Health insurance (mediclaim) calculator
Estimate the annual premium for individual or family-floater health cover in rupees, and see how sum insured, age, city tier, and pre-existing conditions move the number.
₹10,960 / year
Metro, individual baseline
₹10 L
32 years old
Metro
Individual cover
Non-smoker
No pre-existing conditions
Illustrative estimate only, based on generic industry rating factors — not a quote from any insurer. Read the full disclaimer.
Trust & methodology
Last reviewed: July 23, 2026
This tool provides an illustrative health / mediclaim premium estimate for India using generic rating factors — not a quote or a substitute for an IRDAI-registered advisor.
Frequently asked questions
The eldest member's age and the sum insured are the biggest levers, followed by whether it's an individual, couple, or family-floater plan, your city tier, tobacco use, and any pre-existing conditions. Premiums rise sharply after age 45.
A family floater shares one sum insured across members and is usually cheaper than separate individual policies for a young family — but the shared limit can be a drawback if the eldest member is much older. This tool estimates both.
Health premiums attract GST in India; the illustrative base rate here is representative of the all-in cost. It is not a quote — actual premiums depend on the insurer, room-rent limits, co-pay, and underwriting.