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Health Insurance Premium Calculator

A Health Insurance­ Premium Calculator assists in determining the cost of your healthcare coverage. It simplifies comparing different policies by estimating premium rates based on factors like age and medical history. The calculator generates personalised plan recommendations tailored to your needs. This tool streamlines evaluating options to choose comprehensive coverage at an affordable price. Manually assessing premiums across plans can be tedious, but a calculator expedites this process. It enables informed decisions regarding healthcare expenses for yourself and your family members. Utilising a Health Insurance Premium Calculator makes comparing policies efficient and straightforward.

What Is Health Insurance Premium?

A premium serves as an initial payment to sustain health coverage for an individual or family. For those independently buying insurance, premiums often arrive monthly. But if insurance comes from an employer, premium shares get deducted from paychecks. Beyond premiums, out-of-pocket costs like deductibles, copays, and coinsurance may apply when getting medical care. These extra fees accompany the regular premium payments.

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5 Lac coverage starting from only ₹257/Month*
5 Lac coverage starting from only ₹257/Month*
  • Tax Benefit
    Tax Benefit
    Up to 75000**
  • Claim Support
    Claim Support
    Everyday 10AM-7PM
  • 45 Lacs+
    45 Lacs+
    Happy Customers

*Standard Terms and Conditions Apply.

**Tax benefits are subject to changes in Income Tax Act.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Benefits of Using a Health Insurance Calculator

It is no unknown fact that if you have an approximate idea of health insurance costs, you can get a plan suiting your needs. You can compare various plans and learn about potential tax savings. Using a calculator makes this process simple. Here are some vital advantages of using one:

  • Financial Planning Made Easy: Using a health insurance premium calculator helps people figure out how much money they'll need for their health plan. When you input the correct details, the tool shows an accurate estimate. This allows for smarter budgeting and financial planning ahead of time.

  • Access to the Best Health Insurance Plans: A premium calculator compares health insurance options. It aids in picking a policy that meets needs at a reasonable cost. This tool ensures you find proper coverage suited to your requirements without overpaying.

  • Timely Premium Payments: An insurance premium calculator proactively notifies policyholders about upcoming payment due dates, helping prevent missed payments. Choosing an affordable plan enables consistent on-time premium payments by individuals.

  • Tax Savings: The Income Tax Act's Section 80D allows individuals to avail of tax benefits by purchasing health insurance plans. Utilising an insurance premium calculator enables identifying policies that provide maximum tax exemptions, thereby enhancing one's overall savings potential. The process is straightforward: determine the optimal plan through the calculator, invest in it, and maximise tax deductions.

  • Convenient Access to Add-On Covers: Users can get customised insurance quotes and explore additional coverage through our calculator. This tool helps users find affordable plans and lets them add extra protection by choosing optional add-ons tailored to their needs.

Understanding Factors Affecting Health Insurance Premiums

Several elements shape the premiums you pay, differing for each person. Let's look closely at the various factors affecting health plan pricing.

  • Age and Gender: Age impacts everyone differently. As people age, they face increased health risks, leading to higher insurance costs for seniors. Interestingly, women often pay less due to their lower susceptibility to certain health issues compared to men.

  • Lifestyle Habits: People's way of living impacts insurance costs. Individuals who avoid tobacco and limit alcohol while staying active often pay reduced premiums. This is because they have a decreased likelihood of needing extensive medical care.

  • Pre-existing Health Conditions: People with ongoing health issues may need to visit doctors more often. Health Insurance companies view them as higher risks. That's why those individuals usually pay higher premiums.

  • Type of Policy: Health insurance policy choices heavily influence premium costs. Family plans covering multiple household members under one policy tend to provide more economical options compared to individual plans for each person.

  • Add-on Coverage: Basic insurance plans have limitations, so purchasing supplementary coverage through add-on options raises costs. Nevertheless, these extra safeguards can prove advantageous. Those seeking extensive protection may find value in the broader security offered by the add-on plans despite the higher premiums.

