342 2.273 2.273 2.137 1.425 1.069 57 2.682 2.604 2.604 2.448 1.631 1.224 58 3.140 3.048 3.048 2.864 1.910 1.433 59 3.783 3.672 3.672 3.451 2.301 1.726 60 4.920 4.776 4.776 4.487 2.992 2.244 61 6.663 6.468 6.468 6.076 4.052 3.039 62 8.978 8.715 8.715 8.187 5.459 4.095 63 12.119 11.763 11.763 11.052 7.371 5.528 64 16.382 15.903 15.903 14.944 9.967 7.475 65 21.644 21.014 21.014 19.749 13.171 9.878


Sum Assured Band


Page 8 of 84



Hospitalisation Benefit, Female, Non-medical underwriting

Age A B C D E F18 0.286 0.277 0.277 0.260 0.248 0.248 19 0.308 0.299 0.299 0.281 0.267 0.267 20 0.329 0.318 0.318 0.299 0.285 0.285 21 0.349 0.337 0.337 0.317 0.303 0.303 22 0.369 0.357 0.357 0.335 0.321 0.321 23 0.385 0.373 0.373 0.352 0.335 0.335 24 0.402 0.390 0.390 0.366 0.348 0.348 25 0.417 0.405 0.405 0.381 0.360 0.360 26 0.430 0.418 0.418 0.393 0.372 0.372 27 0.447 0.435 0.435 0.409 0.388 0.388 28 0.470 0.459 0.459 0.431 0.408 0.408 29 0.498 0.485 0.485 0.455 0.432 0.432 30 0.532 0.519 0.519 0.486 0.461 0.461 31 0.574 0.557 0.557 0.524 0.497 0.497 32 0.613 0.596 0.596 0.560 0.531 0.531 33 0.654 0.634 0.634 0.597 0.566 0.566 34 0.692 0.672 0.672 0.631 0.600 0.600 35 0.730 0.708 0.708 0.666 0.632 0.632 36 0.764 0.742 0.742 0.698 0.661 0.661 37 0.799 0.776 0.776 0.730 0.693 0.693 38 0.840 0.816 0.816 0.767 0.729 0.729 39 0.892 0.866 0.866 0.814 0.772 0.772 40 0.947 0.919 0.919 0.863 0.818 0.818 41 1.010 0.980 0.980 0.920 0.873 0.873 42 1.082 1.049 1.049 0.986 0.933 0.933 43 1.142 1.108 1.108 1.042 0.988 0.988 44 1.208 1.172 1.172 1.102 1.043 1.043 45 1.273 1.236 1.236 1.161 1.099 1.099 46 1.334 1.295 1.295 1.217 1.152 1.152 47 1.392 1.352 1.352 1.271 1.204 1.204 48 1.459 1.417 1.417 1.332 1.261 1.261 49 1.508 1.464 1.464 1.377 1.303 1.303 50 1.548 1.503 1.503 1.413 1.337 1.337 51 1.588 1.542 1.542 1.450 1.370 1.370 52 1.614 1.568 1.568 1.473 1.392 1.392 53 1.664 1.615 1.615 1.519 1.434 1.434 54 1.720 1.670 1.670 1.570 1.483 1.483 55 1.838 1.785 1.785 1.678 1.584 1.584 56 1.974 1.916 1.916 1.801 1.699 1.699 57 2.266 2.200 2.200 2.068 1.948 1.948 58 2.654 2.576 2.576 2.421 2.283 2.283 59 3.196 3.103 3.103 2.916 2.750 2.750 60 4.150 4.029 4.029 3.785 3.572 3.572 61 5.609 5.445 5.445 5.115 4.827 4.827 62 7.540 7.318 7.318 6.875 6.486 6.486 63 10.165 9.867 9.867 9.270 8.740 8.740 64 13.719 13.319 13.319 12.515 11.787 11.787 65 18.032 17.506 17.506 16.452 15.488 15.488


Sum Assured Band


Page 9 of 84



Hospitalisation Benefit, Male, Medical underwriting, Non-Tobacco user

Age A B C D E F18 0.350 0.339 0.339 0.319 0.213 0.159 19 0.372 0.362 0.362 0.340 0.227 0.170 20 0.393 0.382 0.382 0.359 0.239 0.179 21 0.413 0.400 0.400 0.376 0.251 0.188 22 0.467 0.453 0.453 0.425 0.284 0.213 23 0.516 0.501 0.501 0.470 0.314 0.236 24 0.588 0.570 0.570 0.535 0.357 0.267 25 0.660 0.640 0.640 0.602 0.402 0.301 26 0.726 0.705 0.705 0.662 0.442 0.331 27 0.772 0.749 0.749 0.704 0.469 0.352 28 0.809 0.786 0.786 0.739 0.492 0.369 29 0.823 0.799 0.799 0.750 0.500 0.375 30 0.845 0.821 0.821 0.771 0.515 0.385 31 0.886 0.860 0.860 0.808 0.539 0.404 32 0.895 0.869 0.869 0.817 0.545 0.408 33 0.923 0.896 0.896 0.842 0.561 0.421 34 0.946 0.919 0.919 0.863 0.576 0.432 35 0.960 0.932 0.932 0.877 0.585 0.438 36 0.962 0.934 0.934 0.878 0.585 0.439 37 0.963 0.936 0.936 0.879 0.586 0.439 38 0.969 0.940 0.940 0.884 0.590 0.442 39 0.986 0.958 0.958 0.900 0.600 0.451 40 1.004 0.974 0.974 0.916 0.611 0.458 41 1.036 1.006 1.006 0.946 0.630 0.473 42 1.090 1.059 1.059 0.996 0.663 0.498 43 1.146 1.113 1.113 1.046 0.697 0.523 44 1.213 1.177 1.177 1.107 0.738 0.554 45 1.292 1.254 1.254 1.179 0.786 0.590 46 1.379 1.339 1.339 1.259 0.839 0.629 47 1.474 1.431 1.431 1.346 0.897 0.673 48 1.592 1.547 1.547 1.454 0.970 0.727 49 1.704 1.655 1.655 1.555 1.038 0.778 50 1.813 1.761 1.761 1.655 1.104 0.828 51 1.931 1.875 1.875 1.764 1.177 0.882 52 2.031 1.972 1.972 1.856 1.237 0.928 53 2.149 2.088 2.088 1.964 1.310 0.982 54 2.258 2.193 2.193 2.064 1.376 1.032 55 2.411 2.343 2.343 2.205 1.471 1.103 56 2.543 2.471 2.471 2.326 1.551 1.163 57 2.829 2.748 2.748 2.587 1.726 1.294 58 3.173 3.083 3.083 2.901 1.935 1.451 59 3.657 3.553 3.553 3.345 2.232 1.673 60 4.541 4.413 4.413 4.155 2.771 2.078 61 5.939 5.772 5.772 5.435 3.626 2.719 62 7.841 7.620 7.620 7.177 4.788 3.591 63 10.462 10.169 10.169 9.581 6.392 4.794 64 14.086 13.694 13.694 12.905 8.611 6.458 65 18.533 18.020 18.020 16.983 11.332 8.499


