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.
How much health cover is enough in India today?
A single hospitalisation for a serious illness can now run into several lakhs, and medical inflation has consistently outpaced general inflation — so a cover that felt adequate a few years ago may fall short today. Being under-insured on health is one of the most common gaps in Indian households, and it is the gap most likely to derail long-term savings when it is exposed.
This calculator helps you size a sensible cover based on your city, family size and existing protection. A common, cost-effective structure is a base policy topped up with a super top-up plan, which raises your total cover for a relatively small extra premium. Relying only on an employer policy is risky, because it ends when the job does and often carries limits that a serious claim can exceed.
How this calculator works
- 1Enter your city tier, family size and any existing health cover.
- 2The calculator estimates a suitable total cover given typical treatment costs and medical inflation.
- 3It shows the gap between your current cover and the suggested level.
Frequently asked questions
How much health insurance cover do I need?
It depends on where you live and your family size, because treatment costs vary widely by city and hospital. A common approach in metros is a cover well into double-digit lakhs for a family, built as a base policy plus a super top-up. This calculator suggests a level for your situation rather than a one-size number.
What is a base plus super top-up structure?
A base policy covers claims from the first rupee up to its limit; a super top-up adds a much larger layer of cover that kicks in above a chosen threshold, for a relatively small premium. Combining the two is a cost-effective way to reach a high total cover without paying the full premium of one large policy.
Is my employer’s health cover enough?
Usually not on its own. Employer cover ends when you leave or lose the job, often has limits a serious claim can exceed, and may not cover your parents adequately. A personal policy that you own and renew independently protects you regardless of employment.
Related tools
Insurance is the subject matter of solicitation. For education only; it does not recommend any specific policy or insurer. Actual premiums and cover depend on your age, health and the insurer’s terms.
Related Calculators
Explore more tools that pair well with this one
Human Life Value Calculator
Income replacement method to find your ideal life insurance cover.
Term Insurance Calculator
Needs-based approach to find adequate term insurance with gap analysis.
Term Plan: Regular + SIP vs Limited Pay
Unique calculator: prove Regular Pay + SIP beats Limited Pay with bonus corpus at maturity.
Insurance IRR/XIRR Calculator
Decode what your life insurance policy is really yielding. Enter premium outflows, benefit inflows, and see the true IRR vs a Mutual Fund alternative.
SIP Future Value Calculator
Calculate how much your monthly SIP will grow over time with the power of compounding.
Retirement SIP Planner
Calculate the monthly SIP needed for your retirement corpus.