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Latest Modified Version 5.1 for the Financial year 2010- 11,

ASSESSMENT YEAR 2011-12 . with brief

Prepared this Auto Tax Calculator for common people. This tax calculator may help

you to calculate the estimated tax payable by you. If you find any inconsistency,

correction or amendments, please let me know, I will try to fix it at the earliest Please

send a detailed e-mail at bpchoudhary@gmail.com

REGARD - B.P.CHOUDHARY, 1577 SECTOR - 5, R.K.PURAM, NEW DELHI-110022 Ph :This Calculator will be used to compute the Tax for Common individuals.

Easy to understand & similar as form 16.

You can Calculate your Income Tax in Calculation Sheet & print the Working Sheet.

Once you enter the amount in the blank cells. Other cells in Calculation & Computation Sheets will calculate data & Tax

Follow the Tax Rules & Informations (where applicable). Following ready reaconer is for your reference. For instruction mov

Some Exempted Receipts / allowances

Some Exempted Income ( to be shown while Return filing)

T A X R U L E S & O T H E R U S E F U L I N F O R M A T I O N S for

HRA exemption

Transport allowance

Reimbursement of Medical bills

u/s(5) LTA is exempt

u/s 24 Exemption for interest on housing loan.

u/s 80C Maximum exemption

u/s 80D Medical Insurance

u/s 80DD Deduction in respect of medical treatment of handicapped dependents

u/s 80DDB Deduction in respect of medical treatment for specified ailments or diseases

u/s 80E Interest repayment on education loan

u/s 80G Donations given for certain charities

u/s 80GG If you are not getting HRA, but living in rented house,

u/s 80U If you have a permanent physical disability

KNOW MORE about DEDUCTION under Section 80-C

Qualifying Investments u/s 80C

Provident Fund (PF) & Voluntary Provident Fund (VPF)

Life Insurance Premiums

Unit linked Insurance Plan : ULIP

Public Provident Fund (PPF):

National Savings Certificate (NSC):Home Loan Principal Repayment:

Tuition fees for 2 children

Equity Linked Savings Scheme (ELSS)

5-Yr bank fixed deposits (FDs) or 5-Yr post office time deposit (POTD)

Pension Funds or Pension Policies

Stamp Duty and Registration Charges for a home:

Infrastructure Bonds: NABARD rural bonds:

uto Income Tax Calculator by B.P.Choudhary (Tax Consultant)Calculate your Tax in Just 5 Minutes

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Senior Citizen Savings Scheme 2004 (SCSS)

I M P O R T A N T - A D V I S ES

Some Exempted Receipts / allowances are

1. Medical Reimbursement (Max Rs.15000/- Per annum) 2. L.T.A (as per Rule)

3. Uniform Allowance (to meet the expenditure incurred on purchase or maintenance of uniform for Official Duty

4. Entertainment allowance (for Govt Employees) Max 5000/-

5. Academic Allowance (for encouraging academic, research & training pursuits) including Newspaper et

6. Children Education Allowance (Rs.100 P.M. per Child / (Rs.300 for Hostel Expenditure) Max of 2 Children)

Some Exempted Income are ( to be shown while Return filing)

1. Withdrawal / Maturity received from PF,PPF,Insurance Co., Agriculture. (Max up to 5000/- )

2 Long Term Capital Gain

3 Dividend on shares in companies

4. Interest on Post Office & PPF A/C

Please Note :

(i) Interest earned from all sources is to be included. All interest (including saving Bank A/C, FD) income is fully

(II) As per clarification from IT department, all perquisites such as rent-free accommodation, company provided car,

free or concessional education facilities, employee stock option plan, free club membership, company provided

HRA exemption = minimum of (40% (50% for metros) of Basic+DA or HRA or rent paid - 10% of Basic+DA)

Transport allowance is exempt up to Rs.800/- per month provided the person is in India during the month.