Sum Assured Band


Page 10 of 84



Hospitalisation Benefit, Male, Medical underwriting, Tobacco user

Age A B C D E F18 0.472 0.457 0.457 0.430 0.287 0.215 19 0.506 0.490 0.490 0.462 0.307 0.231 20 0.547 0.532 0.532 0.500 0.333 0.250 21 0.574 0.557 0.557 0.524 0.349 0.261 22 0.641 0.622 0.622 0.585 0.390 0.292 23 0.693 0.673 0.673 0.632 0.422 0.316 24 0.816 0.792 0.792 0.744 0.495 0.372 25 0.927 0.900 0.900 0.845 0.563 0.422 26 1.040 1.009 1.009 0.948 0.632 0.474 27 1.121 1.088 1.088 1.022 0.682 0.511 28 1.209 1.174 1.174 1.103 0.736 0.551 29 1.243 1.207 1.207 1.134 0.756 0.567 30 1.311 1.272 1.272 1.196 0.797 0.598 31 1.389 1.349 1.349 1.268 0.845 0.634 32 1.461 1.418 1.418 1.333 0.889 0.666 33 1.539 1.495 1.495 1.404 0.937 0.702 34 1.611 1.564 1.564 1.470 0.980 0.735 35 1.658 1.610 1.610 1.513 1.009 0.757 36 1.708 1.658 1.658 1.559 1.039 0.779 37 1.741 1.690 1.690 1.589 1.059 0.794 38 1.775 1.723 1.723 1.620 1.080 0.810 39 1.831 1.778 1.778 1.672 1.114 0.836 40 1.897 1.842 1.842 1.732 1.154 0.866 41 1.969 1.911 1.911 1.797 1.198 0.899 42 2.083 2.022 2.022 1.901 1.268 0.951 43 2.211 2.147 2.147 2.019 1.346 1.009 44 2.364 2.296 2.296 2.159 1.440 1.080 45 2.540 2.467 2.467 2.320 1.547 1.160 46 2.735 2.656 2.656 2.498 1.666 1.249 47 2.956 2.872 2.872 2.701 1.801 1.351 48 3.228 3.135 3.135 2.949 1.966 1.475 49 3.486 3.387 3.387 3.187 2.125 1.594 50 3.734 3.627 3.627 3.414 2.277 1.707 51 4.002 3.888 3.888 3.662 2.442 1.832 52 4.225 4.106 4.106 3.867 2.579 1.935 53 4.477 4.352 4.352 4.100 2.735 2.051 54 4.696 4.565 4.565 4.302 2.869 2.153 55 5.006 4.867 4.867 4.588 3.061 2.295 56 5.267 5.123 5.123 4.831 3.223 2.416 57 5.739 5.582 5.582 5.265 3.513 2.635 58 6.301 6.129 6.129 5.783 3.859 2.894 59 6.993 6.803 6.803 6.421 4.285 3.214 60 8.311 8.086 8.086 7.634 5.095 3.822 61 10.478 10.197 10.197 9.629 6.427 4.820 62 13.439 13.080 13.080 12.355 8.247 6.186 63 17.482 17.017 17.017 16.078 10.735 8.051 64 23.214 22.599 22.599 21.357 14.259 10.695 65 30.131 29.335 29.335 27.725 18.512 13.884


Sum Assured Band


Page 11 of 84



Hospitalisation Benefit, Male, Non-medical underwriting

Age A B C D E F18 0.349 0.339 0.339 0.319 0.303 0.303 19 0.373 0.362 0.362 0.340 0.323 0.323 20 0.393 0.381 0.381 0.359 0.341 0.341 21 0.412 0.400 0.400 0.376 0.358 0.358 22 0.478 0.464 0.464 0.436 0.416 0.416 23 0.542 0.526 0.526 0.494 0.471 0.471 24 0.613 0.597 0.597 0.560 0.535 0.535 25 0.689 0.669 0.669 0.628 0.598 0.598 26 0.767 0.745 0.745 0.700 0.665 0.665 27 0.799 0.777 0.777 0.729 0.691 0.691 28 0.839 0.815 0.815 0.765 0.725 0.725 29 0.874 0.849 0.849 0.797 0.756 0.756 30 0.916 0.890 0.890 0.836 0.792 0.792 31 0.961 0.932 0.932 0.877 0.830 0.830 32 0.994 0.964 0.964 0.906 0.859 0.859 33 1.021 0.991 0.991 0.932 0.883 0.883 34 1.042 1.012 1.012 0.951 0.901 0.901 35 1.058 1.027 1.027 0.966 0.915 0.915 36 1.066 1.035 1.035 0.973 0.923 0.923 37 1.069 1.038 1.038 0.976 0.925 0.925 38 1.076 1.045 1.045 0.982 0.931 0.931 39 1.095 1.063 1.063 1.000 0.946 0.946 40 1.117 1.085 1.085 1.020 0.966 0.966 41 1.155 1.121 1.121 1.054 0.996 0.996 42 1.212 1.177 1.177 1.106 1.047 1.047 43 1.271 1.234 1.234 1.160 1.099 1.099 44 1.346 1.307 1.307 1.229 1.162 1.162 45 1.433 1.392 1.392 1.308 1.238 1.238 46 1.527 1.482 1.482 1.394 1.321 1.321 47 1.636 1.588 1.588 1.494 1.412 1.412 48 1.769 1.718 1.718 1.616 1.527 1.527 49 1.892 1.838 1.838 1.727 1.634 1.634 50 2.014 1.956 1.956 1.840 1.738 1.738 51 2.146 2.084 2.084 1.961 1.853 1.853 52 2.255 2.191 2.191 2.061 1.946 1.946 53 2.385 2.316 2.316 2.180 2.059 2.059 54 2.499 2.428 2.428 2.286 2.156 2.156 55 2.663 2.587 2.587 2.436 2.299 2.299 56 2.805 2.726 2.726 2.567 2.422 2.422 57 3.103 3.015 3.015 2.839 2.681 2.681 58 3.463 3.365 3.365 3.168 2.992 2.992 59 3.976 3.863 3.863 3.638 3.435 3.435 60 4.911 4.772 4.772 4.495 4.247 4.247 61 6.392 6.212 6.212 5.852 5.528 5.528 62 8.351 8.117 8.117 7.648 7.221 7.221 63 11.046 10.739 10.739 10.121 9.554 9.554 64 14.768 14.359 14.359 13.534 12.763 12.763 65 19.315 18.781 18.781 17.706 16.687 16.687


Sum Assured Band


Page 12 of 84

HDFC Life Cardiac Care - Appendix II (a) : Single premium rate - Income Benefit


Income Benefit, Male, Non-medical underwriting

Age A B C D E F18 0.127 0.128 0.128 0.123 0.117 0.115 19 0.154 0.154 0.154 0.147 0.142 0.140 20 0.191 0.191 0.191 0.183 0.176 0.172 21 0.219 0.218 0.218 0.209 0.202 0.197 22 0.257 0.256 0.256 0.246 0.237 0.232 23 0.286 0.285 0.285 0.274 0.263 0.258 24 0.314 0.314 0.314 0.301 0.289 0.284 25 0.340 0.341 0.341 0.326 0.314 0.308 26 0.385 0.385 0.385 0.369 0.355 0.349 27 0.437 0.439 0.439 0.419 0.404 0.396 28 0.519 0.519 0.519 0.497 0.479 0.469 29 0.635 0.634 0.634 0.607 0.585 0.573 30 0.796 0.796 0.796 0.762 0.733 0.719 31 1.020 1.019 1.019 0.976 0.938 0.920 32 1.341 1.341 1.341 1.283 1.234 1.210 33 1.755 1.755 1.755 1.680 1.615 1.583 34 2.264 2.264 2.264 2.167 2.084 2.042 35 2.869 2.869 2.869 2.746 2.640 2.588 36 3.544 3.544 3.544 3.391 3.262 3.197 37 4.264 4.264 4.264 4.080 3.925 3.847 38 5.025 5.025 5.025 4.808 4.624 4.532 39 5.798 5.797 5.797 5.547 5.335 5.229 40 6.581 6.581 6.581 6.296 6.054 5.933 41 7.383 7.383 7.383 7.062 6.790 6.654 42 8.191 8.192 8.192 7.834 7.531 7.379 43 9.017 9.017 9.017 8.621 8.285 8.118 44 9.914 9.914 9.914 9.476 9.105 8.920 45 10.841 10.842 10.842 10.361 9.953 9.749 46 11.784 11.783 11.783 11.258 10.813 10.590 47 12.746 12.746 12.746 12.175 11.689 11.447 48 13.771 13.771 13.771 13.149 12.622 12.357 49 14.839 14.840 14.840 14.162 13.588 13.301 50 16.329 16.328 16.328 15.571 14.930 14.609 51 18.111 18.111 18.111 17.257 16.534 16.173 52 20.202 20.202 20.202 19.236 18.419 18.011 53 22.563 22.563 22.563 21.471 20.548 20.085 54 25.187 25.187 25.187 23.955 22.913 22.392 55 27.646 27.645 27.645 26.276 25.117 24.538 56 30.171 30.172 30.172 28.655 27.373 26.732 57 33.176 33.176 33.176 31.480 30.049 29.332 58 36.492 36.492 36.492 34.592 32.990 32.187 59 40.715 40.714 40.714 38.545 36.716 35.799 60 45.546 45.545 45.545 43.058 40.960 39.910 61 50.762 50.760 50.760 47.929 45.544 44.348 62 55.562 55.561 55.561 52.410 49.755 48.425 63 59.980 59.979 59.979 56.527 53.620 52.163 64 62.918 62.917 62.917 59.257 56.176 54.632 65 64.755 64.754 64.754 60.949 57.744 56.138


