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Health insurance premium calculator
For a 30-year-old man in Mumbai, ₹10 lakh of health insurance costs ₹7,529 to ₹12,900 a year on four leading plans, as the insurers quoted it on 24 October 2026. Pick who you are covering, the eldest age and the cover to see what it costs. This medical insurance premium calculator shows real insurer quotes, not a formula, and asks for no phone number.
Written by Kshitij JainReviewed by Harsh SoniUpdated nyvo insurance Services LLP, IRDAI Corporate Agent (Composite) CA1085Salaried advisors, no commission-based ranking
₹10 lakh · Just me · age 30
₹7,529 to ₹12,900
a year, on the four leading plans we quoted in Mumbai on 24 October 2026.
- Niva Bupa ReAssure 3.0 Black₹7,529
- Care Supreme₹9,126
- Aditya Birla Activ One MAX₹10,152
- HDFC ERGO Optima Secure₹12,900
Each figure is the insurer's own quote for one adult (a man) with no illness declared: base plan, no add-ons, one-year policy. Where the insurer gives an online discount, it is included, and you get it through nyvo too. No GST applies.
Other cities differ. Prices by city are below the calculator.
A salaried nyvo advisor prices your own age, city and health on a free 30-minute call.
nyvo insurance · IRDAI-registered corporate agent · CA1085
Health insurance premium by age
₹10 lakh of cover for one adult man in Mumbai, a year, on Niva Bupa ReAssure 3.0 Black, Care Supreme, Aditya Birla Activ One MAX and HDFC ERGO Optima Secure. Between 30 and 60 the cheapest quote rises from ₹7,529 to ₹25,881, about 3.4 times.
| Age | ReAssure 3.0 | Care Supreme | Activ One MAX | Optima Secure |
|---|---|---|---|---|
| 25 | ₹7,392 | ₹9,126 | ₹9,159 | ₹12,006 |
| 30 | ₹7,529 | ₹9,126 | ₹10,152 | ₹12,900 |
| 35 | ₹7,664 | ₹9,126 | ₹10,152 | ₹13,759 |
| 40 | ₹8,510 | ₹11,018 | ₹12,977 | ₹15,430 |
| 45 | ₹9,322 | ₹12,544 | ₹15,265 | ₹16,756 |
| 50 | ₹13,413 | ₹15,639 | ₹19,170 | ₹24,544 |
| 55 | ₹17,680 | ₹19,812 | ₹26,027 | ₹31,930 |
| 60 | ₹25,881 | ₹26,338 | ₹30,817 | ₹43,162 |
Premiums quoted on 24 October 2026 for the profile above; your quote depends on your age, health, city and the options you choose.
What were nyvo customers quoted for ₹10 lakh?
From June to September 2026, nyvo advisors built 647 ₹10 lakh quotes for 202 customers across several plans and cities. The middle half of a band's quotes, with its median, is the fairest guide to what a family like yours is asked to pay. For two adults with children and the eldest aged 36 to 40, it was ₹19,800 to ₹25,300 a year.
