Health Insurance Calculator Premium & Coverage India 2025
Calculate health insurance premium and coverage needs based on your age, family size, city, and health conditions. Compare family floater vs individual plans for optimal protection.
Recommended Coverage
₹18.00 L
Premium Comparison
Estimated Annual Premium
₹13.00 K
For ₹5.00 L coverage (family-floater)
Coverage Benefits
Metro cities have higher medical costs. Consider 50% higher coverage than tier-2 cities.
Start early for lower premiums and no waiting periods for pre-existing conditions.
Types of Health Insurance Plans
Choose the right health insurance plan for your family's needs
Individual Plans
Separate coverage
- • Dedicated sum insured per person
- • Higher premium but guaranteed coverage
- • No sharing of sum insured
- • Best for senior citizens
Family Floater
Shared coverage
- • Shared sum insured among family
- • Cost-effective for families
- • One premium for entire family
- • Suitable for young families
Critical Illness
Specific diseases
- • Covers specific critical illnesses
- • Lump sum payout on diagnosis
- • Covers cancer, heart attack, stroke
- • Additional to regular health plan
What's Covered vs What's Not
Understanding your health insurance coverage and exclusions
What's Typically Covered
Hospitalization Expenses
Room rent, doctor fees, medicines
Day Care Procedures
Surgeries not requiring 24-hour stay
Pre & Post Hospitalization
30-60 days before and after
Ambulance Charges
Emergency transportation costs
What's Usually Excluded
Pre-existing Diseases
2-4 year waiting period applies
Cosmetic Treatments
Plastic surgery, dental cosmetics
Alternative Treatments
Ayurveda, homeopathy (unless covered)
Self-Inflicted Injuries
Substance abuse, suicide attempts
Hidden Charges to Watch Out For
Be aware of these additional costs beyond your premium
Co-payment Clause
Room Rent Limits
Waiting Periods
⚠️ Important Note
Always read the policy document carefully. Look for sub-limits, waiting periods, and exclusions. Choose a policy with minimal restrictions and maximum coverage for your needs.
Health Insurance FAQs
Everything you need to know about health insurance and premium calculation
Health insurance protects you from high medical costs and ensures quality healthcare access. Medical expenses have inflated dramatically, making insurance essential for financial security.
Reality Check: A single hospitalization can cost ₹2-5 lakhs, and critical illness treatments can exceed ₹15-20 lakhs. Health insurance prevents these costs from destroying your savings.
Need More Help?
Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.
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