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Home›Calculators›Health Insurance

Health Insurance Calculator

Find out how much health cover your family actually needs - in under 60 seconds.

Your Details

Recommended Cover

₹ 7,00,000

Estimated Annual Premium

₹ 11,200 - ₹ 16,800

*Indicative range. Actual premium depends on insurer, plan features, and medical history.

How is this calculated?

We use a smart formula based on IRDAI guidelines and industry benchmarks:

  • Base Cover: ₹5 Lakhs for all
  • Metro City: +50% (higher hospitalization costs)
  • Age above 45: +30% (higher risk of illness)
  • Per Additional Family Member: +₹2 Lakhs
  • Pre-existing Conditions: +₹5 Lakhs buffer

Need Help Interpreting These Results?

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