Health Insurance
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Family Details
Find right cover for your family
Eldest member of family
City Type
Healthcare costs are higher in metros
Recommended Health Cover
₹20,00,000
Family floater plan
Annual Premium
₹52,800
Per Month
₹4,400
Per Day
₹145
Why Health Insurance is Essential
One hospital stay can wipe out years of savings
Hospital costs (avg in metros)
- • Heart bypass surgery: ₹3-5 lakhs
- • Cancer treatment: ₹10-25 lakhs
- • ICU per day: ₹20K-50K
- • Joint replacement: ₹3-7 lakhs
Insight
Just ₹145/day protects your entire family with ₹20,00,000 cover. Plus, you save ~₹7,500/year in taxes via Section 80D.
Pro Tip
- •Buy health insurance when you're young & healthy - lower premiums, no waiting period.
- •Family floater is cheaper than individual policies for most families.
- •Look for: cashless network hospitals, no room rent capping, restoration benefit.
- •Premium qualifies for Section 80D deduction (₹25K-₹50K).
What is Health Insurance?
Health Insurance covers medical expenses for hospitalization, surgeries, and treatments. With healthcare costs rising 10-12% annually in India, even one hospital stay can wipe out years of savings. Family floater plans cover the entire family under one policy, making them cheaper than individual policies. Premium qualifies for Section 80D tax deduction (₹25K-50K).
How to Use
- 1Enter your age (eldest member)
- 2Enter family size
- 3Select your city tier
- 4See recommended cover and estimated premium
Formula
Recommended Cover varies by city: Metro ₹10L base, Tier 2 ₹7L, Tier 3 ₹5L
Multiplied by family size factorFrequently Asked Questions
Minimum ₹5L for individuals, ₹10L for families in metros. Healthcare costs are rising fast - what's adequate today won't be in 10 years. Get higher cover than you think you need.