Sum Assured Band


Page 13 of 84



Income Benefit, Female, Non-medical underwriting

Age A B C D E F18 0.054 0.054 0.054 0.054 0.053 0.052 19 0.063 0.063 0.063 0.063 0.063 0.061 20 0.073 0.073 0.073 0.074 0.073 0.071 21 0.084 0.084 0.084 0.084 0.083 0.081 22 0.096 0.096 0.096 0.096 0.095 0.092 23 0.108 0.108 0.108 0.108 0.107 0.104 24 0.117 0.117 0.117 0.117 0.116 0.113 25 0.128 0.128 0.128 0.128 0.126 0.123 26 0.145 0.145 0.145 0.139 0.134 0.131 27 0.165 0.165 0.165 0.158 0.152 0.149 28 0.194 0.195 0.195 0.187 0.179 0.176 29 0.203 0.203 0.203 0.194 0.187 0.184 30 0.211 0.213 0.213 0.203 0.196 0.192 31 0.230 0.231 0.231 0.221 0.212 0.209 32 0.265 0.266 0.266 0.255 0.245 0.241 33 0.301 0.301 0.301 0.289 0.277 0.272 34 0.346 0.346 0.346 0.331 0.319 0.313 35 0.403 0.403 0.403 0.386 0.371 0.364 36 0.467 0.467 0.467 0.448 0.431 0.423 37 0.555 0.556 0.556 0.532 0.513 0.502 38 0.646 0.646 0.646 0.619 0.596 0.584 39 0.756 0.756 0.756 0.724 0.697 0.683 40 0.887 0.887 0.887 0.849 0.817 0.801 41 1.028 1.028 1.028 0.984 0.947 0.928 42 1.147 1.146 1.146 1.097 1.057 1.036 43 1.286 1.285 1.285 1.231 1.185 1.161 44 1.426 1.426 1.426 1.365 1.314 1.288 45 1.582 1.582 1.582 1.514 1.457 1.428 46 1.747 1.747 1.747 1.672 1.608 1.577 47 1.922 1.922 1.922 1.840 1.769 1.734 48 2.140 2.140 2.140 2.048 1.969 1.930 49 2.396 2.396 2.396 2.293 2.204 2.160 50 2.728 2.727 2.727 2.608 2.507 2.456 51 3.167 3.167 3.167 3.027 2.909 2.849 52 3.769 3.770 3.770 3.601 3.459 3.388 53 4.527 4.527 4.527 4.323 4.150 4.064 54 5.516 5.516 5.516 5.266 5.055 4.949 55 6.651 6.651 6.651 6.348 6.091 5.962 56 7.951 7.950 7.950 7.586 7.276 7.122 57 9.318 9.318 9.318 8.888 8.523 8.341 58 10.723 10.723 10.723 10.225 9.803 9.592 59 12.074 12.073 12.073 11.509 11.030 10.791 60 13.367 13.368 13.368 12.737 12.203 11.937 61 14.596 14.596 14.596 13.901 13.312 13.018 62 15.853 15.853 15.853 15.090 14.445 14.122 63 17.222 17.222 17.222 16.383 15.674 15.318 64 18.815 18.815 18.815 17.884 17.098 16.704 65 20.767 20.767 20.767 19.721 18.837 18.395


Sum Assured Band


Page 14 of 84



Income Benefit, Male, Medical underwriting, Non-Tobacco user

Age A B C D E F18 0.128 0.127 0.127 0.122 0.118 0.115 19 0.154 0.154 0.154 0.148 0.143 0.139 20 0.191 0.191 0.191 0.183 0.176 0.172 21 0.219 0.218 0.218 0.209 0.201 0.198 22 0.256 0.256 0.256 0.245 0.237 0.232 23 0.285 0.285 0.285 0.273 0.264 0.259 24 0.314 0.313 0.313 0.301 0.290 0.283 25 0.332 0.332 0.332 0.318 0.307 0.300 26 0.376 0.377 0.377 0.361 0.348 0.340 27 0.421 0.421 0.421 0.403 0.387 0.380 28 0.492 0.492 0.492 0.472 0.454 0.445 29 0.590 0.590 0.590 0.564 0.543 0.533 30 0.743 0.743 0.743 0.711 0.685 0.671 31 0.938 0.938 0.938 0.898 0.864 0.846 32 1.224 1.224 1.224 1.172 1.127 1.105 33 1.594 1.594 1.594 1.526 1.467 1.438 34 2.048 2.049 2.049 1.961 1.886 1.848 35 2.589 2.589 2.589 2.478 2.383 2.336 36 3.190 3.189 3.189 3.052 2.936 2.877 37 3.836 3.837 3.837 3.671 3.531 3.460 38 4.514 4.513 4.513 4.319 4.154 4.071 39 5.220 5.220 5.220 4.995 4.803 4.708 40 5.919 5.919 5.919 5.663 5.446 5.337 41 6.645 6.645 6.645 6.358 6.113 5.991 42 7.388 7.388 7.388 7.067 6.793 6.657 43 8.141 8.142 8.142 7.785 7.483 7.332 44 8.928 8.928 8.928 8.536 8.202 8.037 45 9.772 9.772 9.772 9.340 8.974 8.792 46 10.620 10.620 10.620 10.149 9.749 9.549 47 11.469 11.469 11.469 10.957 10.523 10.306 48 12.390 12.391 12.391 11.833 11.361 11.125 49 13.353 13.352 13.352 12.745 12.233 11.975 50 14.677 14.677 14.677 14.001 13.428 13.142 51 16.268 16.268 16.268 15.506 14.862 14.539 52 18.154 18.153 18.153 17.294 16.564 16.200 53 20.288 20.287 20.287 19.313 18.490 18.078 54 22.690 22.690 22.690 21.591 20.661 20.195 55 24.933 24.933 24.933 23.710 22.676 22.158 56 27.251 27.252 27.252 25.897 24.751 24.178 57 30.106 30.105 30.105 28.583 27.298 26.654 58 33.264 33.264 33.264 31.551 30.106 29.381 59 37.272 37.271 37.271 35.308 33.652 32.821 60 41.909 41.908 41.908 39.647 37.739 36.784 61 46.944 46.944 46.944 44.359 42.179 41.087 62 51.789 51.788 51.788 48.884 46.436 45.209 63 56.325 56.324 56.324 53.115 50.411 49.057 64 59.549 59.548 59.548 56.115 53.223 51.774 65 61.756 61.755 61.755 58.153 55.120 53.600