For people having permanent physical disability, the exemption is Rs.1,600/- per month

Reimbursement of Medical bills are exempt for self and dependent family, up to Rs.15,000/- per annum

u/s(5) LTA is exempt to the tune of economy class Train/ Air /Recognised public Transport fare for the family to any

destination in India, by the shortest route. LTA can be claimed twice in a block of 4 calendar years. The current

u/s 24 There is anExemption for interest on housing loan.(for Self occupied Residence). If the loan was taken before Apr

1, 1999 exemption is limited to Rs.30,000/- per year. If the loan was taken after Apr 1, 1999 exemption is limited to

Rs.1,50,000/- per year if the house is self-occupied; There is no limit if the house is rented out

If you have rented out your house, enter the total income / loss from the house (after deducting property tax and standard

u/s 80C Maximum exemption up to Rs. 120000/- Investments up to 1 lac in PF, VPF, PPF, Insurance Premium, Housingloan principal repayment, NSC, ELSS, long term bank Fixed Deposit, Post Office Term Deposit, etc. are deductible from the

taxable income. There is no limit on individual items, (for example) all 1 lac can be invested in NSC, . The only exception is

u/s 80D Medical Insurance (such as Mediclaim & Critical illness Cover) premium is exempt up to Rs. 30,000/ per year (Rs

15,000/- for self,spouse and children ) (Rs. 15000/- for Parents. If the premium includes for a dependent who is (Senior

u/s 80DD Deduction in respect of medical treatment of handicapped dependents is limited to Rs.75,000/- per year if the

disability is less than 80% and Rs.1,00,000/- per year if the disability is more than 80%

u/s 80DDB Deduction in respect of medical treatment for specified ailments or diseases for the assesse or dependent

can be claimed up to Rs.40,000/- per year. If the person being treated is a senior citizen, the exemption can go up to

Rs.60,000/-. but any amount received under Medical Insurance Policy will be reduced from theamount of deduction

allowed. The Diseases and ailments specified under rule 11DD are.

(1)neurological diseases being demetia, dystonia musculorum deformans, motor neuron disease, ataxia, chorea,

u/s 80E Interest repayment on education loan (taken for higher education from a university of self & dependents) isu/s 80G Donations given for certain charities are tax exempt. Some are exempt to the tune of 50%, whereas others are

u/s 80GG If you are not getting HRA, but living in rented house, an exemption is available. This will be calculated as

minimum of (25% of total income or rent paid - 10% of total income or Rs.24,000/- per year)

u/s 80U If you have a permanent physical disability (including blindness), you can take an exemption (subject to maximum

KNOW MORE about DEDUCTION under Section 80-C

T A X R U L E S & O T H E R U S E F U L I N F O R M A T I O N

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o e ncome ax c a ows cer a n nves men s an expen ure o e e uc rom o aincome. One must plan investments well and spread it out across the

various instruments specified under this section to avail maximum tax benefit. There are no sub-limits and is

irrespective of how much you earn and under which tax bracket you fall. Most of the Income Tax payee try to save

tax by saving under Section 80C of the Income Tax Act. However, it is important to know the Section in total. so

Qualifying Investments u/s 80C areProvident Fund (PF) & Voluntary Provident Fund(VPF) PF is automatically deducted from your salary. your

contribution [12% of Basic] (i.e., employees contribution) is counted towards section 80C investments. You also

have the option to contribute additional amounts through voluntary contributions (VPF). Current rate of interest is

Corporation (LIC) or any other Insurance CO.for yourself, your spouse or your children can also be included in

Section 80C deduction. If you are paying premium for more than one insurance policy, all the premiums will be

included. also premium paid for ULIP will also be treated as Premium paid for Life Insurance Policies.

Unit linked Insurance Plan : ULIP stands for Unit linked Saving Schemes. ULIPs cover Life insurance with

benefits of equity investments.They have attracted the attention of investors and tax-savers not only because they

: mong a e assure re urns sma sav ng sc emes, u c rov en un

(PPF) is one of the best. Current rate of interest is 8% tax-free and the normal maturity period is 15 years.

