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How much health cover does your family need?

Tell us who needs cover and where you live. You get a suggested floater, a top-up for large bills, and a separate plan for parents if needed.

Your family

The plan updates as you choose. Nothing is sent until you ask for a review.

Where you'll be treated
City type
Who needs cover
You or your spouse, whoever is older.
Spouse
Children
Parents to cover
Does anyone have an ongoing condition such as diabetes, BP or thyroid?
Cover you already have
Shown separately. It usually ends when you leave the job, so it isn't counted toward your own plan.
How this plan is worked out
  • Base cover starts from typical hospital costs in your city type: ₹10 lakh for a metro like Hyderabad, ₹7.5 lakh for other large cities, ₹5 lakh for smaller towns.
  • A family floater adds 50% for a second adult and 25% per child, then moves up one level if the eldest adult is 45 or older.
  • Parents aged around 60 and above are usually better covered by a separate senior citizen policy, so their claims do not use up the family floater.
  • A super top-up adds large cover at a lower premium. It pays after a claim crosses the deductible, which we set equal to your base cover.
  • Amounts are rounded to the cover levels insurers typically offer.

Health plans we can compare for you

We look at room rent limits, co-pay, waiting periods and hospital networks across our insurer tie-ups, not just the premium.

Care Health Insurance

Care and Care Supreme family floater plans, senior citizen cover, critical illness and diabetes-specific cover, and maternity cover.

TATA AIG Health Insurance

Health cover including the MediPrime range, from a general insurer promoted by the Tata Group and AIG.

Motilal Oswal insurance panel

Through Motilal Oswal Financial Services Ltd (IRDAI Composite Corporate Agent, Reg. No. CA0579), with tie-ups across a panel of health insurers.

Have your family plan reviewed, free

Mr. SRK Prasad will compare policies that fit your result, explain waiting periods and exclusions clearly, and help with the proposal form. No obligation.

Prefer to talk now? Call +91 92465 82445 or use the WhatsApp button.

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Disclosure: This calculator gives an indicative plan only. Sum insured, waiting periods and exclusions vary by plan; please review policy wordings before purchase. Insurance is the subject matter of solicitation. IRDAI Agent Code: 9355098.