Health Insurance Premium Calculator
Get a realistic premium band before you talk to anyone — based on your family size, eldest member's age, cover amount, and city.
City
Estimated annual premium
₹20,197 – ₹27,325
- Roughly per month
- ₹1,980
- Cover
- ₹10 L
- Members
- 2 adults, 1 child
Indicative band based on market rates — actual quotes vary by insurer, medical history, and plan features. An advisor can pull exact quotes for you in minutes.
About this calculator
How it works
Premiums scale primarily with the eldest member's age, then family size, sum insured, and city tier. We apply market-typical rate bands and show a range rather than a false-precision number.
Why age matters most
Health premiums roughly double every 10–15 years of age. Buying at 30 instead of 45 doesn't just save money now — the lower base compounds across every renewal.
Picking a sum insured
For metro families, ₹10 lakh is today's sensible floor — a single cardiac procedure can cross ₹5 lakh. Super top-up plans add another ₹90 lakh of cover cheaply.
What changes the real quote
Pre-existing conditions, smoking, room-rent limits, and no-claim bonuses move real quotes around this band. An advisor compares those fine-print differences across insurers for free.