National Savings Certificate(NSC): National Savings Certificate (NSC) is a 6-Yr small savings instrumenteligible for section 80C tax benefit. Rate of interest is 8% compounded half-yearly, i.e., the effective annual rate

of interest is 8.16%. If you invest Rs 1,000, it becomes Rs 1601 after six years. The interest accrued every year is

your home loan consists of two components Principal and Interest.The principal component of the EMI

qualifies for deduction under Sec 80C. Even the interest component can save you significant income tax but

u on ees or c ren par orm e a ove ma or nves men s expenses or c ren s e uca on n y

Tution Fee (for which you need receipts)), can be claimed as deductions under Sec 80C.

qu y n e av ngs c eme : ere are some mu ua un sc emes spec a y crea e or

offering you tax savings, and these are called Equity Linked Savings Scheme, or ELSS. The investments that you

5-Yr bank fixed deposits(FDs): Tax-saving fixed deposits (FDs) of scheduled banks with tenure of 5 years are

also entitled for section 80C deduction. 5-Yr post office time deposit(POTD) scheme: POTDs are

similar to bank fixed deposits. Although available for varying time duration like one year, two year, three year and

five year, only 5-Yr post-office time deposit (POTD) which currently offers 7.5 per cent rate of interest qualifies

Pension Funds or Pension Policies Section 80CCC: This section Sec 80CCC stipulates that an

investment in pension funds is eligible for deduction from your income. Section 80CCC investment limit is clubbed

with the limit of Section 80C it maeans that the total deduction available for 80CCC and 80C is Rs. 1 Lakh.This

also means that your investment in pension funds upto Rs. 1 Lakh can be claimed as deduction u/s 80CCC.tamp uty an eg strat on arges or a ome: The amount you pay as stamp duty when you buy a house,

and the amount you pay for the registration of the documents of the house can be claimed as deduction under

.

companies, and not the government. The amount that you invest in these bonds can also be included in Sec 80C

deductions.NABARD rural bonds: There are two types of Bonds issued by NABARD (National Bank for Agriculture and

en or zen av ngs c eme : recent a t on to sect on 80 st, en or t zen av ngs

Scheme (SCSS) is the most lucrative scheme among all the small savings schemes but is meant only for senior

citizens. Current rate of interest is 9% per annum payable quarterly. Please note that the interest is payable

quarterly instead of compounded quarterly. Thus, unclaimed interest on these deposits wont earn any further

I M P O R T A N T - A D V I S ES

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Mostly people gives estimated declaration at year starting to minimise their Tax Liabilities but could not

save up to last and face heavy burden in last months. Many of us start looking for investment avenues

only in February or March, just before the Financial Year is getting over. This is a big mistake! One, you

would end up investing your money without putting proper thought to it. And secondly, you would end

up losing the interest / appreciation for the whole year. Instead, decide where you want to make the

investments, and start investin ri ht from the be innin of the financial ear from A ril. so it is

Pls. get in touch with me for Tax saving schemes to mininimize your Tax liabilities. I amproviding consultancy for Tax assessment and good Customise Security & investment Plans .

H O W T O G E T A N U P D A T E

This tax calculator constantly gets updated to fix errors found as well as to add new features

This may also be changed when there are changes in tax rules that affect income tax computation

You can send an e-mail for the current version of tax calculator, within a day or two. Once you send a request for our

calculator. In future we will send you an updated version autimatically.whenever I update,

I P R O V I D E S E R V I C E S F O R

TAX ASSESSMENT(CALCULATION)

IT RETURNS

PAN CARD

CUSTOMISED SAVINGS / INVESTMENTS / INURANCE

C A L L M E F O R P R E S E N T A T I O N : B. P. C H O U D A R Y P h : 9 8 1 1 3 0 2 4 9 7, 9 2 1 1 1 2 5 5 8

1577 SECTOR-5 R.K.PURAM NEW DELHI-110022

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WORKING SHEET OF INCOME TAX D.O.B Tax Calculator2010-1

for the Financial Yr 2010-10, Assessment yr 2011-12 SEX - MALE

SHYAM SUNDER AGARWALA PAN

ADDRESS :

