See how much of a hospital bill your insurer is likely to pay, and why: room-rent limits (proportionate deduction), items not covered, co-payment and deductibles.
loading toolHow to use the health claim calculator
- Type your numbers in the boxes (pick your currency or units if asked).
- The answer updates as you type: no button to press.
- Copy the result, or share it on WhatsApp with one tap.
Questions
What is proportionate deduction?
If your room costs more than your policy allows, the insurer cuts linked charges (doctor fees, nursing, tests) in the same ratio, not just the extra rent.
Can this tell me my exact premium?
No. Every insurer prices with its own tables, so get quotes for that. These tools tell you how much cover you need and what to expect from a policy.
Is my data private?
Yes. Everything happens inside your own browser: nothing you type or choose is uploaded to us or anyone else.
Is it free?
Completely free, with no sign-up, no watermark and no limit on how many times you use it. Light ads keep the site running.
