Insurance Learning DeskIndian insurance guide, from beginner to proRules as of 26 October 2026

Health insurance premium calculator

Change any condition and the premium slip updates with every formula and rule flag. Motor uses the 2022 TP Rules and the erstwhile Indian Motor Tariff for OD; health and term life use editable illustrative models.

Plan
Insured members
Cost-sharing and add-ons
Model assumptions (illustrative) editable

Annual base premium for ₹5 lakh, Zone 1, one person, before GST. Replace with an insurer's rate card to mirror a real product.

Edit base rates, floater and zone factors

Compare scenarios

Save a scenario from the premium slip to compare conditions side by side, for example the same car with and without zero depreciation, or a 1-year vs 3-year health policy.