1. Gross Annual Income/Salary 510000

2. Less: Allowances exempt u/s 10 0

(I) H.R.A. exemption 0

(II) Conveyance allowances 0

(iii) Professional Tax 0

( iv) Any Other Exempted Receipts/ Allowances 0

3. Income under the head salaries 510000

4. Add: Any other income from other sources 197697

1. Interest received from following Investments

a. Bank (Saving /FD /Rec ) 22821

b. N.S.C. (accrued/ Recd ) 0

c. Post Office M.I.S (6 yrs.) 0

d. Post Office Recurring Deposit (5 yrs.) 0

e. Term Deposit (1 to 5 yrs.) 0

f. Saving Bonds (6yrs.) 0

g. Kishan Vikas patra 0

2. Any Other Income 5712

3. Any Other Income 169164

5. Income from house property 0

6. Gross Total Income 707697

7. Less: Deduction under chapter VI A -84745a. Less: Deduction under Sec 80C 84743

1. PF & VPF Contribution 0

2. Life Insurance premiums 44743

3. PPF a/c Contribution 40000

4. N.S.C (Investment +accrued Int first five year) 0

5. Housing. Loan (Principal Repayment ) 0

6. Tuition fees for 2 children 0

7. E.L.S.S ( Mutual Fund ) 0

8. FD (5 Years and above) 0

9. 80 ccc Pension Plan 0

10. Tax Savings Infrastructure Bonds (Max up to 20,000) 0

b 1. u/s 80 D Medical Insurance premiums (for Self ) 0

b 2. 80 D Medical Insurance premiums (for Parents) 0 457850

c. u/s 80 E Int Paid on Education Loan 0

d. u/s 80G Donation to approved fund 0e. Any other Deduction U/S 80 A-U 0

8. Total Income 622952

9. Total Taxable Income (Round off to nearest 10 rupees) 622950

10. Tax on Total Income 58590

11. Add; Edn Cess @ 3% 175812. Total Tax Payable 60347.7

13. Tax Deduction at Source 57442

14. Balance Tax Payable 2906

PHONE :

Email id-

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Income Tax treatment / Taxability of Agricultural IncomeAgriculturalIncome

What does the term Agricultural Income mean?

Certain points have to be kept in mind: In order to consider an income as agricultural income

Certain income which is treated as Agriculture Income -

Certain income which is not treated as Agricultural Income;

Certain points to be remembered;

UNDERSTAND TAX CALULATION WITH AGRICULTURE INCOME with 2 examples

AgriculturalIncome :Agriculture income is exempt under the Indian Income Tax Act.u/s 10 (1)This means

that income earned from agricultural operations is not taxed. However while computing tax on non-agricultural

What does the term Agricultural Income mean?

As per Income Tax Act income earned from any of theunder given three sources meant Agricultural Income;

(i)Any rent received from land which is used for agricultural purpose: Assessees do not have to pay tax on rent

or revenue from agricultural land. Such land should, of course, be assessed to land revenue in the country or be

subject to a local rate. Further, there must be a direct link between the agricultural land and the receipt of incomeby way of rent or other revenue (for instance, a landlord could receive revenue from a tenant).

(ii)Any income derived from such land by agricultural operations including processing of agricultural produce,

raised or received as rent in kind so as to render it fit for the market, or sale of such produce.

iii)Income attributable to a farm house subject to the condition that building is situated on or in the immediate

vicinity of the land and is used as a dwelling house, store house etc. Income from such farm houses is considered

agricultural income. The definition of `farm houses covers buildings owned and occupied by both cultivators of

agricultural land and assessees who receive rent or revenue from agricultural land. The sole purpose of such

farmhouses should be for use as dwellings for the cultivators or use as store houses. Normally, the annual value of

In order to consider an income as agricultural income certain points have to be kept in mind:

(i) There must me a land.

(ii)The land is being used for agricultural operations:-

Certain income which is treated as Agriculture Income -(a) Income from sale of replanted trees.

(b) Rent received for agricultural land.

(c) Income from growing flowers and creepers.

(d) Share of profit of a partner from a firm engaged in agricultural operations.

(e) Interest on capital received by a partner from a firm engaged in agricultural operations.

(f) Income derived from sale of seeds.

(g) Income from sa ling or seedings grown in nurseryCertain income which is not treated as Agricultural Income;

(a) Income from poultry farming.

(b) Income from bee hiving.

(c) Income from sale ofspontaneously grown trees.

(d) Income from dairy farming.(e) Purchase of standing crop.

(f) Dividend paid by a company out of its agriculture income.

