How it works
Hospital costs in Indian cities have risen sharply, and a single cardiac procedure, cancer treatment or ICU stay can run into several lakh rupees. A cover that looked generous five years ago may not be enough today.
This calculator applies a simple, transparent rule of thumb: a base amount by city type, scaled for the number of people covered, the age of the eldest member and any pre-existing conditions. It then suggests a super top-up, which adds a large layer of cover above a deductible for a fraction of the cost of a bigger base policy.
The number is a starting point. Policy features such as room-rent caps, co-payments, disease sub-limits and waiting periods often matter as much as the sum insured. Read our health insurance buying checklist, or request free, unbiased advice.
Frequently asked questions
Is ₹5 lakh health insurance enough?
For a single young person in a smaller city it can be a starting point, but for families in metros it is often too little. Many advisors suggest ₹10 lakh or more for metro families, plus a super top-up.
What is a super top-up?
A super top-up policy pays once your total medical bills in a policy year cross a set deductible, such as ₹5 lakh. It is an affordable way to add a large amount of extra cover.