Under Development: DhanRadar is currently in pre-release. All content is for testing purposes only, may be inaccurate or incomplete, and should not be relied upon or used for any financial or investment decisions until the official launch.

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Health Cover Estimator
An indicative health sum-insured for your family and city.

Your Health Cover

An indicative cover sized for your city, family, and years ahead — using medical inflation as an assumption.

Family SizeHow many people the policy covers
1 person10 people
HorizonYears ahead to size the cover for
0 yrs30 yrs
Indicative Cover
₹57,06,233
For 4 in a tier-1 city, 10 yrs out
Suggested Band
₹45,64,987–₹68,47,480
A reasonable range
Base (today)
₹22,00,000
Before medical inflation
Medical Inflation
10%
Assumed yearly
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Breakdown

City tierTier 1
Family size4 people
Base cover today₹22,00,000
Horizon10 yrs
Indicative cover₹57,06,233
Suggested band₹45,64,987 – ₹68,47,480

Medical costs in India have been rising at roughly 10% a year— faster than general inflation. A cover that feels sufficient today may fall short in 10 years, especially for a family of 4. This indicative figure accounts for that growth; a licensed advisor can help you check whether your actual policy matches your need.

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AI Insights

DhanRadar AI

Medical inflation compounds fast. At 10% a year, costs roughly double every 7 years. Sizing cover for your horizon — not just today's rates — keeps you from being underinsured when you need it most.

Family floater plans share a single sum. For a family of 4, an individual policy per person or a floater with a large enough sum helps avoid one claim exhausting the cover for everyone. Discuss the right structure with a licensed advisor.

For education only — not insurance advice or a product recommendation. An indicative band on your own inputs; discuss your actual cover with a licensed insurance advisor.

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Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.