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🛡️ Health Insurance Adequacy Calculator
Recommended cover = 5× your annual income — see how your current cover scores
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Your profile
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Health details
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Full analysis
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Step 1 — Basic profile
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How your score is calculated
Income × 5 formula
Core formula
Recommended cover = Income × 5
e.g. ₹10L income → ₹50L cover needed
Score scale — 1 to 10
1–4 — Critical — health insurance very low
5–7 — Low — needs improvement
8–10 — Best — well protected
✦ Metro cities add 20% more
✦ Pre-existing conditions add 25% more
✦ Medical inflation: 12–14% per year
✦ Pre-existing conditions add 25% more
✦ Medical inflation: 12–14% per year
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