Tool

Insurance Coverage Calculator

Illustrate how selected limits could affect an assumed claim. This is not a claim prediction: actual admissibility, exclusions and deductions depend on your policy wording and claim facts.

Policy details

Sum insured₹10.0L

Assumed admissible claim before these limits₹5.0L

Co-pay (%)20%

Room rent cap (₹/day)₹8,000

Chosen room rent (₹/day)₹12,000

Disease sub-limit (% of SI)50%

Illustrate a proportionate room-rent deduction (only if my policy wording applies it)

Illustrative payout on the entered claim

₹5.0L

Claimed

→

₹2.7L

47% not represented in this illustrative payout

53% paid

47% lost

Illustrative limits applied (order simplified)

Claim amount₹5.0L

Above entered sum insured-₹0

Room-rent proportional adjustment-₹1.7L

Disease sub-limit cap (if applicable)-₹0

Co-pay (20%)-₹66,667

Insurer pays₹2.7L

You pay from pocket₹2.3L

This claim illustration does not change your policy limit

The illustrated payout is 53% of the entered claim; the unpaid amount includes any excess over the sum insured. The model applies the entered limits in the displayed order and assumes all remaining expenses share the room-rent deduction. Actual policies can apply a different order or exempt particular items. Waiting periods, exclusions and restoration are not modelled.

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