Calculate the right health cover for your family — family floater vs individual, Section 80D tax savings, and IRDAI-aligned sum insured recommendations. All figures in ₹.
50%+
Indians without health cover
14%
Medical inflation (annual)
55 Cr
PMJAY beneficiaries
₹15–25k/yr
Avg family floater premium
Select your health parameters and click calculate to see the optimal sum insured.
Important: Estimates are based on 2026 Indian healthcare inflation (approx 14%). Actual premiums are subject to medical underwriting. Consult a licensed health advisor in India.
India's family floater plans pool one sum insured across all members. Costs ₹15–25k/yr vs ₹30–50k+ for individual plans. Ideal when all members are under 55 and healthy — one big claim won't deplete the pool repeatedly.
Premiums qualify for deduction under old tax regime: ₹25k for self/family + ₹25k for parents (₹50k if parents are senior citizens). A ₹25k premium in the 30% bracket saves ₹7,800 in tax — effectively 31% cheaper.
India's medical costs rise ~14% annually — far faster than general inflation. A ₹5L sum insured today buys what ₹2.4L bought in 2016. Buy more cover than you think you need. Super top-up plans add ₹10–20L at ₹3–5k/yr.
Indicative premiums for 30-year-old, ₹10L sum insured, no pre-existing conditions.
| Insurer | Plan | Annual Premium | CSR (2024-25) | Network Hospitals |
|---|---|---|---|---|
| Niva Bupa | ReAssure 2.0 | ₹9,500–11,000 | 99.1% | 10,000+ |
| Star Health | Comprehensive | ₹10,200–12,500 | 98.8% | 14,000+ |
| Care Health | Care Supreme | ₹9,000–10,800 | 99.0% | 11,000+ |
| HDFC Ergo | Optima Secure | ₹10,500–13,000 | 98.5% | 13,000+ |
| ICICI Lombard | Complete Health | ₹11,000–14,000 | 98.3% | 6,500+ |
Premiums indicative. CSR from IRDAI Annual Report 2024-25. Always verify on insurer website before purchase.
Disclaimer
Calculator based on IRDAI 2024-25 guidelines. Premiums, CSR, and coverage details change annually. Consult a certified insurance advisor (PoSP/IRDAI licensed) before purchasing a policy.