Health Insurance Cover Calculator

Find out how much health insurance sum insured you should have, based on your age, city, family size, and existing conditions.

Your household

Your age: 45

City tier

Family members to cover: 4

Someone in the family has an existing medical condition

Current sum insured, if any: ₹0

Recommended cover

Recommended sum insured

₹27.5 Lakhs

₹27,50,000

Coverage gap

₹27.5 Lakhs

₹27,50,000

Age multiplier used

1.25x

A single family floater plan should work well for this household size and age.

Frequently asked questions

Hospital tariffs vary sharply across India. A procedure that costs a certain amount in a metro hospital can cost noticeably less in a tier-2 or tier-3 town, so this calculator starts from a different base amount for each city tier.

A family floater (one shared sum insured for the whole family) usually costs less than buying individual policies for everyone. But if you are adding parents in their 50s or 60s, their claims can quickly use up a shared pool, so a separate senior policy for them, alongside a floater for the younger members, is often the better structure. This calculator flags when that split is worth considering.

Medical costs and the likelihood of needing treatment both rise with age, so this calculator scales up the recommended sum insured once you cross 40, and again past 50.

Enter your current sum insured in the "Current sum insured" field to see the coverage gap. Employer-provided cover typically ends when you leave the job, so many people also carry a personal policy to avoid a coverage gap between jobs.

Yes, this calculator adds a buffer for households with an existing medical condition, since ongoing treatment and a higher chance of hospitalisation both increase the cover you are likely to need. Note that insurers may also apply a waiting period for pre-existing conditions, check policy terms carefully.

No. Health insurance covers hospitalisation and medical treatment costs while you are alive. Life insurance pays out to your family if you pass away. Check the Term Insurance Calculator or Life Insurance Calculator for that separate need.

Related calculators

This is a planning heuristic, not personalised advice. Actual premiums and eligibility depend on the insurer, your specific medical history, and current hospital tariffs in your city.

Health Insurance Cover Calculator

Find out how much health insurance sum insured you should have, based on your age, city, family size, and existing conditions.

Your household

Your age: 45

City tier

Family members to cover: 4

Someone in the family has an existing medical condition

Current sum insured, if any: ₹0

Recommended cover

Recommended sum insured

₹27.5 Lakhs

₹27,50,000

Coverage gap

₹27.5 Lakhs

₹27,50,000

Age multiplier used

1.25x

A single family floater plan should work well for this household size and age.

Frequently asked questions

Medical costs and the likelihood of needing treatment both rise with age, so this calculator scales up the recommended sum insured once you cross 40, and again past 50.

Related calculators

This is a planning heuristic, not personalised advice. Actual premiums and eligibility depend on the insurer, your specific medical history, and current hospital tariffs in your city.

Health Insurance Cover Calculator

Frequently asked questions

Why does city tier matter so much for sum insured?

Should I get a family floater or individual policies?

Why does my age change the recommendation?

What if I already have some cover through my employer?

Does having a pre-existing condition change the recommendation?

Is this the same as life insurance?

Health Insurance Cover Calculator

Frequently asked questions

Why does city tier matter so much for sum insured?

Should I get a family floater or individual policies?

Why does my age change the recommendation?

What if I already have some cover through my employer?

Does having a pre-existing condition change the recommendation?

Is this the same as life insurance?