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Health insurance cover

10,00,000₹
18,000₹
20,00,000₹
10,00,000₹
6,000₹
10,000₹
0%
8,00,000₹
8,000₹
5days
0₹
0₹
8%
10years
30%
Remaining bill in this scenario₹0.00
Annual premiums entered₹24,000.00
Bill after 10 years at an assumed 8% rise₹17,27,140.00

Entered bill allocation

How this bill is allocated

StepAmount
Hospital bill entered₹8,00,000.00
Room-clause reduction₹0.00
Eligible bill after room clause₹8,00,000.00
Co-pay₹0.00
Eligible bill after co-pay₹8,00,000.00
Hypothetical base allocation−₹8,00,000.00
Hypothetical super top-up allocation₹0.00
Eligible expense above modelled cover₹0.00

What-if arithmetic, not a claim decision. Actual eligibility depends on the policy/CIS, waiting periods, exclusions, sub-limits and insurer adjudication. The selected old tax regime and FY not confirmed, insured/parent age choices and 30% marginal-rate assumption are context only: no Section 80D deduction or tax saving is calculated.

The sequence applies the selected room clause, then co-pay, then the base cover; the top-up starts only above the larger of the entered deductible and the base allocation, and actual policy ordering can differ.

Check your policy and Customer Information Sheet against the IRDAI Master Circular on Health Insurance Business (29 May 2024). For tax context, see the Income Tax Department Section 80D. Save PDF and Share PDF remain unavailable pending review.

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