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National Health Insurance Premium Calculator

Health insurance premiums can be defined as the sum that you have to pay periodically to the insurer so that you can avail of medical coverage for a particular time period. The health insurance premium calculator lets you calculate this premium amount on the basis of your insurance requirements. Once you purchase a policy after paying the calculated premium, the insurer is liable to pay for the hospitalisation expenses and medical bills at the time of medical emergency in case you get diagnosed with any illness or disease that your policy covers.

How to Calculate the Premium of National Insurance Policies Online?

You can calculate your health insurance premium for health insurance policies by National Insurance Company online by visiting the company’s website or from the official website of InsuranceDekho, i.e. A premium calculator is an efficient tool that lets the customers get an estimate of the premium of the health insurance company policy they are planning to buy and be prepared for this expense in advance. To get the estimate on the premium calculator, you are required to fill in certain details about yourself, your health, etc. These are mentioned below-

  • Age
  • Policy term
  • Medical history
  • Coverage details
  • Desired sum insured
  • Type of policy you wish to buy

Calculating premiums online saves you from complicated calculations. This way, you can even adjust the calculated premium.

Why Calculate Health Insurance Premium Online?

It is certain that you should calculate the health insurance premium online before purchasing a policy, know why-

  • To ensure what you are going to pay periodically for your policy
  • To uncover the expected costs of buying health insurance policies
  • ​To understand the broad coverage that you have chosen at affordable prices
  • To compare several health insurance policies online to choose the best one online
  • To change some information in the input details and calculate the best premium prices

Why Choose National Insurance?

The National Insurance Company is one of the oldest companies in the country and is appreciated by a huge number of Indians for its service. The health insurance plans offered by NIC serve you with numerous benefits at the time of medical emergencies making it a preferred choice for all.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members
Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

National Health Insurance Top Up List

    Name of PlanSum Insured
    National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years Check Premium

    Health Insurance News


    • How is the premium calculated for National Insurance health insurance policies?

      The premium for National Insurance health insurance policies is calculated majorly on the basis of insured person(s) age, pre-existing diseases, current health condition, the sum insured opted, policy term, and gender.

    • Does the company offer any discount on health insurance premium if the policy is purchased by youth?

      Yes. A discount of 10% is allowed on the premium for eligible members if either or both are aged between 18 years to 25 years. 

    • What is the starting premium amount for National Insurance health insurance policies?

      The premiums for National Insurance health insurance policies starts at Rs. 2,469* per annum. *The premium amount is subject to change from time-to-time. 

    • Do I get any discount on premium if I buy health insurance for the family from National Insurance?

      Yes. The company offers a discount of 10% on the premium for eligible family members if the policy is purchased for the family. 

    • How should I pay the premium for National Insurance policy to avail tax benefit?

      You can pay premium for National Insurance policy in any mode other than cash to avail tax benefit.

    • How to calculate premiums of health insurance plans for parents offered by National Insurance?

      To calculate the premium for parents under health insurance plans offered by National Insurance, several factors are taken into consideration. These include age, members covered under the policy, the sum insured, add-ons, policy term, etc. To get an estimate of the health insurance premium for a particular insurance policy, you must use the online premium calculator on the website of InsuranceDekho.

    • What are the benefits of the National Insurance premium calculator?

      Following are the benefits of using National Insurance premium calculator:

      • It tells you about the premium you will be required to pay periodically for a particular health insurance plan
      • It allows you to compare several health insurance plans
      • It lets you alter the coverage benefits and see the premium amount change 
      • It saves you from complex calculations of health insurance premiums.
    • What are the factors that affect the health insurance premium of National Insurance plans?

      There are several factors that affect the premium of National Insurance plans. These are as follows:

      • Age
      • Policy term
      • Medical history
      • Coverage details 
      • Desired sum insured
      • Lifestyle (smoking or drinking habits, etc.)
      • Body Mass Index (BMI)
      • Geographical location
      • Type of policy you wish to buy.
    • Do I have to pay GST on premiums paid for National Insurance plans?

      Yes. You are required to pay GST at the rate of 18%, for the premiums paid for National Insurance plans. Earlier, the service tax on insurance was levied at 15%. It included Basic Service Tax of 14%, Swachh Bharat Cess of 0.5% and Krishi Kalyan Cess of 0.5%.

    • How to lower premiums for National Insurance plans?

      To lower premiums for National Insurance plans, you can follow the simple tips given below:

      • Buy health insurance policy at an early age to save on health insurance premium
      • Choose the deductibles wisely
      • Opt for health insurance plans that have a co-payment clause 
      • Select long term health insurance plans
      • Choose top-up health insurance plans for extensive coverage as they come at affordable premiums
      • Prefer buying family floater health insurance plans instead of individual health insurance plans.

    User Reviews

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      InsuranceDekho’s customer care executives advised me to buy the National Health Insurance Policy. I liked the policy benefits so I bought the National Health Insurance policy instantly online via a secured payment gateway. It was Affordable health insurance as per my needs. I am delighted to have bought it.

      By Tanuj Raghav
      On: Apr 02, 2024
    • Several Plans To Choose From

      InsuranceDekho has a huge variety of health insurance plans for everyone as per of their needs. I bought the National Health Insurance Policy at the InsuranceDekho portal and the Customer support team helped me understand all the policy benefits. I had a few doubts about the insurance plans which also they solved politely. Thank You All!

      By Pankaj Pal
      On: Mar 21, 2024
    • Anytime Support Facility

      I loved purchasing the National Health Insurance Plan from the online platform InsuranceDekho. I had a great time with the customer care executives of Insurancedekho company. Thank you to the insurance expert advisors for suggesting to me the National Health Insurance Plan.

      By Nagesh Yadav
      On: Mar 08, 2024
    • Digital Documentation

      I had a marvelous experience with InsuranceDekho. My purchase of National Health Insurance Plans was so convenient and easy. I am amazed at buying a national health insurance policy through online mode. It was so easy to compare the health insurance policies, do all the paperwork, and get protected with the health insurance. All the paperwork was done digitally without any problem. Thank You!

      By Manisha Sharma
      On: Feb 27, 2024
    • Digital Paperwork

      My purchase of the National Health Insurance Plan was very smooth. I bought this Health insurance policy from Insurancedekho’s online platform. What I liked the most was that I didn’t have to go anywhere and provide any hard copy documents all processes were online and secured. Thank you InsuranceDekho!

      By Parneet Kumar
      On: Feb 15, 2024