Health Insurance Sum Insured Calculator
How much health insurance cover may you need today — and how much could be required 30 years from now?
This adjusts the estimate for broad differences in treatment costs.
Enter your best estimate for a major hospitalization at a good private hospital. Example: ₹10,00,000
Enter the current base Sum Insured. Enter 0 if you have no policy.
Enter the additional cover you currently have.
This is an assumption for projection, not a prediction.

Estimated Sum Insured Requirement Today

₹0
This is an estimate based on the information you entered.

Estimated Requirement After 30 Years

₹0
If medical costs increase at your selected inflation rate.

Projected Medical Cost

After Estimated Cost
Important: This calculator provides an educational estimate and does not determine the exact Sum Insured you must purchase. Actual health insurance requirements depend on factors such as age, health status, family structure, treatment costs, policy conditions, room-rent limits, sub-limits, co-payment, waiting periods, exclusions, deductibles and the availability of suitable hospitals. A higher Sum Insured alone does not necessarily mean better protection.
Want to know whether your existing health insurance is actually adequate?
Get Your Health Insurance Reviewed