(g) Income of salt produced by flooding the land with sea water.

(h) Royalty income from mines.

(i) Income from butter and cheese making.

(j) Receipts from TV serial shooting in farm house is not agriculture income.

Certain oints to be remembered;(a) Agricultural income is considered for rate purpose while computing tax of Individual/HUF/AOP/BOI/Artificial

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(b) Losses from agricultural operations could be carried forward and set off with agricultural income of next eight

(c) Agriculture income is computed same as business income.

UNDERSTAND TAX CALULATION WITH AGRICULTURE INCOME

Although agricultural income is not taxable, it must be included with non-agricultural income in the case of

Individual assessees who pay tax at prescribed slab rates.

EX-1 Take the case of Mr.B.P.Choudhary, who earned an agricultural income of Rs 1,50,000 and non-agricultural

(a) Agricultural income (Rs 1,50,000) plus non-agricultural income (Rs 2 lakh) = Rs 3.5 lakh.

(b) Income tax on Rs 3.5 lakh = Rs 19,000

(c) Tax on agricultural income of Rs 1,50,000 plus basic exemption of Rs 1.60,000 = Rs 15,000.

(d) Tax payable = (b) (c) = Rs 4,000/-

Mr. Choudhary would have ended up paying Rs 4,000 in taxes on a non-agricultural income of Rs 2 lakh if it wasnt

for the provision governing inclusion of agricultural income for rate purposes. Following the inclusion clause, he

EX-2 Ihave business income of Rs 4,00,000 and agricultural income of Rs 2,50,000. These figures relate to theFinancial year 2010-11. How will my tax liability be computed?

Agricultural income is exempt under Section 10(1) of the Act so long as the income is derived from agricultural

land situated in India. This income is, however, included merely for rate purposes and rebate is allowed on the

same in accordance with the Finance Act. No Tax is payable if total Income of an individual do not exceed

PARTICULARS

Business IncomeAgricultural Income

Income Including Agricultural Income

Tax on 6,50,000/-

Less: Rebate on Agricultural Income

(Tax on 2,50,000+1,60,000 being basic Exemption)

Net Tax Payable

Add: Education Cess 3%

Total tax Payable

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Deduction u/s 80D for Mediclaim Premium available to Individual,Deduction in respect of Medical Insurance Premium (Mediclaim / Critical illness) paid to keep in force

insurance by individual either on his own health or on the health of spouse, dependent parents and

medical bills could wipe out your savings. So It is the only tool to protect. against heavy financial burden for

treatment in hospitals

For Inquire about MEDICLAIM POLICY from National Insurance - mail me at - bpchoudhary@gmail.com

Informations about Mediclaim policy1. Premium based on Age:

2. Who can take the Policy

3. Cover Age

4. How much Sum Insured can be taken ?

5. Deduction from Total Taxable Income

6. Partly contribution can be benefitted

7. Which Policies Premium is allowed?

8. What is the eligible amount of the deduction u/s 80 D ?

9. INDIVIDUAL MEDICLAIM POLICY from National Insurance Company Limited

10. what are the SALIENT FEATURES of Individual Mediclaim policy?

11. what are the PREMIUMS (as per sum insured & age group)?

12. Floater mediclaim Policy (PARIVAR) from National Insurance Company Limited

13. SALIENT FEATURES of PARIVAR (floater) Mediclaim policy?14. PARIVAR Mediclaim policy Premium up to Age 35 Years

15 PARIVAR Mediclaim policy Premium for 36 to 45 years

16 PARIVAR Mediclaim policy Premium for 46 to 50 years

17. PARIVAR Mediclaim policy Premium for 51 to 55 years

18. PARIVAR Mediclaim policy Premium for 56 to 60 years. : - e prem um ra es w vary among e nsurers an w a so epen on your age.

The older you are, the higher the premium. For example, Mediclaim policy from General Insurance Corporation has

-. - , -

individual is taking the deduction, the medical insurance policy can be taken in the name of any of the following: the

taxpayer or the spouse, parents or dependent children* of the taxpayer. Note - parents need not

be renewed up to the age of 80 years. Children above the age of 3 months can be covered with the parents. male

child can be covered up to the age of 25 years. Female child can be covered up to the time, she is unmarried.

