Cover calculators: ranges, not false precision
Everything runs on your device. Outputs are starting ranges for discussion — not personalized advice.
Health sum-insured range
General guideline, not personalized advice.
Suggested personal top-up range
₹8.1 L – ₹11.3 L
Term cover range (10–15x rule)
General guideline, not personalized advice.
Suggested cover range
₹1.10 Cr – ₹1.50 Cr
Recheck at marriage, first child, home loan, or big salary jump.
Co-pay + room-limit impact
See how a headline sum insured shrinks. Illustrative math.
You pay
₹2,01,600
Insurer pays
₹1,98,400
Room breach applies proportionate deduction on the whole bill here — that is exactly the trap Section 3 warns about.