Health Insurance Adequacy Calculator
Whether your health cover matches city costs and family size.
Health Insurance Adequacy Calculator
Whether your health cover matches city costs and family size.
- Cover you should carry
- ₹13.13 lakh
- Gap in cover
- ₹8.13 lakh
- Cover needed in 10 years
- ₹34.04 lakh
- Suggested super top-up
- ₹21.25 lakh
How is this calculated?
Formula: A base hospitalisation cost is scaled for the age of the eldest member and the number of people covered, then projected at medical inflation.
- A guide only. Sum insured needs vary with city, hospital network and pre-existing conditions.
Your entries are user inputs; rates and returns you cannot control are assumptions. Results are illustrative, not a statutory computation.
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How this calculator works
A base hospitalisation cost is scaled for the age of the eldest member and the number of people covered, then projected at medical inflation.
Assumptions
- A guide only. Sum insured needs vary with city, hospital network and pre-existing conditions.
Statutory limits used here reflect FY 2025-26 (AY 2026-27). Results are illustrative and do not constitute tax, legal or investment advice. Speak to a Bluman Chartered Accountant before acting on them.
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