What is the Health Insurance Calculator?
Explore the difference between a medical-cost scenario and the usable health cover you enter. This tool does not recommend a sum insured, estimate premiums or assess whether a policy is suitable.
How does it work?
Medical-cost scenario = entered treatment cost multiplied by (1 + one-time buffer/100). Uncovered amount = max(0, scenario minus usable cover). The additional 0%, 25% and 50% buffer comparisons use the same entered treatment cost. These percentages are hypothetical, not medical inflation forecasts.
Worked example
An entered medical-cost scenario of Rs 5 lakh with a 20% buffer becomes Rs 6 lakh. If usable cover is Rs 4 lakh, the arithmetic gap is Rs 2 lakh. This is not a prediction of an insurer's claim payment.
When to use this calculator
- 1Compare different treatment-cost assumptions.
- 2Explore an arithmetic gap using cover you have independently checked.
Common mistakes to avoid
- ✕Adding overlapping employer and personal-policy limits without checking coordination.
- ✕Treating the sum insured as a guaranteed claim payment.
- ✕Assuming the tool models age, medical history, waiting periods, exclusions, deductibles, copay or room-rent limits.
Frequently asked questions
- Does this calculate my required health cover?
- No. It compares entered costs and usable cover only. It does not perform medical underwriting or recommend a policy.
- Are the cost buffers annual inflation rates?
- No. Each is a one-time increase applied to the entered cost.