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Feeling overwhelmed by the increasing variety of health insurance plans? Do you need help choosing the right plan based on your budget and needs? Explore Reliance Health Insurance Premium Calculator.
A health premium calculator is a user-friendly tool that provides accurate premium estimates for a variety of our health insurance plans to help you find the best plan for your coverage needs and budget.
With medical inflation on the rise and healthcare facility costs increasing, insurers charge premiums that vary based on numerous factors. Thus, relying on an online tool for comparison is crucial to making the right decisions.
With our simplified and useful health insurance plans calculator tool, you can plan your policy purchase instantly without additional time and effort.
To get an accurate premium calculation on your screen, you just need to add basic information, select the family members you wish to include, and select the policy you like.
A health insurance premium calculator is a free online tool designed to help users make informed policy purchase decisions regarding their well-being and future health and medical expenses.
This simple yet effective tool provides a detailed cost structure for every health insurance policy available, so you will know how much you will need to pay and for what coverage.
The health insurance policy calculator takes into account your age, health conditions, coverage amount, lifestyle, and the number of people you wish to add to the same plan to provide an accurate estimate of a potential health insurance premium for the chosen plan.
It is a quick and efficient digital tool that reduces the potential complexities of calculating individual health insurance plan premiums. With the help of a health insurance premium estimator, you can draw a fair comparison between different plans before the final policy purchase for a favourable decision.
A health insurance premium is a monthly payment that you pay towards your chosen health insurance plan to avoid interruptions in coverage during your policy tenure.
It works as a subscription fee that must be paid to the insurer. In return, you can avail of the necessary financial protection in case of medical emergencies. To keep your health insurance coverage active, you need to pay the premium every month toward policy renewal.
Given the role and impact of this important fee, assessing the different policy premiums using a medical insurance premium calculator is necessary to make the right decision. Using this tool not only provides instant premium estimates but also helps you understand how your premium is calculated.
Moreover, with a health premium calculator tool, you can customise your coverage by combining different add-ons as required and getting the updated policy premium value at the same time for an instant and informed purchase.
Buying a health insurance plan requires thorough research and evaluation first to assess your needs and then to compare plans to find the best fit. However, doing this with physical appointments and extensive documentation can result in delayed purchases and unnecessary confusion.
Thus, calculating health insurance premiums online is convenient and less time-consuming. Let's explore all the reasons why online comparison is more beneficial.
Online calculation of health insurance premiums allows you to explore real-time premium estimates from the comfort of your home or any other location in just a few quick clicks for maximum convenience. Thus, using a health insurance plans calculator is the best solution.
Another benefit of calculating health insurance premiums online using tools like a medical insurance premium calculator is complete transparency. Throughout the process, the tool will provide the detailed cost structure associated with the different types of plans we offer to promote informed financial investments.
By calculating your health insurance premium online, you can compare all our plans in one go to explore and purchase the one that aligns with your specific needs and budget limitations. This easy comparison also ensures a bias-free decision, as all the necessary information is conveyed to you online.
The online process of calculating a health insurance premium is quick and efficient. It allows you to compare different health plans without the hassle of meeting individual insurance providers in person to get a quote. This streamlined process only requires a few minutes for the total calculation, making it less time-consuming and more effective.
As the entire process of calculating health insurance premiums will be online, the risk of error in calculation will be reduced significantly. Moreover, you can easily make necessary adjustments to your choices as per potential coverage needs in future when comparing premiums to get the best estimate without the hassle of multiple in-person discussions.
You can use our mediclaim policy premium calculator on any electronic device and at any location. This online accessibility ensures maximum convenience without the additional hassle or effort of visiting the insurer's office after booking an appointment.
One of the top benefits of the health insurance premium calculator by Reliance General Insurance is the simplicity of this tool. The layout is very straightforward and user-friendly, and the calculation procedure only requires the necessary information inputs to provide an accurate premium estimate.
The Reliance health insurance premium calculator also delivers fast results with proper accuracy. Within a few minutes, you can get different premium calculations for our various plans, making it easier for you to navigate and finalise the plan that best aligns with your requirements.
With our mediclaim premium calculator, you no longer have to worry about the impact of removing or combining add-ons on your health insurance premium. This is because while using this tool, you can do the same in just a few steps to get the closest estimate of the policy with and without add-ons of your choice to make an informed decision.