. : n mum sum nsure s a e s , - an can e ncrease n mu p es o s , -up o

. - , ,

6. art y contr ut on: If part payment is done by you and part payment by the Spouse / parent, both can claim

deduction to the extent of their contribution subject to maximum allowed but amount should be paid directly to

insurance com an and aid throu h mode other than b cash.. : - e c a m prem um pa un er e ca nsurance sc eme o enera

Insurance's Company approved by the Central Government, or any other insurer approved by the Insurance

Regulatory & Development Authority (IRDA). Or Critical illness Cover / Health Insurance by Life Insurance's

8. at s t e e g e amount o t e e uct on

Basic deduction: Mediclaim premium paid for Self, Spouse or dependant children. Maximum deduction Rs

15,000.Premium paid for Parents Maximum deduction Rs 15,000. In case any of the persons is a senior citizen(i.e. 65 years or more as of end of the year) and Mediclaim Insurance premium is paid for such senior citizen,

deduction amount is enhanced to Rs. 20 000.

NATIONAL INSURANCE COMPANY LTD.1. INDIVIDUAL MEDICLAIM POLICY

Provides protection to individuals, families, employers, employees against heavy financial burden for

treatment in hospitals for illness, disease accident, whether involving surgery or not.

With Tax Saving other than saving of 80C (1, 20,000)

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1. SALIENT FEATURES

The policy cover reimbursement of Hospitalisation expenses for illness/diseases or injury sustained. Pre & Post hospitalization expenses incurred 30 days before & 60 days after hospitalisation are reim Photo identification card for cashless medical benefits over networked hospitals across the country o NO Medical Tests required up to 50 years. Family Discount - 10% in the total premium allowed when insured & any one or more member are cover Cumulative Bonus: Sum insured shall be progressively increased by 5% in each claim free year up to 50 Reimbursement of cost of medical checkup (up to 1% of the average Sum Insured). Tax Benefits - Under Sec 80D. Sum Insured Rs 50,000/- up to Rs 5 lacs. TPA option: The premium includes cashless facility through TPA. If the policyholder does not require Ca

2. PREMIUMS (as per sum insured & age group)

NATIONAL INSURANCE COMPANY LTD.

2. PARIVAR ( FLOATER ) MEDICLAIM for FAMILIES

This is a Family Floater Health Insurance Policy, Entire family is covered under single Sum Insured. (Family

means Self, Spouse & two dependant children up to an age of 25 years.) [Parents are not covered]

The Policy covers reimbursement of Hospitalisation expenses for illness/diseases contracted or injury. In

the event of any claim becoming admissible under the policy, the Company either pays to the

Hos ital/Nursing Home through TPA or directly to the insured if TPA service is not availed by the insured.

1. SALIENT FEATURES

re os osp a za on e ca expenses ncurre 15 ays e ore & 30 ays a ter osp ta sat on

Photo identification card for cashless medical benefits over networked hospitals across the country o Age- Persons between the ages of 3 months to 60 years are eligible.

SUMINSURED 0-25

YRS

From26-35YRS

From36-45YRS

From46-55YRS

From56-65YRS

From66-70YRS

From71-75YRS

From76-80YRS

Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs.

50000 541 710 956 1635 2158 2688 2881 3555

75000 785 1031 1386 2371 3125 3886 4162 5126

100000 1049 1377 1852 3161 4180 5196 5567 6890

125000 1292 1696 2282 3909 5173 6436 6945 8751150000 1536 2016 2713 4656 6165 7677 8323 10611

175000 1755 2304 3101 5351 7094 8847 9633 12402

200000 1975 2592 3488 6045 8025 10019 10941 14193

225000 2170 2848 3832 6685 8893 11122 12182 15917

250000 2365 3104 4177 7326 9761 12224 13422 17638

275000 2560 3360 4521 7967 10629 13326 14662 19362

300000 2755 3616 4866 8608 11498 14429 15902 21083

325000 2926 3840 5168 9196 12303 15461 17074 22737

350000 3096 4064 5469 9782 13110 16496 18245 24391

375000 3267 4288 5771 10371 13915 17528 19417 26044

400000 3438 4512 6071 10957 14722 18563 20587 27698

425000 3608 4736 6373 11545 15527 19595 21760 29351450000 3779 4960 6675 12132 16334 20630 22930 31005