Sum Assured Band


Page 15 of 84



Income Benefit, Male, Medical underwriting, Tobacco user

Age A B C D E F18 0.182 0.182 0.182 0.175 0.168 0.165 19 0.210 0.209 0.209 0.201 0.193 0.189 20 0.254 0.255 0.255 0.244 0.235 0.231 21 0.292 0.292 0.292 0.279 0.269 0.263 22 0.348 0.348 0.348 0.333 0.321 0.314 23 0.393 0.393 0.393 0.377 0.363 0.355 24 0.450 0.450 0.450 0.431 0.414 0.407 25 0.496 0.496 0.496 0.475 0.457 0.448 26 0.577 0.577 0.577 0.552 0.532 0.522 27 0.650 0.650 0.650 0.622 0.600 0.587 28 0.765 0.765 0.765 0.732 0.706 0.691 29 0.926 0.925 0.925 0.886 0.853 0.836 30 1.176 1.176 1.176 1.126 1.082 1.061 31 1.503 1.503 1.503 1.438 1.383 1.356 32 2.012 2.013 2.013 1.925 1.852 1.815 33 2.668 2.668 2.668 2.552 2.454 2.405 34 3.504 3.504 3.504 3.351 3.223 3.158 35 4.491 4.491 4.491 4.296 4.130 4.048 36 5.684 5.683 5.683 5.436 5.226 5.120 37 6.973 6.973 6.973 6.668 6.409 6.280 38 8.337 8.337 8.337 7.971 7.661 7.506 39 9.755 9.755 9.755 9.326 8.962 8.781 40 11.241 11.241 11.241 10.745 10.324 10.115 41 12.702 12.702 12.702 12.138 11.661 11.423 42 14.214 14.214 14.214 13.579 13.041 12.771 43 15.802 15.803 15.803 15.090 14.487 14.185 44 17.535 17.536 17.536 16.739 16.064 15.727 45 19.369 19.369 19.369 18.481 17.730 17.354 46 21.271 21.271 21.271 20.288 19.457 19.041 47 23.234 23.234 23.234 22.151 21.234 20.775 48 25.388 25.387 25.387 24.188 23.175 22.668 49 27.649 27.649 27.649 26.323 25.203 24.641 50 30.665 30.664 30.664 29.160 27.890 27.253 51 34.257 34.256 34.256 32.534 31.080 30.351 52 38.457 38.457 38.457 36.484 34.821 33.987 53 43.105 43.105 43.105 40.851 38.949 37.997 54 48.236 48.235 48.235 45.671 43.509 42.426 55 53.062 53.061 53.061 50.184 47.760 46.544 56 57.998 57.997 57.997 54.784 52.078 50.721 57 62.965 62.964 62.964 59.410 56.419 54.919 58 68.432 68.430 68.430 64.482 61.160 59.494 59 74.031 74.029 74.029 69.659 65.985 64.143 60 80.312 80.309 80.309 75.443 71.355 69.305 61 86.868 86.865 86.865 81.483 76.962 74.694 62 93.444 93.440 93.440 87.542 82.588 80.104 63 98.775 98.771 98.771 92.438 87.120 84.452 64 103.295 103.290 103.290 96.584 90.955 88.132 65 106.133 106.128 106.128 99.156 93.305 90.370


Sum Assured Band


Page 16 of 84



Income Benefit, Female, Medical underwriting, Non-Tobacco user

Age A B C D E F18 0.046 0.047 0.047 0.045 0.043 0.042 19 0.055 0.054 0.054 0.052 0.051 0.050 20 0.064 0.064 0.064 0.061 0.059 0.058 21 0.073 0.072 0.072 0.069 0.067 0.066 22 0.082 0.083 0.083 0.080 0.077 0.074 23 0.093 0.093 0.093 0.090 0.086 0.084 24 0.101 0.101 0.101 0.097 0.093 0.091 25 0.118 0.119 0.119 0.113 0.108 0.107 26 0.136 0.136 0.136 0.130 0.125 0.123 27 0.155 0.155 0.155 0.148 0.143 0.141 28 0.184 0.184 0.184 0.176 0.170 0.167 29 0.203 0.203 0.203 0.195 0.187 0.184 30 0.212 0.212 0.212 0.204 0.196 0.193 31 0.230 0.230 0.230 0.220 0.213 0.208 32 0.257 0.257 0.257 0.247 0.238 0.234 33 0.293 0.292 0.292 0.280 0.269 0.264 34 0.336 0.337 0.337 0.323 0.311 0.305 35 0.393 0.393 0.393 0.376 0.362 0.355 36 0.457 0.457 0.457 0.438 0.422 0.414 37 0.555 0.555 0.555 0.532 0.512 0.503 38 0.638 0.638 0.638 0.612 0.588 0.577 39 0.739 0.739 0.739 0.708 0.681 0.668 40 0.861 0.860 0.860 0.824 0.793 0.778 41 0.984 0.984 0.984 0.942 0.906 0.889 42 1.075 1.074 1.074 1.029 0.990 0.971 43 1.172 1.171 1.171 1.122 1.080 1.059 44 1.257 1.258 1.258 1.205 1.159 1.137 45 1.341 1.341 1.341 1.284 1.236 1.211 46 1.423 1.423 1.423 1.362 1.311 1.285 47 1.512 1.513 1.513 1.448 1.393 1.365 48 1.681 1.681 1.681 1.608 1.547 1.516 49 1.855 1.855 1.855 1.775 1.707 1.673 50 2.080 2.080 2.080 1.990 1.913 1.874 51 2.396 2.396 2.396 2.291 2.202 2.157 52 2.829 2.829 2.829 2.704 2.599 2.545 53 3.313 3.312 3.312 3.165 3.040 2.978 54 3.993 3.993 3.993 3.815 3.663 3.587 55 4.805 4.806 4.806 4.589 4.406 4.314 56 5.816 5.815 5.815 5.552 5.327 5.215 57 6.834 6.834 6.834 6.522 6.257 6.125 58 7.898 7.897 7.897 7.536 7.230 7.076 59 8.903 8.904 8.904 8.494 8.147 7.973 60 9.815 9.815 9.815 9.362 8.978 8.786 61 10.553 10.553 10.553 10.061 9.646 9.437 62 11.284 11.284 11.284 10.755 10.308 10.083 63 12.042 12.042 12.042 11.473 10.990 10.749 64 12.940 12.940 12.940 12.321 11.797 11.534 65 14.107 14.106 14.106 13.421 12.842 12.551


Sum Assured Band


Page 17 of 84



Income Benefit, Female, Medical underwriting, Tobacco user

Age A B C D E F18 0.046 0.047 0.047 0.045 0.043 0.043 19 0.063 0.063 0.063 0.060 0.058 0.057 20 0.080 0.080 0.080 0.076 0.074 0.072 21 0.099 0.099 0.099 0.095 0.091 0.089 22 0.119 0.119 0.119 0.114 0.109 0.107 23 0.139 0.140 0.140 0.134 0.129 0.127 24 0.148 0.147 0.147 0.142 0.137 0.134 25 0.156 0.157 0.157 0.150 0.145 0.142 26 0.166 0.165 0.165 0.159 0.153 0.150 27 0.176 0.175 0.175 0.168 0.163 0.159 28 0.203 0.203 0.203 0.194 0.187 0.183 29 0.219 0.220 0.220 0.211 0.202 0.199 30 0.239 0.239 0.239 0.228 0.220 0.215 31 0.266 0.266 0.266 0.256 0.246 0.241 32 0.313 0.313 0.313 0.300 0.289 0.282 33 0.356 0.355 0.355 0.340 0.328 0.321 34 0.409 0.409 0.409 0.392 0.377 0.370 35 0.475 0.475 0.475 0.455 0.438 0.429 36 0.559 0.559 0.559 0.535 0.515 0.505 37 0.666 0.666 0.666 0.638 0.614 0.601 38 0.766 0.765 0.765 0.733 0.706 0.692 39 0.885 0.885 0.885 0.847 0.816 0.800 40 1.035 1.034 1.034 0.990 0.953 0.935 41 1.184 1.184 1.184 1.134 1.091 1.070 42 1.320 1.320 1.320 1.264 1.216 1.193 43 1.487 1.487 1.487 1.423 1.370 1.343 44 1.654 1.654 1.654 1.584 1.525 1.494 45 1.847 1.846 1.846 1.767 1.701 1.667 46 2.049 2.049 2.049 1.961 1.887 1.850 47 2.270 2.270 2.270 2.172 2.090 2.048 48 2.534 2.534 2.534 2.424 2.331 2.285 49 2.854 2.854 2.854 2.731 2.625 2.572 50 3.241 3.241 3.241 3.098 2.978 2.918 51 3.779 3.779 3.779 3.611 3.470 3.399 52 4.497 4.497 4.497 4.296 4.126 4.041 53 5.400 5.399 5.399 5.156 4.950 4.846 54 6.571 6.571 6.571 6.273 6.019 5.892 55 7.921 7.920 7.920 7.558 7.251 7.097 56 9.459 9.459 9.459 9.022 8.653 8.468 57 11.060 11.060 11.060 10.547 10.112 9.895 58 12.727 12.727 12.727 12.132 11.629 11.378 59 14.330 14.329 14.329 13.655 13.084 12.799 60 15.889 15.889 15.889 15.134 14.496 14.176 61 17.367 17.367 17.367 16.533 15.827 15.474 62 18.914 18.914 18.914 17.997 17.220 16.832 63 20.571 20.570 20.570 19.560 18.705 18.277 64 22.513 22.513 22.513 21.389 20.439 19.963 65 24.962 24.963 24.963 23.691 22.617 22.079


