I was checking star health accident care plan.I tried to check my premium on its website calculator
http://www.starhealth.in/premium_calculator.php?categoryId=accident&productId=1
I found some thing strange.First of all in its monthly Income query, i filled my actual monthly income & found that max Sum assured they are providing to me is 5 lacs and my premium is coming 702/- then since Manish had in his article on Accidental policies mentioned premiums for 10 and 20 lacs i filled my monthly income as 2 lacs.They still are providing max 5 lacs insurance.then to find lower range of insurance provided by them i entered my monthly income as 7000/- strange now my premium is shown as 253/- for sum assured of 5 lacs.Can anyone please explain what could be the logic behind difference in premium based on income level for same sum assured?