Health Insurance Cover Calculator
Project a major hospitalisation cost with medical inflation and estimate the gap above existing health cover.
How this estimate works
A cover amount alone does not describe policy quality. Compare waiting periods, room-rent restrictions, exclusions, co-payment, sub-limits, restoration and the cashless hospital network.
Check your inputs & compare scenarios
Replace the examples with your current figures. Keep the currency and time period consistent with each field. Save one scenario, then change an amount or rate to compare the effect. Reopened scenarios calculate with current rules; your original result stays in history.
Report a calculation issue with this page URL and non-sensitive example inputs.
Questions & answers
Frequently asked questions
Does a higher sum insured guarantee every hospital bill is paid? +
No. The admissible claim can still be affected by exclusions, waiting periods, room-rent limits, co-payment, deductibles and treatment-specific sub-limits.
Which policy documents should I check? +
Use the policy schedule, Customer Information Sheet, benefit illustration and insurer quotation. Enter the exact cover, premium, factor, sub-limit or charge shown for your policy.
Does this replace an insurer quotation or professional advice? +
No. It is a planning estimate. Underwriting, medical history, exclusions, waiting periods, tax treatment and product-specific terms can change the final premium, benefit or claim.