Health Insurance Calculator
Find the ideal health insurance coverage for your family based on medical inflation and lifestyle
Configure Coverage
Up to 65 years (age 100 minus eldest member's age 35)
Up to ₹10 Cr
Results
In 5 Years
₹15.00 L
In 10 Years
₹30.00 L
In 15 Years
₹57.00 L
In 20 Years
₹1.10 Cr
Coverage Needed Over Time
How medical inflation erodes your health coverage over the years
City Tier Comparison
Same profile, different city tiers — see how location impacts coverage needs
Typical Coverage Composition
Illustrative breakdown of how health insurance cover is typically utilized
Coverage Projection Over 15 Years
Year-by-year coverage needed accounting for 14% medical inflation
Key Insight
Medical inflation at 14% means a ₹5.00 L treatment today will cost ₹35.69 L in 15 years. This is why your health coverage must grow over time to keep pace with rising medical costs.
Recommendations
Buy a Base + Super Top-Up
A base policy of 5-10L combined with a super top-up is the most cost-effective way to achieve high coverage without high premiums.
Increase Cover Every 3-5 Years
With medical inflation at 14%, your coverage should be reviewed and increased every 3-5 years to remain adequate.
Separate Policy for Parents
If you have parents above 60, consider a separate senior citizen policy to avoid impacting your family floater premiums.
Do Not Rely Only on Employer Cover
Employer-provided group health insurance is often insufficient and non-portable. Always maintain an individual policy alongside.
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. The information provided on this platform is for educational purposes only and should not be considered as financial advice. Please consult a qualified financial professional before making investment decisions.
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