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Modal Premium

Disclaimer: Premiums shown are indicative and for reference only. Final premium may vary based on risk assessment, vehicle details, coverage opted, applicable taxes, and underwriting acceptance. Policy issuance is subject to insurer's underwriting guidelines and verification of documents.

Premium (₹)% Change
Product NameLine of BusinessModal Cover DescriptionSum Insured / IDVCustomer Profile (Age / Risk)FY 23-24 Year 1 (₹)FY 24-25 Year 2 (₹)FY 25-26 Year 3 (₹)FY23 to 24-25FY24 to 25-26Remarks / Assumptions
A Plus Health InsuranceHealth
  • Sum Insured across is 5 Lacs
  • Age Band – 36 to 40
  • 1A – Zone 1 – Silver Plan
  • GST not applicable
₹5,00,00036–406,9206,9206,9200%0%Base premium & no Add Ons
Complete Healthcare Insurance PolicyHealth
  • Sum Insured across is 5 Lacs
  • Age Band – 36 to 40
  • 1A – Essential Plan
  • GST not applicable
₹5,00,00036–407,1308,0408,040 13%0%Base premium & no Add Ons
Indian Bank Health Care PlusHealth
  • Sum Insured across is 5 Lacs
  • Age Band – 36 to 45
  • 1A – Plan A
  • GST not applicable
₹5,00,00036–458,33212,28012,280 47%0%Base premium & no Add Ons
IOB Health Care PlusHealth
  • Sum Insured across is 5 Lacs
  • Age Band – 36 to 45
  • 1A – Plan A
  • GST not applicable
₹5,00,00036–458,70012,31012,310 41%0%Base premium & no Add Ons
K Bank Health Care PlusHealth
  • Sum Insured across is 5 Lacs
  • Age Band – 36 to 45
  • 1A – Plan A
  • GST not applicable
₹5,00,00036–458,33213,68013,680 64%0%Base premium & no Add Ons
Individual Accident PolicyPersonal Accident
  • Sum Insured across is 10 Lacs
  • Age Band – 18 to 65
  • Occupation category – Normal
  • GST not applicable
₹10,00,00018–651,4001,4001,4000%0%Comprehensive cover with Normal category
Motor Private CarMotor
  • Comprehensive Private Car – Not exceeding 5 years
  • Exceeding 1000 cc but not exceeding 1500 cc
  • Zone A
  • New Vehicle
  • Make – Maruti Suzuki
  • Model – Baleno
₹10,00,000NA14,720(incl GST)14,720(incl GST)14,720(incl GST)0%0%Only OD premium, TP applicable as per regulation
Motor Two WheelerMotor
  • Comprehensive Two Wheeler – Not exceeding 5 years
  • Not exceeding 150 cc
  • Zone A
  • New Vehicle
  • Make – Honda
  • Model – Activa
₹1,00,000NA705(incl GST)705(incl GST)705(incl GST)0%0%Only OD premium (without any add ons), TP applicable as per regulation
Motor Goods Carrying VehicleMotor
  • Comprehensive GCV – Not exceeding 5 years
  • GVW 28000
  • Zone A
  • New Vehicle
  • Make – Ashok Leyland
  • Model – 2518 XL
₹24,70,000NA5,613(incl GST)5,613(incl GST)5,613(incl GST)0%0%Only OD premium (without any add ons), TP applicable as per regulation
Motor Passenger Carrying VehicleMotor
  • Comprehensive PCV taxi – Not exceeding 5 years
  • 1061 CC
  • Zone A
  • New Vehicle
  • Make – Maruti
  • Model – Wagon R LX
₹5,70,000NA5,797(incl GST)5,797(incl GST)5,797(incl GST)0%0%Only OD premium (without any add ons), TP applicable as per regulation
Universal Sompo – Bharat Sookshma Udyam Suraksha Fire
  • Occupancy – Office
  • With EQ Zone 4 and STFI
₹5,00,00,000NA42,185(incl GST)42,185(incl GST)42,185(incl GST)0%0%Risk Premium is based on various discounting parameters such as type of construction, fire protection systems and other factors.
Universal Sompo – Bharat Laghu Udyam Suraksha Fire
  • Occupancy – Office
  • With EQ Zone 4 and STFI
₹7,50,00,000NA60,693(incl GST)60,693(incl GST)60,693(incl GST)0%0%Risk Premium is based on various discounting parameters such as type of construction, fire protection systems and other factors.
Universal Sompo – Bharat Griha RakshaFire
  • Individual Dwelling – Home Building Incl. EQ and STFI
₹50,00,000NA1,641(incl GST)1,641(incl GST)1,641(incl GST)0%0%Risk Premium is based on various discounting parameters such as type of construction, age of building and other factors.
House Holder's Insurance PolicyMiscellaneous Section- Fire and Allied Perils - Contents (Excl. Jewellery and Valuables) ₹50,00,000 NA2,331(incl GST)2,331(incl GST)2,331(incl GST)0%0%Risk Premium is based on various discounting parameters such as type of construction, age of building and other factors.
Section - Burglary ₹50,00,000
Section - All Risk ₹ 1,00,000
Section - Public Liability ₹ 1,00,000