Health insurance calculatorExact coverage.
Zero sales.
How much health cover your family actually needs, worked out from hospital costs in your city, your ages and your obligations. No policy upload, and nothing to buy at the end of it.
Three answers you cannot get from a brochure
Every one of them is arithmetic. None of them depends on which policy you eventually buy, because we do not earn on that.
A number, not a range
What your family actually needs, anchored to private hospital costs in your own city rather than a national average.
Which riders earn their keep
Room Rent Waiver changes whether a claim pays in full. Most of the others do not. We say which is which.
How to buy it for less
The cheapest way to hold a given amount of cover is usually not one large base policy. We show you the structure.
How the number is calculated
Four steps, all of them arithmetic you could check yourself.
Three things almost everybody gets wrong
“₹5 L is enough, my office covers me.”
Employer cover ends the day the job does, and it ends at exactly the age when buying your own becomes expensive or impossible.
“I'll just buy a higher base cover.”
A base plus a super top-up usually holds the same total cover for substantially less premium. Most people are never shown the structure.
“Riders are just marketing.”
Some are. A Room Rent Waiver is not: it decides whether your claim pays in full or gets cut proportionately across the entire bill.
Common questions
How does the health insurance calculator work?
It starts from private hospital costs in your city, plans for medical inflation, and accounts for your family's ages and obligations. Every step is arithmetic you can see and check.
Do I need to upload my policy or share my medical history?
No. The calculator needs no policy upload and no medical history.
How long does it take?
Two to three minutes.
Does the calculator recommend a policy?
No. It gives you a cover amount and shows a cheaper way to hold it, such as a smaller base policy with a super top-up. IndSure sells no insurance and earns no commission.