  • Policy Duration: Choosing the length of your policy can significantly raise your premiums. Insurance providers often offer discounts for longer commitments like multi-year plans, which might leave you with a lighter wallet when compared to opting for annual policies.

Details Required to Calculate Health Insurance Premium

To calculate the medical insurance premium, each health insurance provider requires certain crucial information, encompassing the following key factors:

  • Age and Location/PIN Code: Factors affecting health insurance premiums.

  • Number of Insured Individuals: Determines the scope and cost of coverage.

  • Policy Type and Duration: Impacts premium rates and coverage terms.

  • Sum Insured Amount: Defines the maximum coverage limit.

  • Medical History: Considered for pre-existing conditions and risk assessment.

  • Lifestyle Factors: Influence health risks and premium rates.

  • No Claim Bonus: Rewards policyholders for claim-free periods.

  • Add-On Covers: Additional features enhance coverage and affect premiums.

Tips to Reduce Health Insurance Premiums

Financial planning includes health coverage against unexpected medical costs. However, paying premiums can strain budgets. People can make health insurance affordable by reducing premiums while maintaining coverage. Here are tips to lower health insurance premiums:

  • Family Floater Plan: Family floater health insurance plans provide comprehensive coverage for multiple family members under one policy. These plans encompass spouses, children, and sometimes even parents. As the risk is distributed across various individuals, premiums are typically more affordable than individual policies. The consolidated coverage offers convenience and cost-effectiveness for families.

  • Copayment Options: Insurance has a concept called copayment. Under this, the­ insured pays a portion of the claim. The insurer covers the remaining amount. Choosing copayment options helps lower premiums. However, some coverage is still retained. The policy terms mention the copayment clause and percentage.

  • Early Enrollment: Health risks associated with aging often lead to escalating insurance premiums. Opting for an insurance plan at a younger age can reduce premiums. Enrolling early not only secures lower rates but also ensures continuous coverage as you grow older.

  • Top-Up Plans: People should not choose insurance plans that give full coverage in exchange for costly monthly fees. A better option is to add affordable top-up plans to basic policies. The extra plans kick in after the main one stops paying out. This approach allows expanded protection without excessive costs.

  • Multi-Year Plans: Choosing a multiyear insurance plan could be your best financial move. Imagine safeguarding your future finances with a plan that guarantees fixed premiums for years ahead. Embrace the stability and security that come with securing a long-term insurance commitment, ensuring peace of mind and significant cost savings over time.

Benefits Of Using InsuranceDekho's Health Insurance Premium Calculator

This user-friendly tool simplifies premium calculations for your convenience. Seamlessly estimate premiums with minimal required details.

  • Seamless Calculation: Determining insurance costs becomes a breeze with InsuranceDekho's handy premium calculator tool.

  • Only essential details are needed: InsuranceDekho's high-end calculator requires only a few crucial inputs to deliver precise premium estimates tailored just for you. This accountability ensures accurate financial planning.

  • User-friendly Interface: Calculating premiums becomes simple with InsuranceDekho's user-friendly platform. However, should you face any challenges, InsuranceDekho's knowledgeable support staff stands prepared to guide you through the process seamlessly.

