Health Insurance Premium Estimator
Get an instant estimation of how much a comprehensive health insurance policy (mediclaim) will cost for you and your family.
Primary Members
Dependent Parents
Zone selection affects room rate caps and premiums.
Estimated Annual Premium
₹8,885
For a ₹10,00,000 family floater (1 members).
Base Premium
₹7,530
GST (18%)
₹1,355
Important Disclaimer
This is an estimated base premium for a standard comprehensive policy without custom riders. Actual quotes from insurers like HDFC Ergo, Niva Bupa, or Care Health will vary based on exact age, BMI, pre-existing conditions (diabetes, BP), and chosen add-ons (consumables cover, room rent waivers).
Tips to reduce your premium proactively:
- Buy early: Buying at age 28 is significantly cheaper than buying at age 40, and waiting periods wrap up while you are healthy.
- Super Top-Up: Instead of buying a 25 Lakh base policy, buy a 5 Lakh base policy + 20 Lakh Super Top-Up. This drastically reduces your total premium.
- Multi-year payment: Paying upfront for 2 or 3 years usually provides a 7% to 12% discount from the insurer.