Health insurance

Health insurance cover calculator

Use this health cover calculator to find a starting point for your family’s cover, then see how your existing insurance fits. It is a health insurance calculator for how much cover to buy, not a premium quote.

Read the guide

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Who are we covering?

Start with yourself. Add anyone else you want to include.

How should the cover be shared?
You · Member 1

You

Tick if the person already has a diagnosed medical condition.

Employer or personal cover available to this group. Leave blank if there is none.

Your health cover estimate

A starting point for your cover

Recommended shared cover

₹25 lakh

Additional cover needed: ₹25 lakh.

Based on the oldest member’s age (30), with one amount shared by you.

The working

Recommended cover
₹25 lakh
Less existing cover
₹0 lakh
Additional cover needed
₹25 lakh
Age tiers and assumptions

The fixed table uses these amounts before the 30% addition for a pre-existing condition:

  • Up to 34 · ₹20 lakh individual or ₹25 lakh shared.
  • 35–44 · ₹30 lakh for either type.
  • 45 and above · ₹50 lakh for either type.

Shared cover uses the oldest member’s tier. Existing cover is subtracted from the recommendation, with the gap never below zero. This does not check whether each person can access the existing cover.

This is a fixed age-table estimate, not a medical assessment or a policy quote. It does not model medical inflation, local hospital costs, specific conditions, waiting periods or policy exclusions. Actual needs and eligibility may differ.

Make sense of your next step

Review this estimate and your existing policy with a salaried nyvo advisor. The 30-minute call is free.

nyvo insurance · IRDAI-registered corporate agent · CA1085

How does the health cover calculator work?

The nyvo health cover calculator reads each person's age against a fixed table: ₹20 lakh of individual cover or ₹25 lakh of shared cover up to age 34, ₹30 lakh from 35 to 44, and ₹50 lakh from 45. A family floater uses the oldest member's age, a pre-existing condition adds 30%, and any cover you already hold is subtracted to show the gap.

AgeIndividual cover, per personFamily floater, shared
Up to 34₹20 lakh₹25 lakh
35 to 44₹30 lakh₹30 lakh
45 and above₹50 lakh₹50 lakh

Amounts before the 30% addition for a pre-existing condition. A floater is sized on the oldest member's age.

  1. Individual cover. Each person gets the amount for their age, plus 30% if they have a pre-existing condition, and the amounts are added together.
  2. Family floater. One shared amount from the oldest member's age, plus 30% if anyone covered has a pre-existing condition. Our guide to family floater vs individual cover explains when sharing one amount stops making sense.
  3. Existing cover. Employer or personal cover is subtracted, and the gap never goes below zero. If you hold some cover but less than the recommendation, the calculator suggests a super top-up for the gap, with a deductible equal to the cover you hold.

Worked example. A family floater for a 38-year-old, a 35-year-old spouse and a 6-year-old child, none with a pre-existing condition, with ₹5 lakh of employer cover. The oldest member is 38, so the table gives ₹30 lakh; less the ₹5 lakh already held, the gap is ₹25 lakh, which the calculator suggests as a super top-up with a ₹5 lakh deductible. Had the 38-year-old a pre-existing condition, the shared amount would be ₹39 lakh.

The table does not model your city's hospital costs, medical inflation, waiting periods or policy exclusions, and it is not a premium quote. Our guide to how much health insurance cover you need sizes cover by city instead, and base policy vs super top-up explains the cheaper way to reach a higher total.

Health insurance calculator questions, answered

How much health insurance cover do I need?
For a family with children, usually ₹25 lakh to ₹1 crore of total cover. This calculator's age table gives ₹25 lakh of shared cover when the oldest member is under 35, ₹30 lakh from 35 to 44 and ₹50 lakh from 45. nyvo's cover guide sizes by city instead: ₹25–50 lakh for a Tier-2 family with children and ₹50 lakh to ₹1 crore in a metro.
Is this a health insurance premium calculator?
No. It works out how much cover to buy, not what that cover costs. Premiums depend on the insurer and plan, each member's age and health, and the city zone you live in, so a real price needs a quote on your own details, which a salaried nyvo advisor can go through with you on a free 30-minute call.
Should I choose a family floater or individual cover?
A family floater usually suits you, a spouse and young children: one shared sum insured, priced on the oldest member's age, and usually cheaper for a young, healthy household. Parents are usually better on their own policy, because their age drives the premium for the whole floater and one large claim can use up the shared cover for everyone that year.
Does the calculator count my employer's health cover?
Yes. Enter it as existing cover and the calculator subtracts it from the recommendation, never showing a gap below zero. If you hold some cover but less than the recommendation, it suggests a super top-up for the gap, with a deductible equal to the cover you already hold. It cannot check whether everyone can use that cover, and employer cover can change when you switch jobs.
Why does a pre-existing condition raise the recommendation?
Because the model assumes a diagnosed condition means more frequent and longer hospital stays, it adds 30% for that person, and on a family floater the 30% applies to the whole shared amount. The condition itself is covered only after a waiting period, which the IRDAI (Insurance Products) Regulations, 2024 cap at 36 months.

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