Health Insurance Cover Calculator
Calculate the right health-insurance sum-assured for you and your family based on age, city, family size, and existing conditions.
How to Size Your Health-Insurance Cover
Healthcare inflation runs at roughly 8-12% per year globally — faster than wage or general inflation. A hospital bill that looks survivable today can wipe out years of savings five years from now. Your cover needs to be sized for tomorrow's prices, not today's.
The four drivers of recommended cover
- Age — Lifetime healthcare spend rises sharply after 45. Heart, joint, and cancer treatments concentrate in this window.
- City tier — Metro / Tier-1 hospitals charge 1.5-3x what Tier-3 hospitals do for the same procedure. Pick the tier you would actually be treated in.
- Family size — Family floaters share one sum-assured, so the recommended floor scales with members but not linearly.
- Pre-existing conditions — Diabetes, hypertension, and cardiac history all push lifetime claims higher and warrant a 20-100% larger sum-assured.
Why a base + super top-up is usually optimal
Once your base policy meets the recommended cover, adding a super top-up with a deductible equal to your base sum-assured is one of the cheapest ways to push total cover to 2-3x. The deductible is automatically met by the base policy, so you almost never see it.
Frequently Asked Questions
A common rule of thumb is at least 50% of your annual income, with a minimum of 500,000 for a single person in a metro city and 1,000,000 for a family of four. This calculator refines that for age, city tier, and pre-existing conditions.
A family-floater shares one sum-assured across every covered member. It is cheaper than individual policies and works well when no single member is likely to consume the whole limit in a year.
Pre-existing conditions raise both the recommended cover and the premium (often by 30-100%). Most insurers also impose a 2-4 year waiting period before those conditions are paid out.
Yes — once your base cover is sized correctly, a super top-up with a high deductible is a very cheap way to add another 1-2 million of cover.
Hospital room rents, surgeon fees, and diagnostics in metros can be 2-3x higher than in Tier-3 cities. If you live in or seek treatment in a metro, you need a noticeably higher sum-assured.