Best Health Insurance Plans In India

  • Cover 5 L
    Starting at 832/month*
    No room rent limit 100% no claim bonusUnlimited restoration benefits3 years PED waiting period
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  • Cover 10 L
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    Starting at 447/month*
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  • Cover 5 L
    Starting at 675/month*
    No room rent limit 50% no claim bonusUnlimited restoration benefits3 years PED waiting period
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  • Cover 5 L
    Starting at 690/month*
    Single Private A/C Room 100% restoration benefits3 years PED waiting period
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  • Cover 5 L
    Starting at 546/month*
    Twin sharing room Zero no claim bonus100% restoration benefits2 years PED waiting period
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  • Cover 5 L
    Starting at 566/month*
    No room rent limit 20% no claim bonus100% restoration benefits3 years PED waiting period
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  • Cover 5 L
    Starting at 1,770/month*
    Zero no claim bonusNo restoration benefits1 year PED waiting period
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  • Cover 40 L
    Starting at 62/month*
  • Cover 2 L
    Starting at 146/month*
  • Cover 5 L
    Starting at 806/month*
    Single Private Room 10% no claim bonus100% restoration benefits2 years PED waiting period
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  • Cover 5 L
    Starting at 476/month*
    60% no claim bonus150% restoration benefits4 years PED waiting period
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  • Cover 5 L
    Starting at 526/month*
  • Cover 5 L
    Starting at 855/month*
    25% no claim bonus100% restoration benefits4 years PED waiting period
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  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
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  • Cover 5 L
    Starting at 396/month*
    Room rent upto 2% of SI Room rent upto 1% of SI No room rent limit Single Private Room
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  • Cover 5 L
    Starting at 738/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
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Note: Premium is shown for 18yr old individual of Delhi
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How to Use a Health Insurance Premium Calculator?

Calculating your health insurance premium need not be a daunting task. Our user-friendly calculator streamlines the process, allowing you to estimate your premium effortlessly, regardless of whether you're seeking coverage of Rs. 5 lakhs, Rs. 10 lakhs, or even Rs. One crore. Here are some simple steps to help you navigate this tool effectively and efficiently.

  • Accessing the InsuranceDekho website is simple. Open our health insurance page and scroll to the health insurance calculator section.
  • Provide your personal information like, age, number of people requiring coverage, and area pin code, choose the coverage amount, and click Calculate premium
  • The website will display a pop-up where you have to input your gender, name, and mobile number.
  • You will receive an OTP to verify your authenticity and be redirected to the quote page where you can find multiple types of health insurance as per your need.
  • You can now compare and choose the policy that best fits your requirements and budget.

The health insurance premium calculator from InsuranceDekho offers a detailed overview of various plans' coverage options and advantages. It simplifies comparing policies to find the right fit. For further guidance or questions, our committed relationship experts are available. Don't hesitate to reach out via e­mail at


Health Insurance Premium Calculators have always been quite helpful for people in finding the right insurance plan. They give cost estimates and compare options so individuals understand what they're paying for. Now that you know about these calculators, make sure you are seeking their assistance during your search for the right insurance plan.

FAQs About Health Insurance Calculator

Q.1 Are health insurance premiums calculable online?
A. You are empowered to effortlessly calculate your health insurance premium online using the advanced health insurance premium calculator.

Q. 2 Is it possible to contrast various policies through the premium calculator?
A. Undoubtedly, one can compare different policies by leveraging the premium calculator to identify the optimal policy customised to individual requirements.

Q.3 Can I rectify erroneous data entered into the calculator?
A. Yes, you can fix any mistakes and receive accurate figures by entering the correct information into the calculator's interface.

Q.4 How much time is required to utilise the health insurance premium calculator?
A few minutes suffice to input the details and procure quotes using the premium calculator.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members
Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Learn more about premium calculator Health Insurance

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FAQ About Health Insurance Calculator

  • Are the premiums paid towards health insurance tax deductible?

    Yes, according to the section 80D of the Income Tax Act, you are eligible to claim for tax deductions on premium amount payable towards a health insurance plan of up to Rs 25,000 for self, spouse and children covered under the plan. An added tax deduction of Rs. 25,000 is provided for dependent parents, who are less than 60 years in age and if parents are more than 60 years in age, then a tax deduction of Rs. 50,000 is provided.

  • How much time do I require to spend online for calculation of insurance premium?

    The best attribute of a health insurance premium calculator is that it is pretty fast and simple. If you use InsuranceDekho’s premium calculator, then you can calculate premium quotes of different health insurance plans based upon your requirement and budget within just a few minutes.

  • What is the benefit of using an online medical insuance 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.

  • What is a health insurance premium calculator?

    Health insurance premium calculator is an online tool that gives you an estimate of the health insurance premium that you are required to pay for a particular health insurance policy. The tool is useful when buying a new health insurance policy or when renewing the existing one.