Sum Assured Band


Page 18 of 84




Age A B C D E F18 0.127 0.128 0.128 0.123 0.117 0.115 19 0.154 0.154 0.154 0.147 0.142 0.140 20 0.191 0.191 0.191 0.183 0.176 0.172 21 0.219 0.218 0.218 0.209 0.202 0.197 22 0.257 0.256 0.256 0.246 0.237 0.232 23 0.286 0.285 0.285 0.274 0.263 0.258 24 0.314 0.314 0.314 0.301 0.289 0.284 25 0.340 0.341 0.341 0.326 0.314 0.308 26 0.385 0.385 0.385 0.369 0.355 0.349 27 0.437 0.439 0.439 0.419 0.404 0.396 28 0.519 0.519 0.519 0.497 0.479 0.469 29 0.635 0.634 0.634 0.607 0.585 0.573 30 0.796 0.796 0.796 0.762 0.733 0.719 31 1.020 1.019 1.019 0.976 0.938 0.920 32 1.341 1.341 1.341 1.283 1.234 1.210 33 1.755 1.755 1.755 1.680 1.615 1.583 34 2.264 2.264 2.264 2.167 2.084 2.042 35 2.869 2.869 2.869 2.746 2.640 2.588 36 3.544 3.544 3.544 3.391 3.262 3.197 37 4.264 4.264 4.264 4.080 3.925 3.847 38 5.025 5.025 5.025 4.808 4.624 4.532 39 5.798 5.797 5.797 5.547 5.335 5.229 40 6.581 6.581 6.581 6.296 6.054 5.933 41 7.383 7.383 7.383 7.062 6.790 6.654 42 8.191 8.192 8.192 7.834 7.531 7.379 43 9.017 9.017 9.017 8.621 8.285 8.118 44 9.914 9.914 9.914 9.476 9.105 8.920 45 10.841 10.842 10.842 10.361 9.953 9.749 46 11.784 11.783 11.783 11.258 10.813 10.590 47 12.746 12.746 12.746 12.175 11.689 11.447 48 13.771 13.771 13.771 13.149 12.622 12.357 49 14.839 14.840 14.840 14.162 13.588 13.301 50 16.329 16.328 16.328 15.571 14.930 14.609 51 18.111 18.111 18.111 17.257 16.534 16.173 52 20.202 20.202 20.202 19.236 18.419 18.011 53 22.563 22.563 22.563 21.471 20.548 20.085 54 25.187 25.187 25.187 23.955 22.913 22.392 55 27.646 27.645 27.645 26.276 25.117 24.538 56 30.171 30.172 30.172 28.655 27.373 26.732 57 33.176 33.176 33.176 31.480 30.049 29.332 58 36.492 36.492 36.492 34.592 32.990 32.187 59 40.715 40.714 40.714 38.545 36.716 35.799 60 45.546 45.545 45.545 43.058 40.960 39.910 61 50.762 50.760 50.760 47.929 45.544 44.348 62 55.562 55.561 55.561 52.410 49.755 48.425 63 59.980 59.979 59.979 56.527 53.620 52.163 64 62.918 62.917 62.917 59.257 56.176 54.632 65 64.755 64.754 64.754 60.949 57.744 56.138


Sum Assured Band


Page 19 of 84




Age A B C D E F18 0.054 0.054 0.054 0.054 0.053 0.052 19 0.063 0.063 0.063 0.063 0.063 0.061 20 0.073 0.073 0.073 0.074 0.073 0.071 21 0.084 0.084 0.084 0.084 0.083 0.081 22 0.096 0.096 0.096 0.096 0.095 0.092 23 0.108 0.108 0.108 0.108 0.107 0.104 24 0.117 0.117 0.117 0.117 0.116 0.113 25 0.128 0.128 0.128 0.128 0.126 0.123 26 0.145 0.145 0.145 0.139 0.134 0.131 27 0.165 0.165 0.165 0.158 0.152 0.149 28 0.194 0.195 0.195 0.187 0.179 0.176 29 0.203 0.203 0.203 0.194 0.187 0.184 30 0.211 0.213 0.213 0.203 0.196 0.192 31 0.230 0.231 0.231 0.221 0.212 0.209 32 0.265 0.266 0.266 0.255 0.245 0.241 33 0.301 0.301 0.301 0.289 0.277 0.272 34 0.346 0.346 0.346 0.331 0.319 0.313 35 0.403 0.403 0.403 0.386 0.371 0.364 36 0.467 0.467 0.467 0.448 0.431 0.423 37 0.555 0.556 0.556 0.532 0.513 0.502 38 0.646 0.646 0.646 0.619 0.596 0.584 39 0.756 0.756 0.756 0.724 0.697 0.683 40 0.887 0.887 0.887 0.849 0.817 0.801 41 1.028 1.028 1.028 0.984 0.947 0.928 42 1.147 1.146 1.146 1.097 1.057 1.036 43 1.286 1.285 1.285 1.231 1.185 1.161 44 1.426 1.426 1.426 1.365 1.314 1.288 45 1.582 1.582 1.582 1.514 1.457 1.428 46 1.747 1.747 1.747 1.672 1.608 1.577 47 1.922 1.922 1.922 1.840 1.769 1.734 48 2.140 2.140 2.140 2.048 1.969 1.930 49 2.396 2.396 2.396 2.293 2.204 2.160 50 2.728 2.727 2.727 2.608 2.507 2.456 51 3.167 3.167 3.167 3.027 2.909 2.849 52 3.769 3.770 3.770 3.601 3.459 3.388 53 4.527 4.527 4.527 4.323 4.150 4.064 54 5.516 5.516 5.516 5.266 5.055 4.949 55 6.651 6.651 6.651 6.348 6.091 5.962 56 7.951 7.950 7.950 7.586 7.276 7.122 57 9.318 9.318 9.318 8.888 8.523 8.341 58 10.723 10.723 10.723 10.225 9.803 9.592 59 12.074 12.073 12.073 11.509 11.030 10.791 60 13.367 13.368 13.368 12.737 12.203 11.937 61 14.596 14.596 14.596 13.901 13.312 13.018 62 15.853 15.853 15.853 15.090 14.445 14.122 63 17.222 17.222 17.222 16.383 15.674 15.318 64 18.815 18.815 18.815 17.884 17.098 16.704 65 20.767 20.767 20.767 19.721 18.837 18.395