With our mediclaim policy premium calculator, you no longer need to wait for quotes and delay decision-making. You can avail of instant quotes for different health insurance policies offered by us in just a few seconds to compare and choose the most appropriate health insurance plan for your financial well-being.
To ensure maximum transparency with our health insurance plans and premiums, our mediclaim premium calculator provides real-time premium estimates based on your personal information, health conditions, and location.
When calculating a health insurance premium, you must enter the right information about yourself (for individual plans) and your family members (for floater plans) in the health insurance premium estimator to get the most accurate estimate.
Here is all the information you need to gather beforehand.
Based on your choice between individual and family floater plans, you need to specify the number of members you wish to include under any of the health insurance plans for a family premium calculator. The list of family members that can be added includes your spouse, children, and parents (both yours and your spouse's).
You must also select the sum insured value (the maximum amount you will receive from the insurer) beforehand when using our health insurance premium estimator based on your coverage requirements and the level of financial support you require.
We offer the convenience of choosing any sum insured value between ₹3 lakh and ₹18 lakhs to cater to policyholders' varying needs.
We offer a wide range of health insurance plans, such as Health Infinity Insurance, Health Gain Insurance, Super Top-Up Insurance, Critical Illness Insurance, Hospi Care Insurance, and so on.
All these plans have different premiums, and thus, when calculating a health insurance premium, you must choose the plan of your choice in advance to get the best premium estimates.
Add-on covers allow you to enhance your base insurance policy with targeted coverage, such as maternity cover for maternity and childbirth-related healthcare expenses. Including add-on covers entails paying an additional premium over and above the base premium. So, your choice of add-ons is crucial to determining the final premium.
Whether you are buying a health insurance plan for yourself or your entire family, you must collect all the necessary member information to add to our health insurance premium calculator. The list of information includes -
Name
Address
Mobile Number
Email address
Relationship with Purchaser
Gender
Marital Status
Date of Birth
Any Pre-Existing Diseases, etc.
Health and medical costs can vary from location to location. Thus, to get an accurate premium, you must add your updated address, PIN code, and other location-related information to our health insurance premium estimator.
Take advantage of discounts such as online discounts, credit score discounts and healthy life discounts, which can significantly reduce your health insurance premium. Check for these available discounts to get the best possible rate on your policy.
Also Read: How To Buy The Right Family Health Insurance
To learn how to use a health insurance premium calculator, follow the simple steps mentioned below for instant solutions.
Find the medical insurance plans calculator at the top of this page.
Choose between Floater and Individual plans to begin calculating a health insurance premium based on the selected option.
Based on your choice in the second step, you need to enter the following information in the space provided below.
If you selected the individual option, you need to add the following information accurately.
Policy starting date of your choice
Number of members you want to add to the plan from the dropdown menu
The total required sum insured (example - ₹5 lakh health insurance premium calculator value for sum insured)
If you selected the floater option, you need to add the following information accurately.
The option between family, parents, or in-laws
Number of children you wish to add to the plan from the dropdown menu
Date of birth of the senior most member you want to include in the plan
After selecting all the necessary options and entering the requested information, you must enter all the member details accurately in the space provided for the next step.
This will include the member's name, the relationship between you and the member, their date of birth, gender, and so on. Ensure you add this information for all the members you want to include in your plan before clicking on “Next" from the bottom of the page.
The next step in calculating health insurance premiums is to add your personal information on the next page. Provide accurate details regarding your date of birth, family details, location, lifestyle questions, current coverage, if applicable, and so on. After adding all the necessary information, click on "Next" to proceed.
Based on the information you provided and the options you selected in the previous steps, an estimated premium amount will be calculated and displayed on the screen. You must check the coverage inclusions and exclusions and read the policy terms and conditions to understand the detailed cost division for the plan.
Moreover, you can tweak the provided coverage details further by combining or removing add-ons, changing the chosen sum insured value, and other information.
If the final premium value presented is acceptable, you can proceed to make the payment by selecting one of the available payment options. Once the payment has been completed, your new health insurance policy will be sent to your registered email address.
Health insurance is an investment for your future, and understanding the factors affecting health insurance premiums is necessary to try and reduce your total premiums wherever possible.
Here are some factors that impact your health insurance premium.
The first integral factor that affects your health insurance premium is your age. As we age, the risk of health complications increases, indicating a higher scope of medical expenses and claims in the future.
This is why even when you use a mediclaim health calculator, you are required to add your accurate date of birth. Therefore, the older you are, the higher the health insurance premium might be, and vice versa.
