Health Insurance Calculator

↻ Updated FY 2026-27

Get an indicative health insurance cover for your family — scaled by city tier, age and family size — plus a rough annual premium range. Always confirm with an actual quote.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Age (eldest member)

City tier

Family size (members covered)

Recommended cover

₹17,00,000

family floater, 4 members

Estimated annual premium

₹35,190–₹58,650

indicative range

City tier

Metro

higher costs

How the estimate is built

Base cover₹5,00,000

City tier factor× 1.5

Age-band factor× 1

Family-size loading× 2.2

Recommended cover₹17,00,000

Estimated annual premium₹35,190 – ₹58,650

ASSUMPTIONS — These figures are indicative only. Recommended cover scales a ₹5L base by city tier, age and family size; the premium band is a rough percentage of the sum insured. Actual premiums vary widely by insurer, plan, medical history and add-ons — always get a quote before buying.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.