Health Insurance Calculator
Get a suggested health insurance coverage range for your family, city and age band.
Inputs
yrs
Use the oldest age in your family for a conservative estimate
people
INR
Result
Suggested Coverage
₹2,500,000.00
Metro city · 4 member(s) · age band Up to 35
Coverage Range₹1,875,000.00 – ₹3,750,000.00
Base for City₹1,000,000.00
Family Loading2.50×
Age Loading1.00×
Risk SummaryStandard — review at age milestones
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Formula
Suggested = base[city] × (1 + extraMemberFactor × (members − 1)) × ageLoading − existing cover. Range = [suggested × 0.75, suggested × 1.5].
How it works
Health insurance covers hospitalisation and pre/post-hospitalisation costs. A floater plan shares a sum insured across the entire family.
Example
Example: Family of 4 in a metro city, oldest age 35 → suggested ₹25L floater, comfort range ₹7.5–15 L on either side.
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Frequently Asked Questions
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Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.