Health Insurance Coverage Calculator India — Right Sum Insured 2026
Real-World Examples — 2026
Family of 3 in Bangalore — coverage needed
Parents (35, 32) with 1 child in Bangalore: recommended ₹20 lakh family floater. Private hospital room in Bangalore: ₹8,000–₹25,000/day. A 7-day cardiac care hospitalisation can cost ₹10–15 lakh at Apollo/Fortis.
Senior citizen health insurance
Health insurance for parents aged 60–65: individual policies of ₹10 lakh each (floater risky given age). Premium for 65-year-old: ₹50,000–₹80,000/year. Consider Star Senior Citizen or Niva Bupa Senior First. Always buy before they exceed the maximum entry age (usually 65–70).
Frequently Asked Questions
What is the minimum health insurance cover needed in India?
For a family of 4 in a metro city: minimum ₹10 lakh family floater, ideally ₹15–25 lakh. Individual cover for age 30–35: ₹10 lakh. Hospitalisation costs in Mumbai private hospitals can reach ₹8–15 lakh for serious conditions like cancer, cardiac surgery, or ICU stays. Inadequate cover can wipe out savings.
Family floater vs individual health insurance — which is better?
Family floater: one policy covers all family members, any member can use the full sum insured. Cheaper premium than individual policies. Risk: if two members are hospitalised simultaneously, coverage may be insufficient. Individual policies are better if any member has pre-existing conditions.
What is not covered in standard health insurance?
Common exclusions: pre-existing diseases (waiting period 2–4 years), maternity (waiting period 9 months–4 years), dental treatment (unless accident), congenital diseases, cosmetic procedures, experimental treatments, suicide/self-injury. Always read the policy document carefully.
Is this calculator free?
Yes, completely free on CalcPhi.
Are my inputs stored?
No. All calculations run in your browser.
Is it mobile-friendly?
Yes. Works on all modern smartphones.