Sum Assured Band


Page 20 of 84




Age A B C D E F18 0.128 0.127 0.127 0.122 0.118 0.115 19 0.154 0.154 0.154 0.148 0.143 0.139 20 0.191 0.191 0.191 0.183 0.176 0.172 21 0.219 0.218 0.218 0.209 0.201 0.198 22 0.256 0.256 0.256 0.245 0.237 0.232 23 0.285 0.285 0.285 0.273 0.264 0.259 24 0.314 0.313 0.313 0.301 0.290 0.283 25 0.332 0.332 0.332 0.318 0.307 0.300 26 0.376 0.377 0.377 0.361 0.348 0.340 27 0.421 0.421 0.421 0.403 0.387 0.380 28 0.492 0.492 0.492 0.472 0.454 0.445 29 0.590 0.590 0.590 0.564 0.543 0.533 30 0.743 0.743 0.743 0.711 0.685 0.671 31 0.938 0.938 0.938 0.898 0.864 0.846 32 1.224 1.224 1.224 1.172 1.127 1.105 33 1.594 1.594 1.594 1.526 1.467 1.438 34 2.048 2.049 2.049 1.961 1.886 1.848 35 2.589 2.589 2.589 2.478 2.383 2.336 36 3.190 3.189 3.189 3.052 2.936 2.877 37 3.836 3.837 3.837 3.671 3.531 3.460 38 4.514 4.513 4.513 4.319 4.154 4.071 39 5.220 5.220 5.220 4.995 4.803 4.708 40 5.919 5.919 5.919 5.663 5.446 5.337 41 6.645 6.645 6.645 6.358 6.113 5.991 42 7.388 7.388 7.388 7.067 6.793 6.657 43 8.141 8.142 8.142 7.785 7.483 7.332 44 8.928 8.928 8.928 8.536 8.202 8.037 45 9.772 9.772 9.772 9.340 8.974 8.792 46 10.620 10.620 10.620 10.149 9.749 9.549 47 11.469 11.469 11.469 10.957 10.523 10.306 48 12.390 12.391 12.391 11.833 11.361 11.125 49 13.353 13.352 13.352 12.745 12.233 11.975 50 14.677 14.677 14.677 14.001 13.428 13.142 51 16.268 16.268 16.268 15.506 14.862 14.539 52 18.154 18.153 18.153 17.294 16.564 16.200 53 20.288 20.287 20.287 19.313 18.490 18.078 54 22.690 22.690 22.690 21.591 20.661 20.195 55 24.933 24.933 24.933 23.710 22.676 22.158 56 27.251 27.252 27.252 25.897 24.751 24.178 57 30.106 30.105 30.105 28.583 27.298 26.654 58 33.264 33.264 33.264 31.551 30.106 29.381 59 37.272 37.271 37.271 35.308 33.652 32.821 60 41.909 41.908 41.908 39.647 37.739 36.784 61 46.944 46.944 46.944 44.359 42.179 41.087 62 51.789 51.788 51.788 48.884 46.436 45.209 63 56.325 56.324 56.324 53.115 50.411 49.057 64 59.549 59.548 59.548 56.115 53.223 51.774 65 61.756 61.755 61.755 58.153 55.120 53.600


Sum Assured Band


Page 21 of 84




Age A B C D E F18 0.182 0.182 0.182 0.175 0.168 0.165 19 0.210 0.209 0.209 0.201 0.193 0.189 20 0.254 0.255 0.255 0.244 0.235 0.231 21 0.292 0.292 0.292 0.279 0.269 0.263 22 0.348 0.348 0.348 0.333 0.321 0.314 23 0.393 0.393 0.393 0.377 0.363 0.355 24 0.450 0.450 0.450 0.431 0.414 0.407 25 0.496 0.496 0.496 0.475 0.457 0.448 26 0.577 0.577 0.577 0.552 0.532 0.522 27 0.650 0.650 0.650 0.622 0.600 0.587 28 0.765 0.765 0.765 0.732 0.706 0.691 29 0.926 0.925 0.925 0.886 0.853 0.836 30 1.176 1.176 1.176 1.126 1.082 1.061 31 1.503 1.503 1.503 1.438 1.383 1.356 32 2.012 2.013 2.013 1.925 1.852 1.815 33 2.668 2.668 2.668 2.552 2.454 2.405 34 3.504 3.504 3.504 3.351 3.223 3.158 35 4.491 4.491 4.491 4.296 4.130 4.048 36 5.684 5.683 5.683 5.436 5.226 5.120 37 6.973 6.973 6.973 6.668 6.409 6.280 38 8.337 8.337 8.337 7.971 7.661 7.506 39 9.755 9.755 9.755 9.326 8.962 8.781 40 11.241 11.241 11.241 10.745 10.324 10.115 41 12.702 12.702 12.702 12.138 11.661 11.423 42 14.214 14.214 14.214 13.579 13.041 12.771 43 15.802 15.803 15.803 15.090 14.487 14.185 44 17.535 17.536 17.536 16.739 16.064 15.727 45 19.369 19.369 19.369 18.481 17.730 17.354 46 21.271 21.271 21.271 20.288 19.457 19.041 47 23.234 23.234 23.234 22.151 21.234 20.775 48 25.388 25.387 25.387 24.188 23.175 22.668 49 27.649 27.649 27.649 26.323 25.203 24.641 50 30.665 30.664 30.664 29.160 27.890 27.253 51 34.257 34.256 34.256 32.534 31.080 30.351 52 38.457 38.457 38.457 36.484 34.821 33.987 53 43.105 43.105 43.105 40.851 38.949 37.997 54 48.236 48.235 48.235 45.671 43.509 42.426 55 53.062 53.061 53.061 50.184 47.760 46.544 56 57.998 57.997 57.997 54.784 52.078 50.721 57 62.965 62.964 62.964 59.410 56.419 54.919 58 68.432 68.430 68.430 64.482 61.160 59.494 59 74.031 74.029 74.029 69.659 65.985 64.143 60 80.312 80.309 80.309 75.443 71.355 69.305 61 86.868 86.865 86.865 81.483 76.962 74.694 62 93.444 93.440 93.440 87.542 82.588 80.104 63 98.775 98.771 98.771 92.438 87.120 84.452 64 103.295 103.290 103.290 96.584 90.955 88.132 65 106.133 106.128 106.128 99.156 93.305 90.370


Sum Assured Band


Page 22 of 84



Income Benefit, Female, Medical underwriting, Non-Tobacco user

Age A B C D E F18 0.046 0.047 0.047 0.045 0.043 0.042 19 0.055 0.054 0.054 0.052 0.051 0.050 20 0.064 0.064 0.064 0.061 0.059 0.058 21 0.073 0.072 0.072 0.069 0.067 0.066 22 0.082 0.083 0.083 0.080 0.077 0.074 23 0.093 0.093 0.093 0.090 0.086 0.084 24 0.101 0.101 0.101 0.097 0.093 0.091 25 0.118 0.119 0.119 0.113 0.108 0.107 26 0.136 0.136 0.136 0.130 0.125 0.123 27 0.155 0.155 0.155 0.148 0.143 0.141 28 0.184 0.184 0.184 0.176 0.170 0.167 29 0.203 0.203 0.203 0.195 0.187 0.184 30 0.212 0.212 0.212 0.204 0.196 0.193 31 0.230 0.230 0.230 0.220 0.213 0.208 32 0.257 0.257 0.257 0.247 0.238 0.234 33 0.293 0.292 0.292 0.280 0.269 0.264 34 0.336 0.337 0.337 0.323 0.311 0.305 35 0.393 0.393 0.393 0.376 0.362 0.355 36 0.457 0.457 0.457 0.438 0.422 0.414 37 0.555 0.555 0.555 0.532 0.512 0.503 38 0.638 0.638 0.638 0.612 0.588 0.577 39 0.739 0.739 0.739 0.708 0.681 0.668 40 0.861 0.860 0.860 0.824 0.793 0.778 41 0.984 0.984 0.984 0.942 0.906 0.889 42 1.075 1.074 1.074 1.029 0.990 0.971 43 1.172 1.171 1.171 1.122 1.080 1.059 44 1.257 1.258 1.258 1.205 1.159 1.137 45 1.341 1.341 1.341 1.284 1.236 1.211 46 1.423 1.423 1.423 1.362 1.311 1.285 47 1.512 1.513 1.513 1.448 1.393 1.365 48 1.681 1.681 1.681 1.608 1.547 1.516 49 1.855 1.855 1.855 1.775 1.707 1.673 50 2.080 2.080 2.080 1.990 1.913 1.874 51 2.396 2.396 2.396 2.291 2.202 2.157 52 2.829 2.829 2.829 2.704 2.599 2.545 53 3.313 3.312 3.312 3.165 3.040 2.978 54 3.993 3.993 3.993 3.815 3.663 3.587 55 4.805 4.806 4.806 4.589 4.406 4.314 56 5.816 5.815 5.815 5.552 5.327 5.215 57 6.834 6.834 6.834 6.522 6.257 6.125 58 7.898 7.897 7.897 7.536 7.230 7.076 59 8.903 8.904 8.904 8.494 8.147 7.973 60 9.815 9.815 9.815 9.362 8.978 8.786 61 10.553 10.553 10.553 10.061 9.646 9.437 62 11.284 11.284 11.284 10.755 10.308 10.083 63 12.042 12.042 12.042 11.473 10.990 10.749 64 12.940 12.940 12.940 12.321 11.797 11.534 65 14.107 14.106 14.106 13.421 12.842 12.551


