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Health Insurance Calculator
Suggested family-floater sum insured and approximate premium.
Enter values to see your result
Frequently asked questions
Family floater vs individual?
Floater = shared sum insured across family. Cheaper + simpler. Individual = separate SI per member. Use floater for core family; add top-up/super top-up for catastrophic cover.
Should parents be on same policy?
No — separate policy for senior parents. Their claims would otherwise exhaust family floater. Also separate 80D limit (₹50K for seniors).
Super top-up plan?
Kicks in after a base deductible (e.g. ₹5L). A ₹5L base + ₹20L super top-up = ₹25L effective cover at ~50% premium of ₹25L base policy. Great value.
Waiting periods?
Pre-existing conditions: 2-4 years. Specific diseases: 1-2 years. Initial waiting: 30 days. Buy early to complete waiting periods before issues arise.