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Calculate your ideal health insurance coverage with our advanced calculator. Get personalized premium estimates based on age, medical history, lifestyle factors, and family needs. Free online tool with instant results.
Your basic details for coverage calculation
Family details and lifestyle factors
Pre-existing conditions and health status
Customize your insurance coverage
Higher copayment reduces premium
Fill in your details and click Calculate Coverage to see your personalized health insurance recommendations
Expert Information: This calculator and guide are developed based on IRDAI (Insurance Regulatory and Development Authority of India) guidelines, industry standards, and financial planning best practices. All calculations follow standard actuarial principles used by insurance companies in India.
Health insurance is essential financial protection against rising medical costs in India. Our advanced health insurance calculator helps you determine the ideal coverage amount based on your age, income, medical history, lifestyle factors, and family needs. With healthcare inflation at 10-15% annually, having adequate health insurance coverage is crucial for financial security.
Provide age, gender, annual income, height, weight, and BMI. These factors determine base coverage requirements.
Include marital status, family size, number of children, and dependents for accurate family coverage calculation.
Honestly disclose pre-existing conditions and family medical history for realistic premium estimates.
Choose coverage type, room category, add-on riders, and copayment percentage based on your needs.
Receive recommended coverage amount, premium estimates, adequacy score, and personalized recommendations.
Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune
Jaipur, Lucknow, Kochi, Indore, Nagpur
Smaller cities and towns
Premium increases with age. 60+ pay 3-4x more than 25-year-olds. Males typically pay 10-15% higher premiums than females.
Pre-existing conditions increase premium by 25-100%. Diabetes, hypertension, heart disease significantly impact costs. Family history adds 10-30% to premium.
Smokers pay 40-80% more. Regular alcohol consumption adds 20-40%. High BMI (>30) increases premium by 30-50%. Regular exercise can reduce premium by 10%.
Private room costs 30-60% more than general ward. Maternity adds ₹5,000-15,000 annually. Critical illness rider adds 15-25%. OPD coverage increases premium by 20-30%.
Covers delivery expenses, pre/post-natal care, newborn baby expenses. Waiting period: 2-4 years. Coverage: ₹50,000-2 lakhs. Premium increase: ₹5,000-15,000/year.
Lump sum payout on diagnosis of cancer, heart attack, stroke, kidney failure, etc. Coverage: ₹2-10 lakhs. Premium increase: 15-25%. No waiting for accidents.
Covers doctor consultations, diagnostic tests, medicines without hospitalization. Coverage: ₹10,000-50,000/year. Premium increase: 20-30%. Best for chronic conditions.
Emergency ambulance charges coverage. Usually included free or costs ₹500-2,000/year. Coverage: ₹1,000-5,000 per emergency. Essential for emergencies.
For Self, Spouse & Children:
For Parents:
Marriage
Add spouse to coverage or upgrade to family floater plan
Birth of Child
Increase coverage by ₹3-5 lakhs per child for adequate family protection
Income Increase
Upgrade coverage to 50-100% of annual income as salary grows
Medical Diagnosis
Increase coverage immediately after diagnosis of chronic condition
Aging Parents
Add parents or increase coverage as they age and need more medical care
Our calculator follows guidelines and regulations from these authoritative sources:
Official insurance regulator of India providing guidelines, regulations, and consumer protection standards for all insurance products.
Visit IRDAI →Implements Ayushman Bharat scheme and provides health insurance information and guidelines for Indian citizens.
Visit NHA →Official source for Section 80D tax deduction benefits on health insurance premiums as per Income Tax Act.
Visit Income Tax →Provides comprehensive data on insurance companies, policies, claim settlement ratios, and industry statistics.
Visit IIB →Disclaimer: This calculator provides estimates for educational and planning purposes. Actual premiums may vary based on insurer policies, underwriting decisions, and specific policy terms. Please consult with licensed insurance advisors and compare multiple insurers before purchasing health insurance.