Premium is inclusive of Service tax at 14%. Premium is calculated based on the age of senior most covered member in family. Premium rates may vary. Please check the policy wordings for more details. Exclusions: For pre-existing conditions till 48 months of continuous coverage. Expenses incurred during first 90 days of commencement of policy (excluding accidental events). Cases of Self-inflicted injury, suicide, act of Terrorism or war/riots etc. Participation in any sport. Pre-existing diseases as mentioned will be excluded for a period of 1 / 2 years as applicable.