Insurance
Health Cover Calculator — Estimate in Seconds
Sum insured your family needs, adjusted for medical inflation and your city.
1
4
10
1
45 years
90
₹5 L
₹0
₹5,00,000
₹5 Cr
Recommended sum insured
₹20,00,000
- Existing cover
- ₹5,00,000
- Gap to close
- ₹15,00,000
- Suggested structure
- ₹5–10 lakh base + ₹15 lakh super top-up
What this means.A super top-up is the cheap way to get here: a ₹5 lakh base plus a ₹20 lakh super top-up above a ₹5 lakh deductible costs far less than a ₹25 lakh base policy. Do not rely on employer cover alone — it ends the day you leave, exactly when you may be least insurable.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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