RapidCheck

Health Insurance Cover Calculator

Estimate the health cover your family should have.

Last updated: 13 Aug 2026

Quick answer

A common guideline is health cover of about 50%–100% of your annual income: cover = annual income × factor. For example, 100% of ₹10,00,000 income suggests a ₹10 lakh cover. Enter your income and factor above.

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Estimate a sensible health insurance cover. A common guideline is 50%–100% of annual income, adjusted upward for family size and metro medical costs.

How to decide health insurance cover

  1. 1 Enter your annual income.
  2. 2 Choose a cover factor (0.5×–1×).
  3. 3 We suggest a health cover amount.

Frequently asked questions

How much health cover do I need?
A common guideline is 50%–100% of annual income; families in metros with higher medical costs should lean higher.
Individual or family floater?
A family floater is cost-effective for young families; older members may need separate or higher cover.
Should I add a top-up?
Yes — a super top-up is an affordable way to raise total cover for large claims.

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