Rating scale for non-senior citizens (up to 60 years)
| Rating Scale | All Ages | |||
| Points | Weightage | |||
| Price | 35.00% | |
| Premium | 35.00% | |
| Top Quartile (cheapest) | 1.00 | 35.00% |
| 2nd quartile | 0.75 | 26.00% |
| 3rd quartile | 0.50 | 18.00% |
| 4th quartile (most expensive) | 0.00 | 0.00% |
| Product features | 45.00% | |
| Pre-existing exclusion (years) | 15.00% | |
| 1 | 1.00 | 15.00% |
| 2 | 0.75 | 11.25% |
| 3 | 0.50 | 7.50% |
| 4 | 0.25 | 3.75% |
| Over 4 years | 0.00 | 0.00% |
| Sub-limits on room | 15.00% | |
| No | 1.00 | 15.00% |
| Yes | 0.00 | 0.00% |
| No-claim bonus | 5.00% | |
| Maximum NCB of 100% or more | 1.00 | 5.00% |
| Maximum NCB of 50% to 100% | 0.75 | 4.00% |
| Maximum NCB of 25% to 50% | 0.50% | 3.00% |
| Less than 25% | 0.00 | 0.00% |
| Wellness | 2.50% | |
| No | 1.00 | 5.50% |
| Yes | 1.00 | 3.00% |
| No | 0.00 | 0.00% |
| OPD | 2.50% | |
| Yes | 1.00 | 3.00% |
| No | 0.00 | 0.00% |
| Critical illness cover | 2.50% | |
| Yes | 1.00 | 3.00% |
| No | 0.00 | 0.00% |
| Restore | 2.50% | |
| Yes | 1.00 | 3.00 |
| No | 0.00 | 0.00% |
| Claims | 20.00% | |
| Claims settled | 15.00% | |
| 95% and higher | 1.00 | 15.00% |
| 85 to 95 % | 0.50 | 8.00% |
| Less than 85% | 0.00 | 0.00% |
| Claim complaints per 10,000 claims registered | 5.00% | |
| Less than 30 | 1.00 | 5.00% |
| 30 to 60 | 0.50 | 2.50% |
| Over 60 | 0.00 | 0.00% |
| Total | 100.00% |
Rating scale for senior citizens (75 years)
| Rating Scale | All Ages | |||
| Points | Weightage | |||
| Price | 30.00% | |
| Premium | 30.00% | |
| Top Quartile (cheapest) | 1.00 | 30.00% |
| 2nd quartile | 0.75 | 23.00% |
| 3rd quartile | 0.50 | 15.00% |
| 4th quartile (most expensive) | 0.00 | 0.00% |
| Product features | 50.00% | |
| Pre-existing exclusion (years) | 15.00% | |
| 1 | 1.00 | 15.00% |
| 2 | 0.75 | 11.25% |
| 3 | 0.50 | 7.50% |
| 4 | 0.25 | 3.75% |
| Over 4 years | 0.00 | 0.00% |
| Sub-limits on room | 15.00% | |
| No | 1.00 | 15.00% |
| Yes | 0.00 | 0.00% |
| Co-Pay | 5.00% | |
| No | 1.00 | 5.00% |
| Yes | 0.00 | 0.00% |
| Disease-wise capping | 5.00% | |
| No | 1.00 | 5.00% |
| Yes | 0.00 | 0.00% |
| Disease-wise waiting (years) | 5.00% | |
| 1 | 1.00 | 5.00% |
| 2 | 0.75 | 4.00% |
| 3 | 1.00 | 3.00% |
| 4 | 0.00 | 0.00% |
| Wellness | 2.50% | |
| Yes | 1.00 | 3.00% |
| No | 0.00 | 0.00% |
| OPD | 2.50% | |
| Yes | 1.00 | 3.00 |
| No | 0.00 | 0.00% |
| Claims | 20.00% | |
| Claims settled | 15.00% | |
| 95% and higher | 1.00 | 15.00% |
| 85 to 95 % | 0.50 | 8.00% |
| Less than 85% | 0.00 | 0.00% |
| Claim complaints per 10,000 claims registered | 5.00% | |
| Less than 30 | 1.00 | 5.00% |
| 30 to 60 | 0.50 | 2.50% |
| Over 60 | 0.00 | 0.00% |
| Total | 100.00% |