Individual, Family Floater & Senior Citizen Plans
✓ 3 Plan Types - Individual, Family, Senior
✓ Add-on Riders - Critical illness, Maternity, OPD
✓ Coverage Tips - Recommendations based on needs
Critical Illness
Coverage for 30+ critical diseases
Maternity Cover
Pregnancy & newborn expenses
OPD Cover
Doctor consultations & medicines
Personal Accident
Accidental death & disability
Annual Premium (Incl. Tax)
₹7,399
Monthly: ₹523
Sum Insured
₹10.00 L
Base Premium
₹6,270
Riders
₹0
GST (18%)
₹1,129
💰 Premium Breakdown
| Base Premium | ₹6,270 |
| Premium (Excl. Tax) | ₹6,270 |
| GST (18%) | +₹1,129 |
| Total Premium (Incl. Tax) | ₹7,399 |
✅ Your coverage is adequate for your needs
💡 Premium Factors:
A Health Insurance Premium Calculator helps you estimate the annual and monthly cost of health insurance (mediclaim) based on your age, family size, coverage amount, and add-ons. It calculates premiums for Individual, Family Floater, and Senior Citizen plans.
Our calculator includes advanced features: support for 3 plan types (Individual protection, Family Floater for shared coverage, Senior Citizen 60+ plans), 4 popular riders (Critical Illness for 30+ diseases, Maternity Cover, OPD expenses, Personal Accident), pre-existing conditions impact (25% premium increase), city-wise pricing (Metro, Tier-1, Tier-2), and automatic GST calculation (18% tax).
Coverage:
One person only
✓Full sum insured for you
✓Lower premium for young age
✓Customized to your needs
✗Family not covered
💰 ₹10L: ₹7,000-12,000/year (30-year-old)
Coverage:
2-6 family members (shared)
✓30% cheaper than individual
✓Covers entire family
✓Single premium payment
✗Shared sum across family
💰 ₹10L: ₹15,000-20,000/year (4 members)
Coverage:
Age 60+ years
✓Higher coverage limits
✓Pre-existing covered
✓No medical test initially
✗Much higher premium
💰 ₹5L: ₹18,000-25,000/year (65-year-old)
| Age Group | Individual | Family (4 members) | Senior (60+) | Best Choice |
|---|---|---|---|---|
| 25-30 years | ₹7,000 | ₹15,000 | N/A | Individual + Term |
| 31-35 years | ₹9,000 | ₹17,000 | N/A | Family Floater |
| 36-40 years | ₹11,000 | ₹20,000 | N/A | Family Floater |
| 41-50 years | ₹14,000 | ₹25,000 | N/A | Family + Parents |
| 60+ years | ₹22,000 | N/A | ₹18,000 | Senior Plan (₹5L) |
💡 Note: Premiums are approximate for Metro cities, non-smokers, no pre-existing conditions. Actual rates may vary by insurer.
Lump sum payout on diagnosis of 30+ critical diseases like cancer, heart attack, kidney failure, stroke, etc.
💡 Worth it? Yes - Medical costs are very high for critical illnesses
Normal & C-section delivery, pre/post natal expenses, newborn baby expenses for 90 days
💡 Worth it? Yes - If planning pregnancy within 2-3 years
Doctor consultations, medicines, diagnostic tests, dental, physiotherapy without hospitalization
💡 Worth it? Maybe - If frequent doctor visits or chronic conditions
Accidental death, permanent/temporary disability, medical expenses due to accidents
💡 Worth it? Yes - Affordable and provides extra protection
Health insurance premium depends on age, coverage, and plan type:
💡 Tip: Younger you buy, lower the premium for life! Buy in 20s-30s to save lakhs over lifetime.
Cost: ₹10L = ₹10K/year (30-year-old)
Cost: ₹10L = ₹17K/year (4 members)
💚 Best Strategy: Individual for self (₹20L) + Family Floater for spouse & kids (₹10L) = Comprehensive protection!
