🏥 Health Insurance Calculator
Work out the right health cover for your family based on your city tier, family size and age, with a base floater plus super top-up strategy and a separate plan for senior-citizen parents. Switch to Advanced for premium bands, affordability and claim-reality analysis.
Insurance Calculator
Quick 3-step estimate
Your Details
City Tier
Higher tier = higher medical costs
Family Members
Self + spouse + children
Age of Eldest Member
Determines premium and cover need
Pre-existing Conditions
Diabetes, BP, thyroid etc.
Cover Parents Separately
Existing Health Cover
Coverage Recommendation
Family Floater Cover
Super Top-Up Recommended
Kicks in after base cover exhausted
Existing Cover
Additional Cover Needed
Est. Family Premium/yr
Family floater plan
Total Annual Premium
Family Floater vs Individual
A family floater pools the sum insured for all members. Good when members are young and healthy. For parents 60+, always buy a separate senior citizen plan — adding them to your floater raises premiums significantly.
Super Top-Up Strategy
Base floater of ₹14L + Super Top-Up of ₹21L (deductible = base cover). This gives ₹35L total cover at a much lower combined premium than a standalone plan.
80D Tax Benefit
Health insurance premiums are deductible under Section 80D: ₹25,000 for self/family + ₹25,000 for parents (₹50,000 if senior citizens). Total max deduction: ₹75,000/year.
Index
Insurance Questions — Answered Directly
25 questions on term life, health, and car insurance. India-specific, no sales angle.
Term Life Insurance
Health Insurance
Car Insurance
Using the Calculator
What This Health Insurance Calculator Does
- City-tier based recommendation (Metro / Tier 1 / Tier 2 / Tier 3)
- Family floater sizing plus a cost-efficient super top-up layer
- Separate senior-citizen plan recommendation for parents
- Pre-existing condition and waiting-period awareness
- Section 80D tax benefit on premiums (self, family and parents)
Health Insurance — Frequently Asked Questions
How much health insurance cover do I need in India?
It depends on city and family size. In metros, ₹10–25L for a family is a reasonable base given hospitalisation costs; Tier 2/3 cities can start lower. The cost-efficient approach is a ₹5–10L base floater topped with a ₹40–90L super top-up, which adds high cover cheaply above a deductible.
What is a super top-up and how does it differ from a top-up?
Both add cover above a deductible. A regular top-up applies the deductible per claim; a super top-up applies it once per year across all claims — so multiple hospitalisations in a year are covered far better. Super top-ups are the more practical choice for most families.
Do health insurance premiums qualify for tax deduction?
Yes — under Section 80D (Old Tax Regime): up to ₹25,000/year for self and family, plus an additional ₹25,000 (₹50,000 if senior citizens) for parents' premiums. A preventive health check-up of up to ₹5,000 is included within these limits.
Other Insurance Types
Each insurance type has its own calculator. The all-in-one Insurance Calculator hub lets you pick any type and switch freely, plus the full 9-module advanced analysis.