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Tips To Use Health Insurance Premium Calculator

Insurance premiums are something that one should never skip.. For those unaware, insurance premiums are the fixed amount of money that you need to pay to your insurance provider at regular intervals for the medical coverage that they provide in return.

Ever wondered on how exactly do these companies decide on how much money you will be paying as a premium?


How Is Health Insurance Premium Calculated?

Well, health insurance or any insurance, for a fact, is calculated keeping in mind several factors. The amount of premium depends on the existing statistical data on the policyholder’s life history, age, and health.

Another very important fact when it comes to considering insurance premiums, especially health insurance premium in mortality and sickness table. This is nothing but a study of your medical history to determine your life expectancy and sickness score in numerical value. This helps the company to have a rough idea of how much they might have to be spent on your medical expenses and considering that, they can determine your premium on your health policy.

You must note that a part of your premium is saved too. It is like a fixed deposit, but something that you can only withdraw at the time of ailment. Other factors which determine your premium might be expenses related to marketing and services and policy underwritings.

How Do You Determine What You Should Pay as a Premium?

So, you see, determining one’s health insurance premium is a complex process. But how will you know how much money you should pay? To give you an easy solution, you should try out the health insurance premium calculator. These are basically online tools that help you calculate the premium you should be paying depending on certain parameters that you provided at the time of calculation.

Apart from doing that, it also compares the top insurances by the insurance providers in the country and helps you decide on which policy suits you the best. Upon choosing a policy from the calculator, you can purchase it instantly too. Isn’t that amazing?

Now the question might arise in your mind on how to use the premium calculators. Here is a step-by-step guide to it.

  • Step 1: -Enter  generic details, like your gender, date of birth, family size (which includes number of adults and children) and your present city.
  • Step 2: Answer a few more personal questions related to your daily habits like exercising, smoking, drinking and your family medical history .
  • Step 3: Answer questions on your assumption of your cost of treatment as per current date. Also enter the amount of coverage of your current medical insurance offers, if you have any.
  • Step 4: Enter your personal details like your name, email ID, mobile number and annual income. Finally, click on “Get Your Coverage” button and you are done.


The calculator will calculate your estimated coverage amount based on your answers. It will also provide a special, customised Mediclaim plan just for you, which you can avail very easily. Medical insurance is very essential for every family in today’s date. Don’t let financial difficulties get in the way of getting out of ailment. Check your premium with the premium calculator now.