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How much health cover does your family actually need?
Start with the decision that matters: what personal cover should you arrange today? We use your city, household and existing personal policies to show what to keep or buy now. Future medical inflation is shown separately for context, never mixed into today's recommendation.
- Who this cover is for
- Where you live
- A future cost illustration
- What you already have
Step 1 of 4
Who this cover is for
One report covers one household, seen from your side of it. Add everyone whose hospital bill you would end up paying.
- You
Only these relations can share one report. A sibling, an uncle or anyone outside this list needs a separate run, with them entered as the household's own starting point.
The method
Today's cost, carried forward
The main result is a present-day decision. Five transparent steps show how we reach it and why the distant inflation illustration stays outside the amount you are asked to arrange now.
- 01
Set today’s treatment cost
A serious private-hospital treatment in a metro and in a district town can produce different bills. Your city sets the starting point for today—not a future retirement-age number.
- 02
Allow for a shared family pool
A family floater can face more than one claim in a year. We add a disclosed household buffer instead of pretending a six-person family needs exactly the same pool as one person.
- 03
Subtract permanent personal cover
The policy you own and renew reduces what you need to arrange. Employer cover is shown in full as a temporary extra layer, but it does not replace personal cover.
- 04
Keep parents in a separate pool
Parents receive their own recommendation, so their claims cannot exhaust the younger family’s cover and their existing policy is applied only to them.
- 05
Show inflation only as context
We illustrate what today’s treatment might cost in the future, but never present that future value as cover you must buy now. Review the amount every two or three years instead.
Read this before you act on it
The right number can still sit inside the wrong policy
Your sum insured sets the ceiling. Room-rent limits, co-pays, waiting periods, disease-wise sub-limits and hospital networks decide how useful that cover is when a real bill arrives. A cheaper plan with the same headline number can leave you paying far more from your own pocket.
- Buy young and never let the policy lapse - waiting periods and no-claim bonuses only accrue while it is continuously in force.
- Declare every condition in writing. Almost every refused health claim traces back to something left off the proposal form.
- Check the room-rent and ICU caps before the premium. A small daily limit can proportionally shrink an otherwise valid claim.
- Revisit this figure every two or three years, and immediately when the household changes.
Before you buy or increase cover, review the decision with a MITRA. We'll help structure this number around your family, compare the clauses behind the premium, and shortlist plans built to hold up at claim time.
Want the detail? Read about family floater cover, how a super top-up works, what happens at claim time, or our note on room rent limits. Sizing life cover instead? Use the term cover calculator.
Questions
Straight answers about the number
Including the ones a sales page would rather skip.
Is the future inflation number what I should buy today?
No. The main recommendation is the personal cover to arrange today. The future number is only an illustration of how one treatment cost could rise, and it is clearly kept outside the purchase calculation. Review your cover every two or three years rather than buying a distant projected value now.
Should my parents be on our family floater?
Usually not. A floater is priced off the eldest member's age, so adding a 65-year-old raises the premium for everyone in the pool. It also means a single senior claim can exhaust the cover the rest of the family is relying on that year. Separate cover for parents is normally both cheaper and safer, which is what this calculator will tell you when it sees a wide age gap.
Does my employer's health cover mean I can skip a personal policy?
No. The calculator shows all of your employer cover as useful temporary protection, but does not subtract it from the personal-cover target. Group cover can change or end with employment, while a personal policy builds continuity that stays with you.
When will the calculator suggest a super top-up?
Only when you already have enough dependable personal base cover to meet the suggested annual aggregate deductible. Otherwise it recommends establishing or increasing the base policy first. Employer cover alone is not treated as a permanent base.
Does a pre-existing condition change the sum insured I need?
Not the amount, no. It changes which insurers will accept you, the waiting period before that condition is covered, and what you are obliged to declare. Declare everything, in writing, on the proposal form - an undeclared condition is the most common reason a health claim is refused outright.
Is the sum insured the most important thing to compare?
It matters, but on a mid-sized claim the room-rent and ICU limits, the co-pay, disease-wise sub-limits and the pre-existing waiting period decide more of your final settlement than the headline number does. Get the sum insured roughly right, then compare those four clauses properly.
What happens to the details I enter?
Nothing is stored. The figures are sent to our server, the calculation runs there, and the result comes back to your screen. Nothing is written to a database or attached to your identity unless you separately ask us to call you.
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Now put real plans against your number
Share the figure with a Mitra and we will shortlist plans that fit it - with the room-rent caps, co-pays and waiting periods explained before the premium.
