Health Insurance Premium Calculator

A health insurance policy is a health cover, which will act as a cushion for you in times of unexpected medical conditions or in case of an accident. The policy will cover expenses incurred for any medical treatment, hospitalization, surgery, and critical illnesses.

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Parameters that influence health insurance premium

The insurance premium for any health-related issues depends on several factors. The most significant ones include the following:

  • Pre-existing medical condition
  • You will be required to provide complete health records when applying for a health insurance policy. If you have any pre-existing medical condition such as diabetes or high blood pressure, the premium will be higher.

  • Body Mass Index (BMI)
  • The BMI will determine the premium for an applicant. Individuals with a high BMI will have a higher premium rate because a higher BMI may lead to a number of medical conditions and illnesses.

  • Family medical history
  • If the family members of the applicant have any critical medical conditions, the premium for health insurance will be high for the policyholder, since it puts them at a higher risk.

  • Age
  • This is an important deciding factor as elder people are more susceptible to illnesses.

    Health insurance policy calculator

    It is advisable to gain information about the premium payable on health insurance before zeroing in on it. A medical insurance premium calculator will come in handy for this purpose.

    We offer two health insurance policies—Critical Illness Cover with Kotak Secure Shield and Comprehensive Health Insurance Plan . We also have a policy calculator that will provide a quote based on the applicant’s personal details.

    This health insurance premium calculator will require you to provide information about the individual you seek to purchase a cover for. It should include the age of the applicant and the amount you wish to insure. If you are purchasing the policy for a number of members of your family, you will have to furnish information about all of them. Also, specify any existing medical condition in order to calculate the premium amount.


    Comprehensive Health Plan Calculator


    Critical Illness Cover Calculator


    Family health insurance premium calculator

    A family health insurance premium calculator is used for selecting a comprehensive health insurance plan. It is suitable for separate policies for multiple family members, as well as, an entire family together under one policy. Details about the age of every member should be provided in addition to the insurance amount. Based on the given information, you will be able to calculate the amount of premium payable for the policy.

    Calculate Premium


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