Secure Your Health
Health Insurance Calculator
Find the right health cover for you and your family based on age, city, lifestyle, and existing policies. Get an instant premium estimate.
Your Details
32
1875
Healthcare costs vary by city. Tier 1 cities need higher cover.
3
18
₹0
₹0₹20 Lakh
If you already have employer or personal cover, subtract it here.
Sedentary lifestyle increases health risks → higher recommended cover.
Recommended Health Cover
Ideal Sum Insured
₹22,50,000
For 3 members (₹₹7,50,000 per person average)
Age Factor
1x
Base cover adjusted
City Factor
1.5x
Tier 1 (Metros)
Estimated Annual Premium
For family floater plan₹33,750 / year
Monthly equivalent₹2,813
* Premiums vary by insurer, age, and add‑ons. This is a rough estimate.
Risk Profile: Moderate
Your cover is adequate for most scenarios. Consider critical illness rider.
Why this cover?
- Hospitalisation costs in top cities can exceed ₹10L for major surgeries.
- Family floater plans cover all members under one sum insured.
- Add critical illness rider for cancer, heart diseases, etc.
Health Insurance Essentials
Waiting period: Most policies have 30 days for illnesses, 2-4 years for pre‑existing diseases.
No Claim Bonus (NCB): Increase sum insured by 50% for every claim‑free year.
Co-payment & deductibles: Higher co-pay lowers premium but increases out‑of‑pocket cost.
Restoration benefit: Reinstates sum insured if exhausted in a year – very useful.