Your lifestyle choices also impact the calculation of your health insurance premium. For instance, regular smoking or frequent alcohol consumption can lead to higher premiums as these habits attract a higher risk of health diseases and illnesses. This increased risk directly indicates an increased requirement for claims, thus resulting in expensive premiums.
The choice of policy and the tenure also impact the health insurance premium. For individual plans, the premium is higher or lower based on the type and combination of add-ons.
However, when compared to family plans, they are relatively more affordable than individual plans for each member, as they cover multiple family members under one policy.
Health insurance premiums also vary based on the type and number of add-ons you combine with your health insurance plans for additional coverage.
Some of our add-ons include maternity cover, consumables cover, emergency ambulance cover, restoration cover, and so on. Thus, when using our health insurance premium calculator, carefully add the necessary add-ons to get the most accurate premium.
Your family medical history might also impact your health insurance premium. For example, if you have a family history of high blood pressure, heart conditions, or diabetes, the probability of you getting infected with the same health issue is very high. In such situations, a higher premium is charged based on the scope of potential claims in the future.
Having any pre-existing condition can also result in higher health insurance premiums. Individuals with pre-existing conditions might have an increased requirement for medical treatments from time to time.
The sum insured is the maximum financial coverage you can claim under your chosen health insurance plan. Thus, the selection of the sum insured value also plays a significant role in calculating health insurance premiums. If you select a ₹3 lakh sum insured value, your premium will be lower when compared to a ₹5 lakh sum insured value.
Under No-Claim Bonus, for every claim-free year, you might get a discount on the premium at the time of policy renewal. Thus, to earn this reward, you must try to reduce the claims every year for better premium quotes.
When buying a health insurance plan, you can also choose a deductible or comply with a pre-determined deductible/copayment amount or percentage.
The deductible or copayment refers to the out-of-pocket expenses you will need to pay in case of medical emergencies before your insurance money kicks in. Thus, higher deductibles result in lower premiums, and vice versa.
Also Read: Things to Consider While Comparing Health Insurance Plans
Your health insurance premium is no one-size-fits-all investment category.
Instead, it is a customised investment type that calculates your premium value based on your age, family medical history, lifestyle habits, pre-existing diseases, and the desired coverage amount.
Even when you use our health insurance premium calculator, you must add all these necessary details in the tool accurately to get the closest premium estimate.
You must understand and rectify certain controllable factors that impact your premium to benefit from lower premiums for your chosen health insurance plan.
If you modify the necessary factors to your maximum capacity, you can enjoy lower premiums without compromising on the available coverage. To explore different plans and compare premiums, use our mediclaim premium calculator.
Also Read: Family Floater vs Individual Health Insurance
If you are wondering how to reduce health insurance premiums, you must first understand that the various factors impacting your premium value are divided into controllable and uncontrollable aspects.
Let us look at the controllable factors below.
To enjoy lower health insurance premiums, the first thing you can do is plan and maintain a healthy lifestyle. Your lifestyle choices have a significant impact on not just your premiums but also on your health and well-being.
Thus, you must refrain from habits like alcohol consumption, unhealthy diet, and tobacco usage to reduce your risk profile and enjoy more affordable premiums.
Another way to lower health insurance premiums is to purchase a policy at an early age. The sooner you buy a policy, the higher the chances of affordable premiums, as your risk profile is more under control and will not attract frequent claims in the near future.
You can also reduce your health insurance premiums by selecting a higher deductible or copayment amount. When you choose a higher value, your out-of-pocket expenses increase, but the insurance claim amount reduces, and vice versa.
However, it is recommended that you choose your deductible carefully and do not decide on values that are too high or too low to avoid upfront financial burden or extremely high premiums.
Before purchasing any health insurance plan, you must use our health insurance premium calculator to compare different plans from the comfort of your home. This will help you gather all the necessary information regarding the associated costs and inclusions of our other plans for informed decision-making.
Buying individual health insurance policies for every family member can attract higher premiums overall. Suppose you wish to insure your entire family. In that case, choosing family floater plans can be more beneficial, as they offer lower premiums with the assurance of comprehensive coverage for each family member included in the plan.
The add-ons you combine with your base health insurance plan also increase the premium. Thus, when deciding which add-ons to combine with your policy, be mindful of your specific additional requirements and select carefully to avoid paying higher premiums for unnecessary coverage.
