Risk
Healthcare Cost Calculator
A separate medical corpus using healthcare-specific inflation, projected premiums, and whether your sum insured still covers a major event decades from now.
Last updated 21 August 2026 · Free · No sign-up · Nothing you type leaves your browser
Timeline
Routine healthcare spend
Healthcare has historically inflated faster than headline CPI in India.
Health insurance
IRDAI caps renewal hikes at 10% a year without prior approval, but entry premiums for a fresh policy climb faster with age.
A serious cardiac or cancer episode, in today's prices.
Assumption
Healthcare corpus needed, on top of everything else
₹2.27 Cr
Funds ₹4,03,650/yr of out-of-pocket spend and ₹1,39,829/yr of premiums, both starting at retirement and rising every year, for 30 years.
Medical spend corpus
₹1.8 Cr
Out-of-pocket spend reaches ₹4,03,650/yr by retirement
Premium corpus
₹46.6 L
Premium reaches ₹1,39,829/yr by retirement
Is your sum insured still enough later?
A sum insured that comfortably covers a major event today can fall well short decades from now, because medical costs inflate every year the policy is held — while the sum insured itself typically does not, unless you actively increase it.
Major event cost at 60
₹1.01 Cr
₹90.9 L above your sum insured
Major event cost at 90
₹17.6 Cr
₹17.5 Cr above your sum insured — a self-funded gap
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One inflation rate does not fit every expense
Most retirement calculators, including our own inflation calculator, apply a single blended rate to a household budget. That is a reasonable simplification for most categories, but healthcare is the exception — it has historically run hotter than headline CPI, and it tends to grow precisely as you age and can least afford surprises.
The sum insured gap is easy to miss
A ₹10 lakh sum insured looks generous today. Run the same cover forward through several decades of medical inflation and it can look thin by the time you are most likely to need it. This tool projects that gap explicitly rather than leaving it as an unstated assumption in a broader retirement plan.
The corpus figure here is meant to sit alongside, not replace, your main retirement corpus — add the two together for a fuller picture of what retirement actually requires.
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Frequently asked questions
Why does healthcare need its own corpus, separate from everything else?
Because it does not inflate at the same rate as the rest of the household budget. Medical costs in India have historically run well ahead of headline CPI, and health insurance premiums step up with age on top of that. Blending healthcare into one average household inflation rate systematically understates it.
Will my sum insured still be enough when I actually need it?
Possibly not. A sum insured that comfortably covers a major hospitalisation today can fall well short after 20-30 years of medical inflation, because the sum insured itself typically stays fixed unless you actively buy a higher cover or a super top-up policy. This calculator shows the gap directly, at retirement and at your planning age.
Why do premiums rise faster than general inflation?
Two things compound: the insurer's own cost inflation (which tracks medical inflation), and age-based repricing, since older policyholders statistically claim more. IRDAI caps annual renewal hikes at 10% without prior regulatory approval, but entry premiums for a given age band have historically climbed 4-5% a year across the 60-80 age range.
Should I self-insure instead of buying a large policy?
That is a personal risk decision this calculator does not make for you — it only quantifies what a given sum insured is likely to cover at different ages, and what a self-funded gap could cost if the policy falls short. Compare the premium corpus this tool estimates against the size of the gap it flags before deciding.