Advanced Health Insurance Premium Calculator

Room rent cap limits daily room charges (e.g., 1% of SI = ₹10,000/day for ₹10L policy). If you exceed (₹15K/day room), 50% excess proportionately reduces ALL claim components (surgery, medicines, ICU). Choose “No Room Rent Limit” plans (costs 15-20% more premium) for full flexibility, especially in metros where single AC rooms cost ₹8K-20K/day.

रूम रेंट कैप दैनिक कमरे के शुल्क को सीमित करता है। यदि आप सीमा से अधिक खर्च करते हैं, तो अतिरिक्त सभी दावा घटकों को आनुपातिक रूप से कम करता है।

You pay X% of approved claim out-of-pocket. Example: 20% co-pay on ₹1L claim = you pay ₹20K, insurer pays ₹80K. Reduces premium 10-30%. Common for seniors (mandatory 20-30% co-pay after 60yo) or voluntary for discounts. Avoid if you want zero out-of-pocket expenses during hospitalization.

आप स्वीकृत दावा राशि का X% स्वयं भुगतान करते हैं। उदाहरण: ₹1L दावे पर 20% को-पे = आप ₹20K भुगतान करते हैं, बीमाकर्ता ₹80K भुगतान करता है।

PED: Conditions existing before buying (diabetes, hypertension, asthma, heart disease). Waiting period: 2-4 years before PED claims covered. Must declare all PED (hiding = claim rejection). PED loading: +20-50% premium. Some insurers offer instant PED cover (costs 40-60% more). After waiting period, PED claims covered like any illness.

PED: पॉलिसी खरीदने से पहले मौजूद स्थितियां। प्रतीक्षा अवधि: 2-4 साल। सभी PED की घोषणा करनी होगी। PED लोडिंग: +20-50% प्रीमियम।

If sum insured is exhausted during policy year, restoration refills it 100% for subsequent claims (different illness/person). Example: ₹10L policy, claim ₹8L for dad’s surgery, restoration gives another ₹10L for mom’s treatment same year. Costs +8-12% premium. Essential for family floaters and senior citizens where multiple hospitalizations likely.

यदि सम इंश्योर्ड पॉलिसी वर्ष के दौरान समाप्त हो जाता है, तो रीस्टोरेशन इसे 100% फिर से भरता है। +8-12% प्रीमियम लागत।

Optional add-on (not in base). Waiting period: 9-36 months. Covers: Normal/C-section delivery, pre/post-natal, newborn (first 90 days). Limits: ₹50K-2L per delivery. Not for >2 children. Cost: +15-25% premium. Essential for couples planning pregnancy. Some offer instant maternity (costs 40-50% more).

वैकल्पिक ऐड-ऑन। प्रतीक्षा अवधि: 9-36 महीने। कवर: डिलीवरी, नवजात। सीमा: ₹50K-2L प्रति डिलीवरी। +15-25% प्रीमियम।

Procedures requiring <24hrs hospitalization (cataract, dialysis, chemotherapy, lithotripsy, tonsillectomy). IRDAI mandates coverage for 150+ day care procedures. Included in comprehensive plans without waiting. Important: Some exclude LASIK, dental unless bought as separate add-ons.

<24 घंटे अस्पताल में भर्ती की आवश्यकता वाली प्रक्रियाएं। IRDAI 150+ डे केयर प्रक्रियाओं को अनिवार्य करता है।

Kicks in after you exhaust base policy + pay deductible. Example: Base ₹5L policy, ₹20L super top-up with ₹5L deductible. If claim is ₹12L: Base pays ₹5L, you pay ₹0 (within deductible), top-up pays ₹7L. Cost-effective way to increase cover (₹20L top-up costs same as ₹8-10L base policy). Best for high coverage needs on budget.

बेस पॉलिसी समाप्त होने + डिडक्टिबल भुगतान के बाद शुरू होता है। लागत प्रभावी तरीका कवर बढ़ाने के लिए।