Insurance Premium Estimator
Get a ballpark estimate for your Term Life or Health Insurance premium based on your age, cover amount, and profile.
Insurance Estimator
Your Insurance Profile
Insurance Type
Smoker / Tobacco User
Smoker premiums are 50–100% higher
These are estimates only based on average Indian market rates. Actual premiums depend on your medical history, insurer, and policy terms. Consult our advisors for an accurate quote.
Estimated Annual Premium
₹21,000 – ₹34,000
≈ ₹2,292/month · Term Life · ₹100.0 L cover
Min. Estimate
₹21,000/yr
Max. Estimate
₹34,000/yr
Estimated Monthly Cost
₹2,292/month
How Much Insurance Do You Actually Need?
A common rule of thumb: your Term Life cover should be at least 10–15 times your annual income. For a ₹10 lakh annual income, that means ₹1–1.5 Crore cover — enough to replace your income for your family for years.
For Health Insurance, a ₹5 lakh individual cover was adequate a decade ago, but medical inflation (around 15% p.a.) means ₹10–15 lakhs is now the recommended minimum for a family of 4 in a metro city like India.
Our advisors compare plans from 30+ insurers to find the right balance of cover, premium, network hospitals, and claim settlement ratio for your specific needs.