India health insurance estimator
Free India health insurance (mediclaim) calculator. Estimate your annual premium from age, sum insured, city tier and family cover — instant, private, no sign-up.
How to use
- Enter your age. Add your age. Mediclaim premiums rise steeply with age, so this is the biggest single factor.
- Choose sum insured. Pick how much cover you want per year. A higher sum insured raises the premium but protects you against bigger bills.
- Set family and city. Choose individual or family-floater cover, your city tier and plan level. Metros and higher plans cost more.
- Review your estimate. See your estimated annual premium, the typical range, and a plan-level comparison.
Features
- Mediclaim rating factors. Uses age, sum insured, family cover, city tier and plan level — the levers Indian health insurers price on.
- Individual and floater. Handles both individual policies and family-floater cover so you can compare in rupees.
- Plan-level comparison. Compares basic, standard and premium plans, which differ mainly on room-rent limits and benefits.
- Annual estimate with a range. Shows a point estimate plus a low–high band for the spread between insurers.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Estimating a family-floater premium before buying
- Seeing how sum insured changes the cost
- Comparing individual vs floater cover
- Understanding how age drives the premium
- Budgeting health cover alongside other expenses
Is it private?
Every calculation runs in your browser. Your age, family and cover details are never uploaded, stored or shared.
Frequently asked questions
Is this a real health insurance quote?
No. It is an educational estimate based on published Indian averages. Real prices depend on the insurer, your medical history, waiting periods and add-ons, so get quotes for exact figures.
Is health insurance mandatory in India?
Not for individuals. Government schemes such as Ayushman Bharat (PM-JAY) cover eligible low-income families, while most people buy private mediclaim for wider hospital cover.
What is a family floater?
A single policy with one shared sum insured that covers your whole family. It is usually cheaper than separate individual policies for the same cover.
What changes with the plan level?
Higher plans lift room-rent limits and add benefits like restoration and wider hospital networks, which raises the premium. Basic plans cap room rent to keep costs down.
Do the rates stay accurate?
Premiums rise over time with medical inflation, so each estimate shows its data vintage. The rating factors are more stable.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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