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HEALTH

Health Insurance Premium Calculator

Estimate premium for Individual or Family Floater plans — వ్యక్తిగత / ఫ్యామిలీ ఫ్లోటర్ అంచనా.
Only used when Plan Type = Family Floater. Enter ages of all members separated by commas.
Estimator note: This is an approximate estimator using age-based base rates and common loadings (smoker, pre-existing, floater). Final premium depends on insurer underwriting, exact ages, medicals, riders and taxes.
Estimated Annual Premium
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Equivalent (selected frequency)
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Total First-year Payable (incl. approx loadings & taxes)
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For an exact quote, contact an insurer or broker and provide exact ages, medical history & any riders required.
HEALTH

How to use the Health Insurance Premium Calculator

Estimate premiums for Individual / Family Floater plans — వ్యక్తిగత / ఫ్యామిలీ-ఫ్లోటర్ ప్రీమియం అంచనా.
  1. Plan Type: Select Individual or Family Floater. (Family Floater కోసం family members ages కూడా ఇవ్వండి — e.g. 35,33,4)
  2. Ages & Members: Primary insured age and, for floater, number of members or comma-separated ages. (అన్ని వయస్సులను సరిగ్గా పెట్టండి — premium దీనిపై ఆధారపడుతుంది.)
  3. Sum Insured (₹): Choose cover amount (₹3L, ₹5L, ₹10L …). Higher cover → higher premium.
  4. Smoker / Pre-existing: Select smoker:YES/NO and whether pre-existing conditions exist. These typically increase premium (loading), especially in first year.
  5. Payment Frequency: Choose Annual / Half-yearly / Quarterly / Monthly — calculator shows equivalent amounts (approx.).
  6. Click “Calculate” → You will get:
    • Estimated Annual Premium (before tax & exact underwriting)
    • Equivalent for selected frequency (approx.)
    • Total first-year payable (incl. approximate GST & loadings)
    • Clear breakdown (base rate, floater multiplier, smoker/PE loadings, GST)
  7. Reset: Use Reset to try different scenarios quickly.
Tip (Telugu + English): ముందుగా primary person's age మరియు floater లో ఉంటే eldest age చేయి. Start with realistic Sum Insured — family's annual medical + buffer ఎంచుకోండి. ఈ ఎస్టిమేట్ కేవలం planning కోసం; final quote కోసం insurer / broker తో సంప్రదించండి.

Quick Tips — చిట్కాలు

Accuracy: Provide exact ages and disclose pre-existing conditions for a realistic estimate.
Floater vs Individual: Floater can be economical for families if members are younger; eldest age drives premium.
Waiting periods: Pre-existing conditions often have waiting periods — check policy wording.
One-line above calculator:
“Select plan type, enter ages, sum insured, smoker/PE status and frequency → Click Calculate to view estimated premium and breakdown.”
Shareable WhatsApp line:
“Health Premium Estimator: enter plan type (Individual/Floater), ages, sum insured, smoker & pre-existing status — get an approximate annual/monthly premium. (Estimates only)”

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