🎲 Fun & Lifestyle
Insurance Premium Calculator
Generic premium estimator — works for any insurance type.
Enter values to see your result
Frequently asked questions
What's a typical premium rate?
Term: 0.05–0.15% of SA. Health: 0.7–1.5% of SI. Car OD: 2–3% of IDV. Home: 0.05–0.1% of SI. Travel: based on day+destination.
What causes loading?
Age, smoker status, medical history, hazardous occupation (miner, pilot), lifestyle (extreme sports). Could add 20–200% over base.
Is GST refundable?
No for individual policies. Businesses can claim GST on certain insurances (fire on inventory, etc.) as input credit.
Single vs multi-year premium?
Multi-year (usually 3-year for car, 5-year for life) typically 5–10% discount. Locks in rate against inflation.