Health Insurance Coverage Calculator
Estimate your family's optimal Sum Insured using real-world tertiary hospital costs, medical inflation, room rent limits, pre-existing conditions, and cost-effective Super Top-Up layering.
Configure Family & Medical Factors
Adjust all 6 parameters below to calculate your tailored health insurance coverage requirement in real time.
Recommended Total Health Cover
Calculated to protect against high-cost tertiary hospitalizations & medical inflation.
Cost-Effective Policy Structure
Smart 2-Layer ComboProtection Architecture & Deductible Coverage Analysis Optimal Architecture
Key Underwriting & Clause Checklist for Your Selection:
- Room Rent Sub-Limit: Ensure your base policy has 'No Room Rent Cap' or 'Single Private Room Eligibility' to avoid proportionate deduction penalties.
- Pre-Existing Disease (PED): Check for policies offering waiting period reduction riders (1-2 years instead of standard 36-48 months).
- No Co-Payment: Select policies with 0% mandatory co-payment for all age groups and network hospitals.
Request Objective Health Plan Comparison
Speak with an authorized Insurance Sales Person (ISP) to compare waiting periods, room-rent sub-limits, and network hospitals objectively.
Beating Medical Inflation: The Base + Super Top-Up Method
Indian corporate private hospital costs double every 5 to 6 years due to ~14% healthcare inflation. A ₹5 Lakh policy that felt sufficient in 2018 is inadequate for modern tertiary care like oncology, cardiology, or multi-organ ICU admissions.
Why City Tier Matters for Health Sum Insured
Major corporate hospitals in Tier 1 metros charge ₹15,000 to ₹25,000 per day for ICU beds. In contrast, Tier 2 cities charge approximately ₹8,000 to ₹15,000 per day. Choosing your policy sum insured must correspond to the medical inflation in the city where you are most likely to receive treatment.