Health Insurance Calculator

Health insurance premium calculator is an online tool that helps a potential health insurance buyer to get an estimate of the premium amount that he/she will be required to pay for a particular health insurance plan.

It is a useful tool that anyone can use not only to calculate health insurance premium but also to compare and analyze different health insurance policies offered by popular insurers online.

One can compare health insurance policies on the basis of several factors that include age, gender, profession, number of members covered under a policy, etc. One can also customize their health insurance policies and notice a change in the health insurance premium. This way, using a health insurance premium calculator helps in making a better buying decision.

Calculate Health Insurance Premium

Using InsuranceDekho’s health insurance premium calculator is just a matter of a few minutes.

All you need to do is follow a few simple steps given below:

  1. To be able to use the premium calculator, all you need to do is visit the website of InsuranceDekho, which is insurancedekho.com and click on the Health option.
  2. Fill your personal details as asked in the form displayed. You will have to share your Gender, Age, Members to be insured, City, Name, Mobile Number, and E-mail ID. Click on the ‘View Instant Quote’ option.
  3. The best health insurance plans for you will get displayed on the website with an estimated premium amount.
  4. You can alter your choices of coverage features and see the change in premium amount.

Enjoy The Following Benefits By Using A Health Insurance Calculator Online:

  1. Health insurance premium calculator makes premium calculation quick and easy
  2. You can plan your finances easily as you get a fair idea of the premium amount in advance
  3. You can decide which plan to buy on your own without taking help from an agent
  4. The tool suggests several health insurance plans on the basis of the information you provide.
  5. You can compare the shortlisted policies in order to select the best.

Benefits of Health Insurance Premium Calculator

Health insurance premium calculator offers the following advantages to the users:

1. Makes Financial Planning Easy

The health insurance premium calculator gives you an accurate estimate of the health insurance premium of a health insurance policy you wish to buy. This helps you plan your finances effectively for the future.

2. Reduces Risk of Defaulting Health Insurance Premium

Keeping yourself informed beforehand about the health insurance premium eliminates the risk of defaulting health insurance premiums as you opt for a policy only that you can afford.

3. Buy Health Insurance Policy As Per Your Requirements

A health insurance premium calculator helps you choose a health insurance policy after customizing it as per your requirements in order to make it an affordable one, yet offering adequate coverage.

4. Helps You Choose Add-On Covers Easily

As you enter your personal details, the health insurance premium calculator displays the most suitable health insurance quotes. Along with quotes, it also tells you the premium for relevant add-on cover(s) that you can opt for along with your health insurance plan.

5. Helps You Make an Informed Decision

With a health insurance premium calculator, you can compare, analyze, choose, and be informed of the various benefits of several health insurance policies. This helps you make the best buying decision by keeping you informed about it all.

Factors Which Determine the Health Insurance Premium

Take a look at the factors that increase or decrease your health insurance premium:

1. Age

With growing age, your health insurance premium is bound to climb as old people more prone to illnesses and use more health care services than young ones. So, it is better to make the timely purchase of a health insurance plan to avoid higher premiums.

2. Gender

Health insurance premiums differ for men and women. This is because as per the expert, women are more likely to visit doctors, and are therefore demanded a higher premium.

4. Medical History

Typically, if you have a family history of some specific diseases like cancer, heart disease, or blood pressure, then you are more likely to require medical care for the same in the future. Which means a higher premium for you.

5. Body Mass Index (BMI)

People with higher BMI are more prone to heart, and joint-related diseases, and even diabetes. Which is why they are more likely to avail healthcare services in the future.

6. Smoker/Non-Smoker

Regular smokers are required to pay more health insurance premiums as smoking is significantly risky for health. Regular smokers are more vulnerable to issues like Stroke, Asthma, Cancer, Heart disease, hypertension etc.

7. Pre-existing Health Conditions

Individuals with pre-existing diseases are required to pay more health insurance premiums as they will need more coverage in comparison to others.

8. Geographical Location

Your residency may also affect the premium amount you will be required to pay. Some zip codes demand a higher premium than others.

9. Profession

If you work in a hazardous environment or have a stressful job, then you are more likely to suffer from medical issues. Which means you will have to pay a higher premium.

Health Insurance Premium Calculator

View All Up Arrow

Health Insurance Premium Calculator FAQs

  • Why should I calculate health insurance premium?

    Premium calculation is a must before buying a health insurance policy to make an ideal choice. Calculating premium helps not only in making the financial planning easier but also in understanding the ideal policy premium amount that you can afford. 

  • How is the premium for a health insurance policy calculated?

    Premium calculation for health insurance is done based on a couple of factors. The list of factors includes the number of people covered in the policy, age, policy tenure, family history, coverage type, the sum insured, pre-existing diseases, gender, marital status, profession, and location. 

  • What is the benefit of using an online premium calculator?

    The benefits of using an online premium calculator are many. The free premium calculation, simplification of complex calculations, time-saving solution, comparison of different quotes, customization of input, and premium calculation result without any mistake are a few benefits that make online premium calculation worthwhile.

    For further information about the premium calculator or any query related to health insurance, dial our toll-free number 755 1196 989.

  • Can I reduce my health insurance premium?

    Yes. You can reduce the health insurance premium of the selected health insurance policy in the following ways:

    • Purchasing the policy at a young age
    • Opting for deductibles or co-payment
    • Choosing top-up or super top-up health insurance plans
    • Choosing a health insurance policy as per your time zone
    • Checking for the No Claim Bonus (NCB) policy
    • Opting for family floater health insurance policies instead of individual health insurance policies.
  • Does the premium for health insurance policies vary with different health insurance companies?

    Yes. The premium for health insurance policies vary with different health insurance companies.

    For further information about the premium calculator or any query related to health insurance, dial our toll-free number 755 1196 989.

Insurance Dekho Contact Details

Reach us for help anytime

Health Companies User Reviews

What users are saying
  • Service part is best

    Best service and best plans with a reasonable premium. I liked it a lot. 

    Read More
    A
    Aditya Birla
    By Ankit
    On: September 12, 2020
  • Best health insurance

    Reliable & Trustworthy! Iffco Tokio is reliable and trustworthy. I have taken its Individual Health Protec...

    Read More
    K
    IFFCO Tokio
    By KIRIT NAKAR
    On: August 31, 2020
  • Good

    Very good policy.

    Read More
    A
    ICICI Lombard
    By Ashvajit Bhupal Patil
    On: August 26, 2020
  • Good

    Very good services. 

    Read More
    R
    ICICI Lombard
    By Ramya
    On: August 25, 2020
  • Great service

    Quick processing. Great response. Immediate disbursement of claim.

    Read More
    R
    Royal Sundaram
    By Ravindra
    On: August 15, 2020
  • Claim settlement

    Excellent service

    Read More
    G
    HDFC ERGO General
    By Girish Patel
    On: August 10, 2020
  • Suraksha

    Good health insurance policy.

    Read More
    U
    SBI
    By Umesh Mahale
    On: August 05, 2020
  • Prasad

    Excellent policy.

    Read More
    K
    HDFC ERGO
    By Konalaprasad
    On: August 02, 2020
  • Good Policy

    Bills all claimed properly from Manipal.

    Read More
    V
    ManipalCigna
    By Venkateswara Reddy
    On: July 30, 2020
  • happy to have this.

    Yes we can trust this policy. Because they trust us. Thanks a lot. Good job.

    Read More
    d
    HDFC ERGO General
    By devendra shah
    On: July 30, 2020

Latest Health Insurance Articles