Tools & Calculators

Medical Inflation Calculator

Medical inflation in India runs at 13% to 14% a year, on Milliman's figures. That ₹5 Lakh cover you have today will be worth less than you think in a decade. Find out how much.

Written by Kshitij JainReviewed by Harsh SoniUpdated nyvo insurance Services LLP, IRDAI Corporate Agent (Composite) CA1085Salaried advisors, no commission-based ranking

Your Inputs

₹5,00,000
₹1L₹50L
10 Years
1 Year30 Years
13% / year
Historical low (5%)20%

The default is 13%, the lower end of the 13% to 14% a year at which medical costs in India have been rising: Milliman puts the medical trend at 12% in 2024 and a projected 13% for 2025 (Measuring medical inflation in India, 8 April 2026). General inflation (CPI) is not healthcare inflation.

Projected Future Cost

₹16,97,284

+239% increase

In 10 years, the exact same medical procedure that costs ₹5,00,000 today will cost ₹16,97,284.

Is your policy future-proof?

Most families buy ₹5L or ₹10L covers that get wiped out in 5 years due to medical inflation. Don't risk bankruptcy. Talk to an expert to structure a super top-up perfectly.

Medical inflation questions, answered

The year-by-year figures and their sources are in our guide to medical inflation in India.

What is the medical inflation rate in India?
About 13% to 14% a year: Milliman puts India's medical trend at 12% in 2024 and a projected 13% for 2025 (Measuring medical inflation in India, 8 April 2026), after 14.3% in 2022 and 14.0% in 2023 (Milliman India Health Trends).
How does the medical inflation calculator work?
It compounds today's cost at the rate you choose, multiplying it by one plus the rate once for every year ahead. At 13% a year, the lower end of India's range, a ₹5 lakh treatment today would cost about ₹9.2 lakh in 5 years and ₹17 lakh in 10 years.
How much health cover do I need with medical inflation?
Enough for what treatment will cost when you claim, not what it costs today. At 13% to 14% a year, the range Milliman's figures give, costs double roughly every five to six years, so review your sum insured at every renewal; a super top-up is usually the cheapest way to add cover on top of a base policy.
What drives medical inflation in India?
Mostly the rising cost of care itself: new technology, equipment and patented drugs, hospital buildings and land in metros, specialist fees and staff salaries, more tests ordered to avoid liability, and more lifestyle disease such as diabetes and heart disease.

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