  • How to use a health insurance premium calculator?

    To use health insurance premium calculator online at InsuranceDekho, you are required to follow the simple steps given below:

    • Visit and click on the Health tab.  
    • Enter your personal details as asked. You will be required to enter your age, gender, members to be insured, name, city, mobile number, and email ID. Click on ‘View Instant Quote’. 
    • You will see the most suitable health insurance plans on your screen with the estimated premium amount.   
    • You can alter the coverage features and see the change in the health insurance premium.
  • What is the advantage of using an online health insurance premium calculator?

    The advantage of using a health insurance premium calculator online is that it not just helps you in saving time but it is also a very cost effective method of premium calculation. It also lets you compare different plans at a single platform and makes it much easier for you to make an informed decision.

  • What are the tips to reduce health insurance premiums?

    You can use InsuranceDekho’s health insurance premium calculator not only to get an estimate for health insurance premiums, but also to compare health insurance plans on the basis of features, cost, add-ons, benefits, etc. To reduce your health insurance premium, you can exclude coverage features that you do not require under your health insurance policy.

  • What all details do I need to provide while using the health insurance premium calculator?

    You are required to provide information such as your gender, marital status, date of birth, annual income, etc, while using the health insurance premium calculator.

  • Do I have to pay GST on health insurance premiums?

    Yes, when it comes to health insurance premiums, GST is applicable. As a result, keep the GST charges in mind while comparing plans or planning your health insurance portfolio.

  • Why should I use a health insurance premium calculator?

    A health insurance premium calculator is an online application that allows you to calculate health insurance premiums. When comparing various health insurance plans, this helps you in selecting the best decision for your needs. When calculating the health insurance premium, several factors such as your age, policy tenure, insured members, and so on are considered.

  • How to calculate medical insurance premium for parents?

    You can figure out how much your parents' medical insurance will cost. If you enter the names, ages of your parents, and health conditions into the calculator, you will be able to calculate the approximate premium required to purchase insurance for them.

  • How to use a calculator for family health insurance premium calculation?

    By using following steps you can calculate health insurance premium-

    1. Click 'search for insurance' under the health insurance tab.
    2. Select the city where you live.
    3. Enter the total number of adults and children you want to cover.
    4. Enter the age of the oldest family member you want to insure.
    5. Fill in your name, phone number, and email address, then click the 'show me now' button.
    6. Based on your input, a number of health insurance plans are provided, from which you can select the one that best suits your needs.


  • Does the calculator ask for health related habits?

    Yes, once you enter your information into the premium calculator, it will ask about your smoking habits, if any, your qualifications, your annual salary, and whether you are salaried or self-employed.

  • How much time do I have to invest online in order to calculate insurance premium?

    The best feature of the premium calculator is that the entire procedure takes no more than 5 minutes to complete. It is one of the most simple methods for calculating insurance premiums.

  • Is health insurance premium refundable?

    Yes, you can usually terminate your health insurance without suffering any penalties. If you live in a state with its own coverage mandate, you may be subject to a tax penalty. Your cancellation may take effect immediately, or you may select a future date, such as when your new coverage will begin.

  • Does health insurance premium increase with age?

    Health insurance premiums rise in accordance with the age of the policyholder. The premium of the applicant will be lower the younger he or she is. Similarly, the higher your age, the higher your health insurance premium would be.

  • Does medical insurance premium increase every year?

    The premium amount typically increases by roughly 8% to 10% annually; it might be as low as 5% per year if you are in your 40s, and as high as 12 % per year if you are over 50. When you get term life insurance, your premium is fixed when you buy the policy and stays the same every year.

  • Why is my monthly health insurance premium so high?

    Financial analysts forecast the cost and probability of an event using mathematics, financial theory, and statistics. Financial analysts in the insurance sector spend a lot of time trying to predict the probability of clients making a claim. They can justify charging you higher insurance premiums if the probability is higher. It is one of the reasons why your insurance premiums may have increased.

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