An important tip for reducing your health insurance premiums without compromising on coverage is investing in a top-up insurance plan. When you combine our Super Top-Up Health Insurance plan with your existing policy, you only have to pay a little extra when compared to purchasing a plan with a higher sum insured value.
For example, if you have a ₹5 lakh sum insured plan and require a higher value, instead of buying another plan with ₹3 lakh sum insured, you can purchase our top-up at a lower premium for the coverage necessary.
Filing frequent claims can impact your health insurance premiums significantly. Moreover, it reduces the possibility of availing of a No-Claim Bonus on your chosen plan at the time of renewal. Thus, to lower your premium using the NCB benefit, you must strategise your claims and focus on avoiding minor claims for a claim-free year.
Securing your health and financial future amidst the increasing medical costs can be overwhelming, but with Reliance Health Insurance, you can enjoy affordable premiums for the necessary coverage.
However, in addition to coverage, you can enjoy many other benefits when you invest with us.
Our claim settlement ratio for FY 2023-24 is 100%, indicating our commitment to providing our customers with quick and efficient claim settlements. Our proven track record ensures you get the necessary financial coverage and protection during medical emergencies without the burden of hefty upfront expenses.
Our diverse range of health insurance policies is curated, keeping in mind the varying needs of individuals. Our plans include Health Infinity Insurance, Health Gain Insurance, Super Top-Up Insurance, Critical Illness Insurance, Hospi Care Insurance, and more, all catering to individuals and families.
Moreover, all our plans offer extensive coverage for pre- and post-hospitalisation expenses, emergency ambulance fees, domiciliary treatments, in-patient treatments, and AYUSH benefits.
As opposed to traditional policy purchases, which require extensive documentation and physical appointments, our health insurance policies offer a hassle-free, paperless process. You no longer need to wait in long queues to get your desired policy, as our user-friendly website provides the convenience of instant policy purchases with minimal documents.
In addition to the comprehensive coverage you receive with our various plans, you can personalise your chosen health insurance plan further by combining different add-ons as required.
From global hospitalisation and outpatient department cover to maternity and unlimited restoration benefits, our add-ons ensure you receive the necessary medical coverage without limiting quality treatment.
We at Reliance General Insurance understand the need for affordable health insurance policies. Thus, we offer competitive premium rates with comprehensive coverage to ensure you find a plan that meets your requirements. You can use our online health insurance premium calculator to find a plan that meets your coverage needs and budget.
To ensure maximum support in times of need, our 24/7 customer service and support team are available for all your queries and requests. Our dedicated team is equipped with all the necessary tools and resources to ensure smooth and efficient resolution for all your concerns.
A health insurance premium calculator uses all the information about you, your family, and your health and lifestyle habits to give you a close estimate of the premium value.
However, the quotes provided must not be taken as guaranteed rates, as premium calculation takes multiple factors into consideration, which can differ at the time of the final calculation.
Moreover, in addition to the known factors of age, health, and lifestyle habits, other underwriting factors, like location, can impact the final premium calculation.
Your age has a direct impact on your health insurance premium. As we age, our risk profile increases due to the growing probability of contracting various illnesses and diseases, resulting in higher premiums. Thus, when you buy a health insurance plan at an early age, your risk profile is lower, which attracts more affordable premiums along with extensive medical coverage in times of need.
A health insurance premium calculator allows you to compare various health insurance premiums side-by-side to find the most cost-effective plan that aligns with your budget and coverage needs.
Moreover, it will enable you to change different factors, such as sum insured, policy type, etc., to make required adjustments if and when needed to find the best plan.
Health insurance premiums are commonly non-refundable once the policy tenure begins. However, most health insurance plans come with a free-look period of 15-30 days after the policy tenure begins, during which you can cancel your policy and claim a full refund. Thus, if you wish to cancel and get a refund, you must check the insurance policy terms and conditions before proceeding.
Having a family history of heart disease may lead to higher premiums, as you are at a higher risk of developing the same or similar health condition in the future. With this increased risk, the probability of future claims also rises, which results in higher premiums. However, factors like the severity of the disease or illness, the relationship between the family member and the health condition, and lifestyle habits can impact the final premium calculation.
Yes, a health insurance calculator allows you to add or remove add-ons when calculating and comparing premiums. This ensures you get the convenience of a personalised health insurance plan with the necessary coverage while updating you on the impact of certain add-ons on the premium estimate.
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Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale.
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