Health Insurance Premium Calculator

Imagine you want to buy a smartphone, which is an expensive purchase and will last you for a long time. To ensure that you make the right choice that fits your budget, you look at various models, their specs, and prices across various platforms.

Similarly, when it comes to health insurance, you need to conduct a thorough analysis of the various plans available and the premiums you have to pay. It is a long-term commitment and the premiums should align with the budget you have in mind.

A health insurance calculator helps you with this. It is a time-saving and effective tool that will help you make an informed choice - by letting you know in advance the premium you will have to pay. Let us know more!

Health Insurance Premiums - What Are They?

Health insurance is basically a contract between you and the insurance company. The insurance company offers you health coverage and you pay an amount of money known as a ‘premium’ in return to keep the policy active.

How Is A Health Insurance Premium Determined?

Health insurance premiums may vary from individual to individual. The insurance company calculates your premiums based on your age, gender, medical history, lifestyle habits, geographic location, etc. For instance, if you have a condition that runs genetically in your family or if you are a smoker, your premium may be higher.

And to know the premiums you’ll entail so as to make an informed decision, you can calculate your premiums using a health insurance premium calculator.

Calculate Your Health Insurance Premium

How Do You Use A Health Insurance Premium Calculator By SMC?

SMC’s health insurance premium calculator helps you calculate the premiums of different health insurance products and gives you a quote for the same. You can compare these figures and the various benefits of the plans to arrive at the right decision. Using a health insurance premium calculator is a simple, convenient, and time-saving process. You can fill in the necessary details, compare different health insurance policy options, and choose the best pick.

Here’s how you can go about using one -

  • To use SMC’s Health Insurance Premium Calculator, visit our website and click on ‘Health Insurance’.

  • Select the members you want to insure and their ages.

  • Enter details like your pin code and mobile number. Click on ‘View Quotes’.

  • You will see different policy options with their sum insured, features, premiums, and other details.

  • You can increase/decrease the sum insured, change the policy term, choose add-ons, etc. and see how they affect your premium.

  • If any of the sugged policies interest you, you can click on 'Buy Now' and proceed with the policy application.

Benefits Of Using A Health Insurance Premium Calculator

Apart from being a simple tool for premium calculation, the premium calculator also streamlines available options for effective budgeting and informed purchases. Here are a few benefits of using a health insurance premium calculator online -

  • It gives you a heads-up on the amount required for investment in health insurance.

  • It is an excellent tool for comparing different policies based on the details provided. It eases the process of making informed decisions and helps you select a policy that best suits your needs.

  • It saves impeccable time from the tiring process of contacting agents of different insurance providers.

  • You can select add-ons, increase/decrease the sum insured and filter the quotes as per your budget and requirements.

Need Quick Support, Talk To Health Insurance Expert


Buying health insurance policies has become the need of the day. However, purchasing the right insurance policy from the right provider makes all the difference. The policy that you buy should fit your budget, promise financial coverage during health contingencies, and assure expediency and convenience. A health insurance premium calculator will help you assess between different policies and make a wise decision.

Partners - We Are Proud To Have

We have over 30+ insurance partners on our back. Rest assured, you won't be short of choices.

Why Customers Love Us?

Why Customers Love Us?

  1. We provide quick claim assistance.
  2. We are easily approachable through phone, email, and text.
  3. We are transparent operations with no hidden cost.
  4. We pursue your claims till the very end.
  5. We understand your needs, and advise most suitable insurance products to you.

Our Customers' Stories

Sharing the experience of happy and satisfied customers with you.

Sameer Yadav

I was searching for investment plan but I couldn't find it, then I got the call from SMC insurance and they aligned a call with Ishita Sharma as point of contact (POC) for all my queries and she explain me very well. Ishita explain me all investment plan with advantage and disadvantage, I really appreciate her. Ishita always enthusiast towords work and ready to answer all my questions .I have taken two policies ( HDFC click to invest) plan with 15k premium per month. I always recommend SMC insurance to all, for better life and happy retirement with huge health and wealth. Thank You SMC insurance for your best service. Special thanks to Ishita for E2E help and endless support, you did fabulous work. Show More

Dheeraj Bhatia

I am associated with SMC insurance since 2011 and found them to be most ethical, trustworthy and highly responsive. Some of my precious policies done thru other agencies are still running on SMC’s advice. That is a strong testimony to their customer-centric approach. I am glad to be associated with SMC and strongly recommend their services to all concerned. Wishing the very best to Team SMC !Show More

Jyoti Sharma

We were fortunate enough to have selected SMC as our Health Insurance Broker for they have been very helpful in resolving our queries related to health insurance. I would like to cite two examples where SMC's role has been very crucial. One was when payment for cashless hospitalization was not coming through as the insurance company was taking undue longer time to approve the Hospital Bill. It was then I talked to Neha and it was she who through her contacts in the Insurance co. facilitated and expedited the approval for payment of hospital bill. Second was very recently when the Insurance co. had proposed a top up "Enhancer" policy for our existing policy. When I talked to Neha she immediately told me not to take this policy being offered without any medical test as it will not be beneficial to us and may create problem later on account of recent hospitalization. If I had I not consulted Neha, I would have into a big trouble with the insurance co. These two instances speak very high of sincere advice and timely help rendered by the SMC Staff, Ms. Neha Khanna which helped us a lot in time of need.Show More

Sumit Khanna

Hi, I am Sumit here, purchasing insurance policies from SMC for almost 8 years. Would like to recommend this company to other customers because they are taking care of my insurance broking services in a fabulous way. I would like to extend my gratitude and thanks to policy servicing and also insurance claim backend services. They have rendered fantabulous services for me and would like you guys to definitely go and rely on them for all your insurance needs.Show More

Kishor Kumar Bijlani

My experience with SMC Brokers is excellent. They provide support from the beginning till end i.e from issuance of insurance policies till settlement of claims. They explain very nicely various provisions relating to Insurance Policy also facilitate settlement of claims with Insurance Companies. Show More

Megha Singhal

I have purchased HDFC policy from SMC Insurance with the help of Harsh Sharma. I have got the satisfactory services from SMC Insurance. Thank you SMC Insurance.Show More