Health Insurance Premium Estimator
Estimate an appropriate health insurance premium and cover based on your profile.
Estimated annual premium
₹8,050
GST
₹0
For a sum insured of ₹10 lakh covering 1 member, your estimated annual premium is ₹8,050 — individual health insurance premiums are GST-free since September 2025.
How this calculator works
Health insurance premiums depend primarily on your age, the sum insured you choose, your city (healthcare costs vary regionally), and how many family members are covered. This calculator gives an illustrative estimate using representative industry pricing patterns.
Worked example: a 32-year-old in a metro city choosing ₹10 lakh sum insured for an individual policy would pay an estimated ₹8,050 per year — with no GST applied, thanks to the September 2025 exemption for individual health insurance.