Health Insurance Premium Calculator

Your Age: Younger folks usually pay less because they tend to have fewer health issues. The older you are, the slightly more you might pay.

Health History: If you've had health problems before, your premium could be a bit higher. Insurers look at your medical history to estimate the likelihood of future health issues.

Sum Insured: This is the maximum amount your insurer will pay for your medical bills. If you choose a higher sum insured, your premium might be a bit higher.

Coverage Type: Different health insurance plans offer different types of coverage. More coverage often means a higher premium.

Location: Where you live in India can affect the cost. Places with higher medical costs might have slightly higher premiums.

Add-ons and Riders: Your premium increases slightly if you choose extra perks like maternity benefits or critical illness coverage.

Discounts: Sometimes, insurance companies offer discounts if you pay for the year upfront or if you have a family plan.

Age and Gender: First, they'll ask how old you are. Additionally, they will ask your gender.

Health Status: It's time for a little health chat. They'll ask about your health history and current health status. Don't worry, they just want to ensure you're fit as a fiddle!

Lifestyle Choices: Yep, your lifestyle matters too! Are you a gym enthusiast or more of a Netflix-and-chill champ? They'll ask about your habits and hobbies.

Occupation: What do you do for a living? It matters for the premium. Some jobs might have a bit more risk involved.

Coverage Amount: How much coverage are you looking for? This helps decide the premium. More coverage might mean a higher premium, but it's all about giving you peace of mind.

Policy Term: How long do you want to be covered? Short-term or long-term, it affects the cost.

Smoking Habits: Are you puffing away or savouring the smoke-free life? Smoking can impact the premium.

Location: Where you live is also a factor. The city vibes or peaceful countryside can affect the cost.

Medical History: They'll want to know about any pre-existing medical conditions. It's all about being transparent and getting the right coverage.

Family Medical History: Sometimes, family health history is considered too. It's all about understanding your risk factors.

Rider Add-ons: If you want extra benefits, like covering critical illnesses or accidents, they'll ask about that, too. Each add-on might adjust the premium.

No Claim Bonus: Renewing without claims earns a cumulative bonus that lowers premiums.

Easy Planning for Your Budget: A Health Insurance Premium Calculator helps you plan your finances smartly. You get to know the exact premium you'll pay for your health insurance. This way, you can set aside a budget without any surprises.

Compare and Choose the Best: Just like shopping for your favourite clothes, this tool helps you compare different health insurance plans in India. You can select a plan as per your needs and budget.

Tailored to Your Needs: Everyone is unique, and so are our health needs. A premium calculator considers your age, health condition, coverage preferences, and more. It tailors the insurance options to match what you need.

Save Time and Effort: No more long hours of researching and confusing calculations! The premium calculator simplifies the process and gives you results in a jiffy. It saves your precious time and effort.

Avoid Hidden Costs: Health insurance policies often come with hidden costs. With a premium calculator, you can unravel these hidden elements and understand the real cost of the policy.

Educational Tool: It's like having a mini health insurance course. The calculator educates you about the factors that influence your premium. You'll become more informed about how health insurance works.

Better Informed Decisions: Being informed is being empowered. You can make a better decision about buying your health insurance using a premium calculator. You won't be in the dark about what you're paying for.

Shop Around for the Best Deal: Just like buying clothes, it's good to shop around for health insurance. Different insurers offer different premiums for similar coverage. Take your time and compare various health insurance plans available in India.

Opt for a Higher Deductible: This is your share of the claim amount. You need to set it while buying the plan. When you select a higher deductible, your premium decreases. However, choose an amount of deductible which you can easily afford during a medical emergency.

Maintain a Healthy Lifestyle: Your insurance company may offer a discount if your health tests show you are healthy. So try to eat healthy and follow a consistent exercise schedule as per your health status.

Avoid Unnecessary Coverage: Assess your needs and choose a plan that suits you. You might not need coverage for certain conditions if you're young and healthy. Opt for a plan that covers what's essential for you.

Renew Your Policy on Time: Stick to your policy renewal dates. Renewing on time prevents a lapse in coverage and ensures you maintain a good track record, which can potentially lead to lower premiums.

Don't Over-Insure: Assess the health coverage you actually need. Sometimes, people tend to get more coverage than necessary, leading to higher premiums. Customise the plan according to your needs and budget.

Have a Good Credit Score: Credit score can affect the health insurance premium. Maintaining a good credit score can qualify for lower premiums.

Easy and Quick Cost Estimates: Want to know how much your health insurance might cost? The ACKO premium calculator is like a wizard that quickly estimates the premium based on your needs and preferences. It's super easy and saves you precious time.

Customised Plans: We're all unique, right? ACKO's calculator considers your specific needs - age, health condition, coverage preferences - to suggest personalised plans. No one-size-fits-all approach here!

Budget-Friendly Options: Money matters! With the ACKO calculator, you can tinker with coverage and see how it affects the premium. It helps you find a balance between coverage and cost that fits your wallet.

Transparent & Clear Info: We believe in being crystal clear. The calculator gives you a breakdown of the premium and what it covers. There are no hidden surprises, just plain and simple information.

Online Convenience: No need to step out. The calculator is online, so you can use it whenever and wherever, from the comfort of your home or anywhere you like.

Visit the ACKO Website: Go to the ACKO website, and you'll easily spot the Health Insurance Premium Calculator. Simply select Health Insurance and then tap the "Check prices" button.

Choose Your Plan: Pick the health insurance plan that suits you best. Whether you're an individual or want a family plan, we've got you covered.

Fill in Your Details: The calculator will ask for some basic information like your age, the number of family members to be covered, and other relevant details. Don't worry; it's all confidential!

Hit 'Get Quote': After filling in the necessary details, click 'Get Quote.' The calculator will do its magic and provide an estimated premium cost.

Compare and Choose: Once you have the premium estimate, you can compare it with other plans and see what fits your budget and requirements best.

Multiple individual and family floater plans with sum insured ranging from Rs. 1 lakh to 1 crore

Covers inpatient hospitalisation along with pre and post-hospitalization expenses

Outpatient coverage for consultations, pharmacy, diagnostics and more

Optional covers like personal accident, critical illness, maternity and newborn

Senior citizen plans with enhanced benefits and premium discounts

14,300+ cashless hospitals across India, including top hospitals like Apollo, Fortis, Manipal, etc.

Cashless settlement directly with the hospital, so you don't pay anything out of pocket

Cashless access even in smaller cities and towns pan-India

Unique feature that restores the entire sum insured once per policy year

Restored amount can be used for fresh hospitalisation in the same year

Continued coverage even after exhausting your base sum insured

Intuitive claims portal for online submission in minutes

Direct integration with hospitals for quick document retrieval

Claim approval and payment in less than 2 days

50% cumulative bonus on every claim-free renewal

Increase your sum insured each year without the premium hike

No health check-ups are required on renewal

Dedicated relationship managers for assistance via call, chat or email

Personalised guidance on choosing the right plan and benefits

Seamless support for cashless approvals, claims and renewals