How much health cover does your family need?
Tell us about your family
Who needs to be covered?
Loading factor scales with family size. Senior parents (60+) are the highest-cost cohort.
Which city do you live in?
Hospital costs vary 30–60% between metro and tier-2. We adjust your base cover accordingly.
Pre-existing conditions in family
PEDs raise hospitalisation likelihood and claim severity. We bump cover by 20–50%.
If your employer covers you, we subtract that from your required personal cover. Most GMCs are ₹3–5L.
Used to validate affordability of recommended cover. Doesn't affect the cover number itself.
You need
in personal health cover, on top of your ₹5 L GMC
Why one number doesn't fit every family
"₹10L is enough" is a tagline, not advice. Hospital costs vary by city. Family composition changes claim probability. Pre-existing conditions multiply both. Our calculator builds the cover number from the bottom up, using these three real variables.
City base (₹10L–₹15L)
Metro hospitals charge 30–60% more than tier-2 cities for the same procedure. A bypass surgery in Mumbai: ₹4–5L. In Indore: ₹2–3L. We adjust the base cover for where you live.
Family Size (1.0×–2.5×)
More members = higher claim probability per year. Senior parents (60+) hit the highest loading because the 60–75 cohort accounts for ~60% of all retail health claims.
Pre-existing multiplier (1.0×–1.5×)
Pre-existing conditions raise both the frequency and severity of claims. A diabetic patient costs 2.4× more in lifetime claims than a non-diabetic. We bump cover to absorb that.