Health Insurance Need
Right cover · right price
₹
₹
Recommended cover
₹15 L
₹10 L
Base Need
₹5 L
Top-up Suggested
₹18,000
Est. Annual Premium
10%
Cover vs Income
ADEQUATE
Your plan
Related calculators
How we size your health cover
Indian medical inflation runs 12-15% a year — double general inflation. A single serious hospitalization can cost ₹5-15 lakh in a metro today, and double that in 5 years. Our model factors:
- City tier — metro hospital costs are 2-3× tier-3.
- Family size & oldest member — older members cost more.
- Pre-existing conditions — add buffer for known risks.
- 5-year inflation projection — cover that's enough today won't be in 2028.
- Existing employer cover — useful but disappears if you switch jobs.
Pro tip: a base policy of ₹10-15L plus a ₹50-100L super top-up (deductible = base) gives massive cover at a fraction of the cost. This is the smartest structure.