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SAIL Mediclaim 2020-21 Renewal Understanding Premium etc


The SAIL Mediclaim policy has announced in the month of July 2020. The policy validity will be from 11-07-2020 to 10-07-2021. The renewal has been modified for taking a super rider facility. It is optional.

First of all, the user wants to know how much will have to pay this year for various types of combinations.

Therefore I am coming on this topic directly after that other thing will be explained.

Use the Premium table like this.

The table has three columns put your finger on the row of the first column by knowing the age of the member.

Now put your another finger on the row of the second column which is under the span of your first finger by knowing the age of the spouse. Just right of that second finger is the premium; which you need to pay.

For example:

Case 1: Member's age is between 70 to 80 and spouse age is below 70. Ther premium amount is Rs 2929 + Rs 4189 = Rs 7118.00

Mr. Naseeb Ahmad has retired and his present age is 76 years and his wife's age is 64 years. Here Naseeb is falling between 70 to 80 age. His spouse is falling between 60 to 70 age category.

Case 2: Member's age is between below 70. and spouse age is below 70. Ther premium amount is Rs 4189 + Rs 4189 = Rs 8378.00 Example: Mr. Ganana has retired just now and his present age is 601 years and his wife's age is 58 years. Here Ganana is between 60 and 70. His wife's age is below 60. The premium will be as stated above.

Case 3: Member's age is between 70 to 80 and spouse age is between 70 to 80 Ther premium amount is Rs 2929 + Rs 2929 = Rs 5858.00

Example: Mr Nayan has retired and his present age is 76 years and his wife's age is 71 years. Here both are falling in the age category of 70 to 80 years age.

Top up facility:

Top facility is one of the great tools of mediclaim ; which is added this year. Many patients need the financial support of more than 2 lakh. In that case, he utilises either 2 lakh of his spouse or top-up amount that is provided from this year. I will discuss this top in a video. It will be uploaded soon.

Super top up video will be uploaded .


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