Coverage Recommendation · Indicative
Health Coverage Gap
Check if your current health insurance cover is enough. Compare current cover vs recommended guidelines for individual/family and metro/non-metro cities.
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Gap Output
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Inputs
Instant
Result
Coverage Gap Calculator
Pick profile and city type, then enter your current cover. We’ll show recommended range and your gap.
Profile
City Type
Current Coverage (₹) ₹5,00,000
Enter total sum insured across all active policies (if any).
Guidelines: Individual ₹5–10L, Family ₹10–20L, Metro cities ₹15–25L (indicative). We use the mid-point as the “recommended cover”.
Explanation
What is a Coverage Gap?
A coverage gap is the difference between the coverage you should ideally have and the coverage you currently hold. A larger gap may increase out-of-pocket risk during hospitalisation, especially for metro cities where costs are higher.
This tool is indicative and uses simple guideline bands (not personalised medical underwriting). For a more accurate estimate, consider your age, dependents, and pre-existing conditions.