How to use — Critical Illness / Mediclaim Gap Calculator
Enter your current covers • మీ ప్రస్తుత పాలసీలను నమోదు చేయండి
Fill health (sum insured) and any standalone critical illness cover. Example: Health ₹5,00,000 + CI ₹2,00,000.
Estimate treatment cost & horizon • చికిత్స ఖర్చు మరియు సమయం ఎంచుకోండి
Enter expected major treatment cost today and years until possible claim (planning horizon). ఇది మీ యోచన మీద ఆధారపడి ఉంటుంది.
Set medical inflation, replacement % & buffer • మెడికల్ ఇన్ఫ్లేషన్, రీప్లేస్మెంట్ % మరియు బఫర్
Medical inflation grows today's cost; replacement % is how much you want covered (e.g., 100%); buffer adds safety margin (e.g., 20%).
Calculate & review recommendations • లెక్కించి సలహాలు చూడండి
Calculator shows inflation-adjusted cost, required cover, existing cover, shortfall and suggested additional cover (rounded to ₹1L slabs).
• Required cover = replacement% × future cost × (1 + buffer%).
• Suggested add-on rounded to nearest ₹1,00,000 for practical buying.
• Estimated extra premium uses your assumed rate (% of sum insured p.a.) — check real insurer quotes.
Example • ఉదాహరణ: Expected cost ₹15,00,000 today, inflation 8% for 5 yrs → Calculator will show future cost, required cover and shortfall.