Health Insurance Cover Adequacy Calculator
Is your health cover actually enough, or just a round number?
Health Insurance Cover Adequacy Calculator
yrs
members
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Recommended cover
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based on age, city tier and family size
Gap vs your existing cover
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Why a flat Rs 5L cover usually isn’t enough
A single serious hospitalization in a metro (major surgery, ICU stay, cancer treatment) routinely crosses Rs 10-20 lakh — a cover sized for a decade-old average bill leaves a dangerous gap against today’s costs.
Family floater vs individual covers
A floater splits one sum insured across the whole family — if one member has a major claim, less remains for everyone else that year. Larger families or anyone with a family history of serious illness should weight this when sizing cover.
Consider a super top-up
Rather than one large base policy, a smaller base plus an affordable super top-up (kicking in above a deductible) often reaches the same total cover at a lower combined premium.
Recommended cover is a rule-of-thumb benchmark: a base amount scaled up for metro-city treatment costs, age (older age bands assume higher likely claims), and family size (each additional member adds to a shared floater need) — not a substitute for actual quotes against real hospital tariffs in your city. Individual health conditions, family medical history, and existing employer cover (which often ends at job change) should factor into your real decision. Not insurance advice.