Health cover · free, no sign-up
Health insurance cover calculator for Indian families
Hospital bills in a metro, a bigger family and older parents all raise the size of a serious claim. See a planning benchmark for your family and the gap against the cover you hold.
Change the inputs
Health-cover gap
Adjusts a simple cover benchmark for city costs, family size and the eldest member’s age.
Transparent formulas. Estimates are education, not promises or insurance advice.
Your result
₹Metro hospital costs, a larger family and older members can raise the size of a serious claim. This is a planning benchmark, not an insurance quote.
Save it in RupaylogyHow this calculator works
- The benchmark starts at ₹10 lakh for a metro or tier-1 city, ₹7.5 lakh for tier 2 and ₹5 lakh for tier 3.
- Each family member beyond the first adds 18%. If the eldest member is 45 or older the figure rises by 25%, and by 50% at 60 or older.
- The result is rounded up to the next lakh and compared with your existing cover.
A worked example
A family of four in a metro, with the eldest member aged 42, gets a benchmark of about ₹16 lakh. With ₹5 lakh of cover today, the possible gap is ₹11 lakh.
Questions people ask
Is my employer's group health cover enough?
It helps, but it usually ends when you change or lose the job, and it may not cover parents well. Many families keep a personal policy as well.
What is a super top-up?
A super top-up pays after your total yearly claims cross a set amount. It can be a cheaper way to raise cover on top of a base policy. Read the waiting periods and exclusions before buying.
Is this an insurance quote?
No. It is a planning benchmark for education. Premiums and eligibility depend on age, health and the insurer.
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