Health Insurance Adequacy Calculator
Check if your current health cover is enough for your family size and city-specific medical inflation.
Quick Summary: Health Insurance Adequacy Calculator
With medical inflation at 14% in FY 2026-27, a family of four in a metro city needs at least ₹15L-₹25L base cover. Use our adequacy tool to check if your current plan can handle a 20-day hospitalization or a major surgery in 2026.
How to use the Health Insurance Adequacy Calculator
- 1
Select City Tier
Choose your location (Tier 1, 2, or 3) as medical costs vary significantly by geography.
- 2
Input Family Size
Add details for spouse, children, and dependent parents.
- 3
Enter Current Cover
Input your existing base and corporate health insurance limits.
- 4
Review Gap
Calculate the recommended Super Top-up limit to bridge the coverage gap.
Related Calculators
Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.