Rating scale for non-senior citizens (up to 60 years)


Rating Scale All Ages
Points Weightage
Price 30.00%  
Premium 30.00%  
Top Quartile (cheapest) 1.00 30.00%
2nd quartile 0.75 22.50%
3rd quartile 0.50 15.00%
4th quartile (most expensive) 0.00 0.00%
Product features 40.00%  
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 (NCB) 5.00%  
Maximum NCB of 100% or more 1.00 5.00%
Maximum NCB of 50% to 100% 0.75 3.75%
Maximum NCB of 25% to 50% 0.50% 2.50%
Less than 25% 0.00 0.00%
Wellness 2.50%  
No 1.00 2.50%
Yes 1.00 3.00%
No 0.00 0.00%
Restore 2.50%  
Yes 1.00 2.50%
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 25.00%
85 to 95 % 0.50 12.50%
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 25.00%  
Premium 25.00%  
Top Quartile (cheapest) 1.00 25.00%
2nd quartile 0.75 18.75%
3rd quartile 0.50 12.50%
4th quartile (most expensive) 0.00 0.00%
Product features 13.50%  
Pre-existing exclusion (years) 13.50%  
1 1.00 13.50%
2 0.75 10.13%
3 0.50 6.75%
4 0.25 3.38%
Over 4 years 0.00 0.00%
Sub-limits on room 13.50%  
No 1.00 13.50%
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 3.75%
3 0.50 2.50%
4 0.00 0.00%
Wellness 2.50%  
Yes 1.00 3.00%
No 0.00 0.00%
Wellness 3.00%  
Yes 1.00 3.00
No 0.00 0.00%
Claims 30.00%  
Claims settled 25.00%  
95% and higher 1.00 25.00%
85 to 95 % 0.50 12.50%
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%