Calculator
Health Insurance Cover Calculator
A needs-based estimate of how much family floater health cover you should have — not a premium quote.
Your household needs about ₹30,00,000 in cover — ₹30,00,000 more than you have.
City
Recommended Cover
₹30,00,000
Adults' Share
₹20,00,000
Children + Seniors' Share
₹10,00,000
Hospital and treatment costs in metro cities are typically 1.5-2x higher than in smaller towns for the same procedure, so a cover amount that's comfortable in a non-metro city can fall well short in a metro one.
Healthcare utilization and treatment costs rise significantly after 60 — more frequent hospitalizations, longer recovery, and higher-cost conditions. Many insurers also price senior-citizen cover separately for this reason.
A family floater is usually cheaper for a young, healthy family since the total cover is shared and rarely all claimed at once. Once a family includes a senior citizen or someone with a pre-existing condition, a separate individual policy for that member is often better priced.
Related tools
A flat ₹5L cover isn't enough for everyone
Many people buy a round-number health cover — often ₹5L — without checking whether it matches their actual family size, ages, and city. A family of four in a metro city with two children needs meaningfully more cover than a single adult in a smaller town, and a household with a senior citizen needs more still. This calculator scales the estimate to your actual household.
Compare plans once you know your number
Once you have a target cover amount, compare family floater and individual health plans on our insurance hub.
Disclaimer: This is a needs-based estimate using common per-member cost bands, not personalized medical or financial advice. Actual premium and eligible cover depend on age, medical history, and the insurer.
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