475000 3950 5184 6977 12720 17140 21662 24102 32659

500000 4120 5408 7277 13307 17947 22687 25273 34312

Service Tax 10.3% of the premium to be added (after family discount if applicable)

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NO Medical Tests required up to 60years. Pre-Existing Diseaseswill be covered after 4 continuous Claim free year. Hospitalisation expenses of person donating organ during the course of Organ Transplant are Tax Benefits - Under Sec 80D. Premium given by you will be fully deducted from Taxable Income. Sum Insured Rs 2Lacs to Rs 5 Lacs. In case any member of the family is suffering from hypertension or diabetes, will be covered after paying1 In case any member of the family is suffering from hypertension and diabetes, will be covered after paying

Premium Chart Up to 35 years

36 to 45 years

46 to 50 years

51 to 55 years

Sum

InsuredSelf Spouse 1

stChild 2

nChild 2 Adults +

2 Kids2Adults +

1 Kid

(Rs.) 25% 20% 20%2,00,000 2469 617 494 494 4074 35802,50,000 2956 739 591 591 4877 42863,00,000 3444 861 689 689 5683 49943,50,000 3870 968 774 774 6386 56124,00,000 4297 1074 859 859 7089 62304,50,000 4723 1181 945 945 7794 68495,00,000 5151 1288 1030 1030 8499 7469

SumInsured

Self Spouse 1st

Child 2n

Child 2 Adults +2 Kids

2Adults +1 Kid

(Rs.) 30% 20% 20%2,00,000 2683 805 537 537 4561 40252,50,000 3213 964 643 643 5462 48203,00,000 3743 1123 749 749 6363 56153,50,000 4207 1262 841 841 7152 63114,00,000 4670 1401 934 934 7939 70054,50,000 5135 1541 1027 1027 8730 7703

5,00,000 5598 1679 1120 1120 9517 8397

SumInsured

Self Spouse 1st

Child 2n

Child 2 Adults +2 Kids

2Adults +1 Kid

(Rs.) 35% 20% 20%2,00,000 4290 1502 858 858 7508 66502,50,000 5200 1820 1040 1040 9099 80603,00,000 6108 2138 1222 1222 10690 94683,50,000 6942 2430 1388 1388 12149 107604,00,000 7776 2722 1555 1555 13608 120534,50,000 8610 3013 1722 1722 15067 133455,00,000 9444 3305 1889 1889 16526 14637

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56 to 60 years

For Inquire about MEDICLAIM POLICY from National Insurance - contact me at - bpchoudhary@gmail.co

SumInsured

Self Spouse 1st

Child 2n

Child 2 Adults +2 Kids

2Adults +1 Kid

(Rs.) 40% 20% 20%

2,00,000 4485 1794 897 897 8073 7176

2,50,000 5436 2174 1087 1087 9785 8698

3,00,000 6386 2554 1277 1277 11495 10218

3,50,000 7258 2903 1452 1452 13064 11612

4,00,000 8129 3252 1626 1626 14633 130074,50,000 9001 3600 1800 1800 16202 14402

5,00,000 9873 3949 1975 1975 17771 15796

SumInsured

Self Spouse 1st

Child 2n

Child 2 Adults +2 Kids

2Adults +1 Kid

(Rs.) 40% 20% 20%

2,00,000 5127 2051 1025 1025 9228 8203

2,50,000 6236 2495 1247 1247 11226 9978

3,00,000 7346 2938 1469 1469 13223 11754

3,50,000 8375 3350 1675 1675 15076 134014,00,000 9406 3762 1881 1881 16931 15049

4,50,000 10436 4175 2087 2087 18785 16698

5,00,000 11466 4586 2293 2293 20638 18345

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ursed.

r reimbursement of Hospitalisation expenses.

ed.

%.

hless facility then 6% discount on premium

r reimbursement of Hospitalisation expenses.

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also covered

% extra premium on the total premium.

25% extra premium on the total premium.

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m ph: 9811302497, 9211125587