Recommended coverage based on city and age:
| Age/City | Metro Cities | Tier-1/2 Cities |
|---|---|---|
| 20-30 years | ₹5-10 Lakh | ₹3-5 Lakh |
| 31-40 years | ₹10-20 Lakh | ₹5-10 Lakh |
| 41-50 years | ₹20-50 Lakh | ₹10-20 Lakh |
| 60+ years | ₹5-10 Lakh | ₹3-5 Lakh |
💡 Rule of Thumb: Medical costs in Metro = 2-3 days ICU = ₹2-3L. Surgery = ₹5-10L. Always go for ₹10L minimum!
Rider-by-rider analysis:
✅ Critical Illness (+15%)
YES! Provides lump sum ₹5-25L on cancer, heart attack, etc. Medical costs for critical illness can exceed basic coverage. Highly recommended.
✅ Maternity (+20%)
YES if planning pregnancy. Covers delivery (₹50K-2L), pre/post natal. Pays for itself with one delivery. Skip if family complete.
⚠️ OPD Cover (+10%)
Maybe. Good if frequent doctor visits, chronic conditions. Not worth if only 1-2 visits/year. Do cost-benefit analysis.
✅ Personal Accident (+8%)
YES! Just 8% more for ₹10-50L accident cover. Covers death/disability. Very affordable protection.
Age (Biggest Factor)
25 years = Base | 35 years = +30% | 45 years = +80% | 60 years = +250%
Pre-existing Conditions (+25%)
Diabetes, hypertension, thyroid, asthma increase premium. Declare honestly to avoid claim rejection.
City Type
Metro cities = Base | Tier-1 = -10% | Tier-2/3 = -20% (lower medical costs)
Smoking/Tobacco (+15%)
Smokers pay 15% more. Quit smoking for 12+ months to get non-smoker rates.
Sum Insured
₹5L = Base | ₹10L = 2x | ₹20L = 3.5x | ₹50L = 7x (not linear, economies of scale)
💚 Pro Tip: Buy health insurance young (20s-30s), maintain healthy lifestyle, compare 3-4 insurers for best rates!
Our Health Insurance Premium Calculator is the most comprehensive mediclaim calculator in India that helps you estimate premiums for Individual plans, Family Floater plans, and Senior Citizen plans with complete customization options including riders, pre-existing conditions, city-wise pricing, and GST calculations.
The calculator features three plan types: Individual Health Insurance (single person coverage with full sum insured, customized benefits, lower premium for young age, ideal for unmarried or those wanting dedicated coverage), Family Floater Plan (2-6 family members sharing sum insured, 30% cheaper than individual policies for all members, single premium payment, option to include parents 60+ years, best for families wanting cost-effective coverage), and Senior Citizen Plan (specialized for 60+ years age group, higher coverage limits, pre-existing conditions covered after waiting period, no initial medical tests, tailored benefits for elderly medical needs).
Advanced features include 4 popular riders: Critical Illness Cover (lump sum payout for 30+ diseases including cancer, heart attack, kidney failure, stroke, +15% premium, coverage ₹5-25 lakh), Maternity Cover (normal & C-section delivery expenses, pre/post natal care, newborn baby coverage for 90 days, +20% premium, coverage ₹50K-3L), OPD Cover (doctor consultations, medicines, diagnostic tests, dental & physiotherapy without hospitalization, +10% premium, coverage ₹10-50K), and Personal Accident (accidental death, permanent/temporary disability, medical expenses from accidents, +8% premium, coverage ₹10-50L).
Perfect for all demographics whether you're young professionals in 20s-30s planning first health insurance, married couples with kids needing family floater, mid-career professionals upgrading coverage, parents buying for senior citizen parents, or anyone comparing individual vs family plans. The calculator includes premium estimation based on age (18-75 years with age-wise multipliers), gender differences, city type (Metro 20% higher, Tier-1 10% higher, Tier-2 base rate), smoking status (+15% for smokers), pre-existing conditions impact (+25% premium), sum insured options (₹3L to ₹1Cr), rider selection with cost breakdown, GST calculation (18% tax), monthly premium option, and coverage adequacy recommendations. Use this tool for getting accurate premium quotes, comparing individual vs family floater costs, understanding rider benefits and costs, evaluating impact of pre-existing conditions, planning family health insurance budget, or deciding optimal sum insured amount. 100% free, no registration, mobile-responsive, completely private calculations, updated for 2025 with latest rates and GST.