Health insurance cover calculator: is your family covered enough?
One serious illness can cost a family more than years of savings. This calculator checks the health cover you hold against two levels: a base family floater of ₹10 lakh, and a total of ₹1 crore reached with a super top-up. It tells you which step comes next.
Your figures stay in your browser. Nothing is sent anywhere until you choose to start the full assessment.
Open the calculator to work out your own figure.
How the number is worked out
- Add up the health cover your family holds today: personal and family floater policies, top-ups and super top-ups, and any group cover from an employer. Use the sum insured, not the premium.
- The first level is a base family floater of ₹10 lakh. Below it, the next step is to raise your base cover to ₹10 lakh. A super top-up cannot stand in for it, because it only pays once your claims cross its threshold.
- With the base in place, the suggestion is a super top-up that brings your total cover to ₹1 crore.
- At ₹1 crore or more, your cover meets this benchmark. Review it each year, because medical costs rise faster than most prices.
A worked example
The Sharmas have a ₹5 lakh family floater of their own and ₹5 lakh of group cover through work: ₹10 lakh in all. Their base is in place, so the next step is a super top-up of ₹90 lakh to bring their total to ₹1 crore.
The Kumars rely on ₹3 lakh of employer cover alone. They are ₹7 lakh short of the ₹10 lakh base, so their first step is a family floater of their own. A super top-up would come after it.
| Sharmas: cover held | ₹10 lakh |
| Sharmas: base floater | In place |
| Sharmas: super top-up to add | ₹90 lakh |
| Kumars: cover held | ₹3 lakh |
| Kumars: base cover still to add | ₹7 lakh |
Assumptions
- This is the same rule the full assessment uses, and it gives every family the same two levels.
- It does not change with family size, ages, city or health conditions. A larger family, older parents on the policy or treatment in a large city can all justify more.
- Employer group cover is counted, as it is in the full assessment, but it usually ends when you leave the job.
- The calculator works with cover amounts, not premiums. Premiums depend on age, city, health and the insurer.
Frequently asked questions
How much health insurance does my family need?
As a benchmark, at least a ₹10 lakh family floater as your base, and a total of ₹1 crore once a super top-up is added. A major illness treated in a private hospital can cost many lakhs, and a family can have more than one claim in a year. Larger families, older parents and big-city hospital costs are all reasons to go higher.
What is a super top-up?
A policy that pays once your total medical bills in a policy year cross a threshold, called the deductible, which is usually set at the size of your base policy. Because it only pays above that threshold, it costs much less than a base policy of the same size. A plain top-up applies the threshold to each claim separately rather than to the year’s total.
Should I count my employer’s group health cover?
This calculator counts it, as the full assessment does, but do not rely on it alone. It usually ends when you leave or change jobs, and the employer can change it at renewal. A policy of your own stays with you, and new policies usually have a waiting period for existing illnesses, which is easier to get through while you are healthy.
Does the recommended cover change with my age or city?
Not in this calculator: the ₹10 lakh and ₹1 crore levels are the same for every family. For a cover sized to your family’s ages, health and city, speak to an IRDAI-licensed adviser.
Is this financial advice?
No. It is an educational check against a fixed benchmark. Before buying a policy, speak to an IRDAI-licensed adviser who can look at your whole situation.