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Finance Calculators

Health Cover Adequacy Calculator

See how much a static health insurance cover is worth against a major medical event, 10, 20, and 30 years from now.

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The sum insured on your policy today, e.g. 10 L or 1000000.

Your own honest estimate — a major hospitalization or procedure, at today's prices.

Private healthcare inflation in India has historically run 12-14% a year, well above general inflation.

Your next decision

Will my retirement savings last?Model a major medical cost directly inside your retirement simulation

Frequently Asked Questions

Why doesn't this calculate a specific hospital or procedure cost for me?
Real medical costs vary enormously by city, hospital, and procedure, and this tool has no way to know those accurately for you. Enter your own honest estimate of what a serious medical event would cost today — a hospital's package pricing or a recent quote is a reasonable starting point.
Why does a fixed sum insured lose value over time?
Your policy's sum insured is a fixed rupee number that (in most policies) doesn't grow on its own. Meanwhile actual healthcare costs keep rising with medical inflation — historically faster than general inflation in India. The same cover buys proportionally less coverage every year it stays unchanged.
This is not insurance advice
This tool only illustrates how inflation affects a fixed cover amount over time. It doesn't recommend any policy, insurer, or cover amount, and doesn't account for co-pays, sub-limits, room-rent caps, restoration benefits, or other real policy terms. Speak to a licensed insurance advisor for a recommendation suited to you.