Work out health insurance cover requirement instantly with clear inputs, formula shown and shareable results.
Size health cover from the cost of one serious event in your city — daily room charges over a realistic stay plus procedure costs — and then add a buffer, because a bad year can bring more than one claim and medical inflation runs well above general inflation.
Major event cost
Event cost = (Daily cost x Stay days + Procedure cost) x City cost factor
Recommended cover
Cover = Event cost x 1.5, rounded up
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.
Almost always. A modest base policy with a high-deductible top-up delivers a much larger total sum insured for a similar premium.
Typically several points above consumer inflation, so cover set today should be reviewed every two to three years.