Illustrative lower cover today
Illustrative upper cover today
Inflation-adjusted lower cover
Inflation-adjusted upper cover
Gap to lower cover today
Gap to future lower cover
Current cover vs lower band
Compare outputs within each unit group. Bars show magnitude; exact values include any negative sign. Each group uses its own scale.
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Educational estimate only
Compare current family health cover with an illustrative cover band adjusted for city tier, age band and medical inflation.
Educational estimate only
Results can vary based on company policy, lender terms, tax law, and personal assumptions.
Builds an illustrative per-member cover band, applies simple city and oldest-member age factors, then compounds the band by entered medical inflation.
A four-person metro family with an oldest member aged 35-50 is compared with a higher illustrative band than a smaller family in a lower-cost city.
No. It is a planning benchmark, not underwriting guidance. Hospital network, room limits, exclusions, co-pay and restoration benefits also matter.
A sum insured that looks adequate today may buy less hospital care later as treatment costs rise.