Sum Assured Band


Page 23 of 84



Income Benefit, Female, Medical underwriting, Tobacco user

Age A B C D E F18 0.046 0.047 0.047 0.045 0.043 0.043 19 0.063 0.063 0.063 0.060 0.058 0.057 20 0.080 0.080 0.080 0.076 0.074 0.072 21 0.099 0.099 0.099 0.095 0.091 0.089 22 0.119 0.119 0.119 0.114 0.109 0.107 23 0.139 0.140 0.140 0.134 0.129 0.127 24 0.148 0.147 0.147 0.142 0.137 0.134 25 0.156 0.157 0.157 0.150 0.145 0.142 26 0.166 0.165 0.165 0.159 0.153 0.150 27 0.176 0.175 0.175 0.168 0.163 0.159 28 0.203 0.203 0.203 0.194 0.187 0.183 29 0.219 0.220 0.220 0.211 0.202 0.199 30 0.239 0.239 0.239 0.228 0.220 0.215 31 0.266 0.266 0.266 0.256 0.246 0.241 32 0.313 0.313 0.313 0.300 0.289 0.282 33 0.356 0.355 0.355 0.340 0.328 0.321 34 0.409 0.409 0.409 0.392 0.377 0.370 35 0.475 0.475 0.475 0.455 0.438 0.429 36 0.559 0.559 0.559 0.535 0.515 0.505 37 0.666 0.666 0.666 0.638 0.614 0.601 38 0.766 0.765 0.765 0.733 0.706 0.692 39 0.885 0.885 0.885 0.847 0.816 0.800 40 1.035 1.034 1.034 0.990 0.953 0.935 41 1.184 1.184 1.184 1.134 1.091 1.070 42 1.320 1.320 1.320 1.264 1.216 1.193 43 1.487 1.487 1.487 1.423 1.370 1.343 44 1.654 1.654 1.654 1.584 1.525 1.494 45 1.847 1.846 1.846 1.767 1.701 1.667 46 2.049 2.049 2.049 1.961 1.887 1.850 47 2.270 2.270 2.270 2.172 2.090 2.048 48 2.534 2.534 2.534 2.424 2.331 2.285 49 2.854 2.854 2.854 2.731 2.625 2.572 50 3.241 3.241 3.241 3.098 2.978 2.918 51 3.779 3.779 3.779 3.611 3.470 3.399 52 4.497 4.497 4.497 4.296 4.126 4.041 53 5.400 5.399 5.399 5.156 4.950 4.846 54 6.571 6.571 6.571 6.273 6.019 5.892 55 7.921 7.920 7.920 7.558 7.251 7.097 56 9.459 9.459 9.459 9.022 8.653 8.468 57 11.060 11.060 11.060 10.547 10.112 9.895 58 12.727 12.727 12.727 12.132 11.629 11.378 59 14.330 14.329 14.329 13.655 13.084 12.799 60 15.889 15.889 15.889 15.134 14.496 14.176 61 17.367 17.367 17.367 16.533 15.827 15.474 62 18.914 18.914 18.914 17.997 17.220 16.832 63 20.571 20.570 20.570 19.560 18.705 18.277 64 22.513 22.513 22.513 21.389 20.439 19.963 65 24.962 24.963 24.963 23.691 22.617 22.079


Sum Assured Band


Page 24 of 84




Age A B C D E F18 0.127 0.128 0.128 0.123 0.117 0.115 19 0.154 0.154 0.154 0.147 0.142 0.140 20 0.191 0.191 0.191 0.183 0.176 0.172 21 0.219 0.218 0.218 0.209 0.202 0.197 22 0.257 0.256 0.256 0.246 0.237 0.232 23 0.286 0.285 0.285 0.274 0.263 0.258 24 0.314 0.314 0.314 0.301 0.289 0.284 25 0.340 0.341 0.341 0.326 0.314 0.308 26 0.385 0.385 0.385 0.369 0.355 0.349 27 0.437 0.439 0.439 0.419 0.404 0.396 28 0.519 0.519 0.519 0.497 0.479 0.469 29 0.635 0.634 0.634 0.607 0.585 0.573 30 0.796 0.796 0.796 0.762 0.733 0.719 31 1.020 1.019 1.019 0.976 0.938 0.920 32 1.341 1.341 1.341 1.283 1.234 1.210 33 1.755 1.755 1.755 1.680 1.615 1.583 34 2.264 2.264 2.264 2.167 2.084 2.042 35 2.869 2.869 2.869 2.746 2.640 2.588 36 3.544 3.544 3.544 3.391 3.262 3.197 37 4.264 4.264 4.264 4.080 3.925 3.847 38 5.025 5.025 5.025 4.808 4.624 4.532 39 5.798 5.797 5.797 5.547 5.335 5.229 40 6.581 6.581 6.581 6.296 6.054 5.933 41 7.383 7.383 7.383 7.062 6.790 6.654 42 8.191 8.192 8.192 7.834 7.531 7.379 43 9.017 9.017 9.017 8.621 8.285 8.118 44 9.914 9.914 9.914 9.476 9.105 8.920 45 10.841 10.842 10.842 10.361 9.953 9.749 46 11.784 11.783 11.783 11.258 10.813 10.590 47 12.746 12.746 12.746 12.175 11.689 11.447 48 13.771 13.771 13.771 13.149 12.622 12.357 49 14.839 14.840 14.840 14.162 13.588 13.301 50 16.329 16.328 16.328 15.571 14.930 14.609 51 18.111 18.111 18.111 17.257 16.534 16.173 52 20.202 20.202 20.202 19.236 18.419 18.011 53 22.563 22.563 22.563 21.471 20.548 20.085 54 25.187 25.187 25.187 23.955 22.913 22.392 55 27.646 27.645 27.645 26.276 25.117 24.538 56 30.171 30.172 30.172 28.655 27.373 26.732 57 33.176 33.176 33.176 31.480 30.049 29.332 58 36.492 36.492 36.492 34.592 32.990 32.187 59 40.715 40.714 40.714 38.545 36.716 35.799 60 45.546 45.545 45.545 43.058 40.960 39.910 61 50.762 50.760 50.760 47.929 45.544 44.348 62 55.562 55.561 55.561 52.410 49.755 48.425 63 59.980 59.979 59.979 56.527 53.620 52.163 64 62.918 62.917 62.917 59.257 56.176 54.632 65 64.755 64.754 64.754 60.949 57.744 56.138