| Eldest age | One adult | Two adults | Two adults with children |
|---|---|---|---|
| 18 to 30 | ₹9,200 to ₹12,100 (median ₹10,200) | ₹11,300 to ₹16,200 (median ₹14,800) | Too few quotes |
| 31 to 35 | ₹8,500 to ₹11,000 (median ₹9,700) | ₹12,300 to ₹17,200 (median ₹15,400) | ₹17,200 to ₹23,200 (median ₹20,300) |
| 36 to 40 | ₹10,000 to ₹12,900 (median ₹10,900) | ₹14,300 to ₹18,700 (median ₹16,400) | ₹19,800 to ₹25,300 (median ₹22,100) |
| 41 to 45 | ₹12,000 to ₹15,700 (median ₹12,600) | Too few quotes | ₹21,500 to ₹31,300 (median ₹27,600) |
| 46 to 50 | ₹16,400 to ₹20,900 (median ₹19,200) | ₹24,700 to ₹29,600 (median ₹26,700) | ₹27,700 to ₹35,200 (median ₹29,900) |
| 51 to 55 | ₹12,800 to ₹31,700 (median ₹22,500) | ₹24,000 to ₹40,700 (median ₹32,600) | Too few quotes |
| 56 to 60 | ₹25,000 to ₹37,100 (median ₹32,300) | ₹40,800 to ₹52,700 (median ₹46,200) | Too few quotes |
| 61 to 65 | ₹25,200 to ₹49,200 (median ₹42,700) | ₹39,800 to ₹66,200 (median ₹57,200) | Too few quotes |
| 66 to 70 | ₹34,500 to ₹67,500 (median ₹59,300) | ₹75,900 to ₹91,200 (median ₹88,100) | Too few quotes |
| 71 or over | ₹66,900 to ₹90,100 (median ₹72,000) | Too few quotes | Too few quotes |
Yearly premium as quoted to the customer, any add-ons they chose included, to the nearest ₹100; children are under 18. A band needs 8 quotes from 4 or more customers to be shown. Source: nyvo advisors' comparer quotes, June to September 2026. No GST applies.
Premiums in Mumbai, Delhi and Bengaluru
The same plan costs a different amount by city, because insurers price by zone. Bengaluru was the cheapest of the three on all four plans. We quoted the three cities for a 30-year-old with ₹10 lakh, so the calculator shows Mumbai prices and an advisor quotes your own pincode.
| Plan | Mumbai | Delhi | Bengaluru |
|---|---|---|---|
| Niva Bupa ReAssure 3.0 Black | ₹7,529 | ₹8,213 | ₹6,844 |
| Care Supreme | ₹9,126 | ₹10,802 | ₹6,280 |
| Aditya Birla Activ One MAX | ₹10,152 | ₹10,152 | ₹7,963 |
| HDFC ERGO Optima Secure | ₹12,900 | ₹13,980 | ₹9,946 |
One adult man, age 30, ₹10 lakh, pincodes 400001, 110001 and 560001. Premiums quoted on 24 October 2026 for the profile above; your quote depends on your age, health, city and the options you choose.
How the premium calculator works
- One adult. Four plans quoted on 24 October 2026 for one adult man in Mumbai with no illness declared: base plan, no add-ons, a one-year policy, at ages 25 to 60 in steps of five. Each figure is the plan's own quote.
- Ages in between. We show the next age we quoted, so 33 shows the price at 35, and at 33 you may pay a little less. Under 25 shows the price at 25.
- Cover. ₹10 lakh shows all four plans. ₹5 lakh shows the plans quoted at ₹5 lakh (HDFC ERGO Optima Secure and Niva Bupa ReAssure 3.0 Black), and ₹25 lakh the ones quoted at ₹25 lakh (HDFC ERGO Optima Secure, Care Supreme and Aditya Birla Activ One MAX).
- Couples, families, both parents, and one person past 60, at ₹10 lakh. The middle half of the real quotes nyvo advisors built for customers from June to September 2026, by the eldest person's age, with the median. A band is shown only with at least 8 quotes from 4 or more customers.
- Other covers, and ages the real quotes do not reach. A typical range from 720 quotes we collected in April 2026 across 10 cities and four plans. It is not one plan's price: some plans and cities cost more or less.
- No number. Where neither set holds a figure, an advisor prices it on a call.
What changes your premium
- Age. The cheapest ₹10 lakh quote was ₹7,529 at 30 and ₹25,881 at 60. Our guide on why premiums rise at renewal explains the steps.
- Your health. These quotes declare no illness. If you have one, the insurer can add a premium loading, apply a waiting period or decline after its review.
- Who shares the policy. A floater is priced on the eldest member, so adding parents to a young family's floater raises the price for everyone on it. See family floater vs individual cover.
- Cover and add-ons. More cover costs more, but less than in proportion, and each add-on is priced on top. Our guide to how much health cover you need helps you pick the amount.
Each plan's full premium chart
Every age and cover we quoted, with what is in the price: