Deterministic Rate Card · Indicative
Premium Estimator
Estimate annual premium for Health and Term Life plans using simple deterministic rate cards. Use it for quick planning, not for underwriting.
₹/L
Rate Card
5
Inputs
Instant
Result
Insurance Premium Estimator
Select product type and enter basic inputs. We’ll estimate annual and monthly premium.
Product
Age
Coverage Amount (₹) ₹10,00,000
Profile
City
Smoker and riders increase premium (indicative).
Health rate (per ₹1L): <30: ₹450, 30–45: ₹650, 45–60: ₹1000, 60+: ₹1600. Family: ×1.6. Metro: ×1.1.
Term rate (per ₹1L): <30: ₹120, 30–45: ₹180, 45–60: ₹320, 60+: ₹600. Smoker: ×1.3. CI rider: +12%.
Term rate (per ₹1L): <30: ₹120, 30–45: ₹180, 45–60: ₹320, 60+: ₹600. Smoker: ×1.3. CI rider: +12%.
Explanation
Premium is driven by age and cover
Premiums typically increase with age and higher cover. This estimator uses fixed rate cards to keep outputs deterministic and fast. Actual insurer pricing can vary by medical history, add-ons, deductible, and policy terms.
Use this output for budgeting and comparing options; use the Premium Comparison Tool for a side-by-side table.