Insurance Calculator - Ver 8

🇮🇳 Health Insurance Recommendation Calculator

A. Health & Lifestyle Profile

Age of Oldest Member (Years): Pre-Existing Diseases (PED) & Status:

None Diabetes Hypertension Asthma/Respiratory Cardiac Issues (Major) Others (Specify) Are existing PEDs controlled/managed?

Yes (Controlled) No (Uncontrolled)

Smoking Status: Non-smoker Smoker (Cigarettes/E-cigarettes) Other Tobacco User (e.g., Gutka, Bidi) Body Mass Index (BMI) Inputs:

Height (cm):

Weight (kg):

B. Family & Policy Requirements

Number of Adults (18+): Number of Children (0-25 yrs): Are you planning a family (Newborn/Maternity) in the next 1-4 years?

Yes No

Do you require Critical Illness (Lump-sum) Cover?

Yes No

Existing Health Cover (Sum Insured in Lakhs INR):

C. Financial & Location Profile

City of Residence (Insurance Zone): Zone A (Metros/Tier 1) Zone B (Tier 2) Zone C (Tier 3/Rural) Annual Household Income (in Lakhs INR): Desired Hospital Type: Govt/Trust Hospital Mid-range Private Hospital Premium Multi-Speciality Chain Hospital

✅ Your Detailed Health Insurance Recommendation

Output Parameter	Value (Calculated/Suggested)	Rationale/Actionable Insight
Body Mass Index (BMI)
Likelihood of Claim
Recommended Base Cover (SI)
Recommended Top-up Cover (SI)
Recommended Policy Type
**Recommended Deductible**
**Strategic Policy Recommendation (3-5 Year View)**
**Budget Feasibility**
**Next Action Step**
Critical Policy Considerations