Compare up to three health policies by annual premium plus what you would pay yourself on the same hospital bill.
Use this tool when you have quotes for the same people, the same city zone and roughly similar cover. Enter each premium as the amount you actually pay for the year.
Your share of the bill. For each policy, estimate what you would bear on the test bill: non-payable items (gloves, masks, admission kits and similar, often 3–8% of a bill in illustrative examples), any co-pay percentage applied to the admissible amount, the proportionate deduction if the room you would realistically use costs more than the room-rent limit, and any deductible. The room-rent guide and the co-pay calculator help you estimate these.
How it works. For each policy: insurer pays = min(bill − your share, sum insured); you pay = bill − insurer pays; total = premium + you pay. Policies are sorted from lowest to highest total.
Worked example (illustrative). On a ₹4,00,000 bill: Plan A ₹24,000 + ₹12,000 = ₹36,000; Plan B ₹19,500 + ₹98,000 = ₹1,17,500; Plan C ₹13,800 + ₹88,000 = ₹1,01,800. Without a claim Plan C is cheapest; with one serious hospitalisation Plan A wins by a wide margin. Try ₹0 and ₹12,00,000 to see both ends.
Limits. The tool does not check waiting periods, exclusions, sub-limits for named treatments or network hospitals in your city. Defaults are illustrative, not real quotes. See the worked quote comparison.
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