Sum Assured Band


Page 25 of 84




Age A B C D E F18 0.054 0.054 0.054 0.054 0.053 0.052 19 0.063 0.063 0.063 0.063 0.063 0.061 20 0.073 0.073 0.073 0.074 0.073 0.071 21 0.084 0.084 0.084 0.084 0.083 0.081 22 0.096 0.096 0.096 0.096 0.095 0.092 23 0.108 0.108 0.108 0.108 0.107 0.104 24 0.117 0.117 0.117 0.117 0.116 0.113 25 0.128 0.128 0.128 0.128 0.126 0.123 26 0.145 0.145 0.145 0.139 0.134 0.131 27 0.165 0.165 0.165 0.158 0.152 0.149 28 0.194 0.195 0.195 0.187 0.179 0.176 29 0.203 0.203 0.203 0.194 0.187 0.184 30 0.211 0.213 0.213 0.203 0.196 0.192 31 0.230 0.231 0.231 0.221 0.212 0.209 32 0.265 0.266 0.266 0.255 0.245 0.241 33 0.301 0.301 0.301 0.289 0.277 0.272 34 0.346 0.346 0.346 0.331 0.319 0.313 35 0.403 0.403 0.403 0.386 0.371 0.364 36 0.467 0.467 0.467 0.448 0.431 0.423 37 0.555 0.556 0.556 0.532 0.513 0.502 38 0.646 0.646 0.646 0.619 0.596 0.584 39 0.756 0.756 0.756 0.724 0.697 0.683 40 0.887 0.887 0.887 0.849 0.817 0.801 41 1.028 1.028 1.028 0.984 0.947 0.928 42 1.147 1.146 1.146 1.097 1.057 1.036 43 1.286 1.285 1.285 1.231 1.185 1.161 44 1.426 1.426 1.426 1.365 1.314 1.288 45 1.582 1.582 1.582 1.514 1.457 1.428 46 1.747 1.747 1.747 1.672 1.608 1.577 47 1.922 1.922 1.922 1.840 1.769 1.734 48 2.140 2.140 2.140 2.048 1.969 1.930 49 2.396 2.396 2.396 2.293 2.204 2.160 50 2.728 2.727 2.727 2.608 2.507 2.456 51 3.167 3.167 3.167 3.027 2.909 2.849 52 3.769 3.770 3.770 3.601 3.459 3.388 53 4.527 4.527 4.527 4.323 4.150 4.064 54 5.516 5.516 5.516 5.266 5.055 4.949 55 6.651 6.651 6.651 6.348 6.091 5.962 56 7.951 7.950 7.950 7.586 7.276 7.122 57 9.318 9.318 9.318 8.888 8.523 8.341 58 10.723 10.723 10.723 10.225 9.803 9.592 59 12.074 12.073 12.073 11.509 11.030 10.791 60 13.367 13.368 13.368 12.737 12.203 11.937 61 14.596 14.596 14.596 13.901 13.312 13.018 62 15.853 15.853 15.853 15.090 14.445 14.122 63 17.222 17.222 17.222 16.383 15.674 15.318 64 18.815 18.815 18.815 17.884 17.098 16.704 65 20.767 20.767 20.767 19.721 18.837 18.395


Sum Assured Band


Page 26 of 84




Age A B C D E F18 0.128 0.127 0.127 0.122 0.118 0.115 19 0.154 0.154 0.154 0.148 0.143 0.139 20 0.191 0.191 0.191 0.183 0.176 0.172 21 0.219 0.218 0.218 0.209 0.201 0.198 22 0.256 0.256 0.256 0.245 0.237 0.232 23 0.285 0.285 0.285 0.273 0.264 0.259 24 0.314 0.313 0.313 0.301 0.290 0.283 25 0.332 0.332 0.332 0.318 0.307 0.300 26 0.376 0.377 0.377 0.361 0.348 0.340 27 0.421 0.421 0.421 0.403 0.387 0.380 28 0.492 0.492 0.492 0.472 0.454 0.445 29 0.590 0.590 0.590 0.564 0.543 0.533 30 0.743 0.743 0.743 0.711 0.685 0.671 31 0.938 0.938 0.938 0.898 0.864 0.846 32 1.224 1.224 1.224 1.172 1.127 1.105 33 1.594 1.594 1.594 1.526 1.467 1.438 34 2.048 2.049 2.049 1.961 1.886 1.848 35 2.589 2.589 2.589 2.478 2.383 2.336 36 3.190 3.189 3.189 3.052 2.936 2.877 37 3.836 3.837 3.837 3.671 3.531 3.460 38 4.514 4.513 4.513 4.319 4.154 4.071 39 5.220 5.220 5.220 4.995 4.803 4.708 40 5.919 5.919 5.919 5.663 5.446 5.337 41 6.645 6.645 6.645 6.358 6.113 5.991 42 7.388 7.388 7.388 7.067 6.793 6.657 43 8.141 8.142 8.142 7.785 7.483 7.332 44 8.928 8.928 8.928 8.536 8.202 8.037 45 9.772 9.772 9.772 9.340 8.974 8.792 46 10.620 10.620 10.620 10.149 9.749 9.549 47 11.469 11.469 11.469 10.957 10.523 10.306 48 12.390 12.391 12.391 11.833 11.361 11.125 49 13.353 13.352 13.352 12.745 12.233 11.975 50 14.677 14.677 14.677 14.001 13.428 13.142 51 16.268 16.268 16.268 15.506 14.862 14.539 52 18.154 18.153 18.153 17.294 16.564 16.200 53 20.288 20.287 20.287 19.313 18.490 18.078 54 22.690 22.690 22.690 21.591 20.661 20.195 55 24.933 24.933 24.933 23.710 22.676 22.158 56 27.251 27.252 27.252 25.897 24.751 24.178 57 30.106 30.105 30.105 28.583 27.298 26.654 58 33.264 33.264 33.264 31.551 30.106 29.381 59 37.272 37.271 37.271 35.308 33.652 32.821 60 41.909 41.908 41.908 39.647 37.739 36.784 61 46.944 46.944 46.944 44.359 42.179 41.087 62 51.789 51.788 51.788 48.884 46.436 45.209 63 56.325 56.324 56.324 53.115 50.411 49.057 64 59.549 59.548 59.548 56.115 53.223 51.774 65 61.756 61.755 61.755 58.153 55.120 53.600


Sum Assured Band


Page 27 of 84




Age A B C D E F18 0.182 0.182 0.182 0.175 0.168 0.165 19 0.210 0.209 0.209 0.201 0.193 0.189 20 0.254 0.255 0.255 0.244 0.235 0.231 21 0.292 0.292 0.292 0.279 0.269 0.263 22 0.348 0.348 0.348 0.333 0.321 0.314 23 0.393 0.393 0.393 0.377 0.363 0.355 24 0.450 0.450 0.450 0.431 0.414 0.407 25 0.496 0.496 0.496 0.475 0.457 0.448 26 0.577 0.577 0.577 0.552 0.532 0.522 27 0.650 0.650 0.650 0.622 0.600 0.587 28 0.765 0.765 0.765 0.732 0.706 0.691 29 0.926 0.925 0.925 0.886 0.853 0.836 30 1.176 1.176 1.176 1.126 1.082 1.061 31 1.503 1.503 1.503 1.438 1.383 1.356 32 2.012 2.013 2.013 1.925 1.852 1.815 33 2.668 2.668 2.668 2.552 2.454 2.405 34 3.504 3.504 3.504 3.351 3.223 3.158 35 4.491 4.491 4.491 4.296 4.130 4.048 36 5.684 5.683 5.683 5.436 5.226 5.120 37 6.973 6.973 6.973 6.668 6.409 6.280 38 8.337 8.337 8.337 7.971 7.661 7.506 39 9.755 9.755 9.755 9.326 8.962 8.781 40 11.241 11.241 11.241 10.745 10.324 10.115 41 12.702 12.702 12.702 12.138 11.661 11.423 42 14.214 14.214 14.214 13.579 13.041 12.771 43 15.802 15.803 15.803 15.090 14.487 14.185 44 17.535 17.536 17.536 16.739 16.064 15.727 45 19.369 19.369 19.369 18.481 17.730 17.354 46 21.271 21.271 21.271 20.288 19.457 19.041 47 23.234 23.234 23.234 22.151 21.234 20.775 48 25.388 25.387 25.387 24.188 23.175 22.668 49 27.649 27.649 27.649 26.323 25.203 24.641 50 30.665 30.664 30.664 29.160 27.890 27.253 51 34.257 34.256 34.256 32.534 31.080 30.351 52 38.457 38.457 38.457 36.484 34.821 33.987 53 43.105 43.105 43.105 40.851 38.949 37.997 54 48.236 48.235 48.235 45.671 43.509 42.426 55 53.062 53.061 53.061 50.184 47.760 46.544 56 57.998 57.997 57.997 54.784 52.078 50.721 57 62.965 62.964 62.964 59.410 56.419 54.919 58 68.432 68.430 68

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(in Rs. per Rs. 1,000 Sum Insured at inception) Premium.pdf · HDFC Life Cardiac Care - Appendix II (a) : Single premium rate - Base Benefit (in Rs. per Rs. 1,000 Sum Insured at inception)