Insurance Premium Calculators
Estimate the premium for every policy — life, health and motor — before you buy.
Updated June 2026 · Free · No sign-up
An insurance premium is the price you pay an insurer to carry a risk on your behalf — and it is set by your age, the cover (sum assured), the term, and risk factors specific to what is being insured. These calculators give you a realistic premium estimate for each major policy type in India before you approach an insurer, so you can budget and compare without sharing personal details.
Use the term and health tools to plan your protection cover, the motor tools (car, bike, IDV) for vehicle insurance and claim value, and travel insurance for trips abroad. The human life value calculator sizes how much life cover you actually need, while the ULIP calculator separates the investment portion from the insurance cost.
All Insurance Premium Calculators
Term Insurance Premium Calculator
Estimate annual term insurance premium based on age, gender, smoker status, sum assured, and policy term. Shows representative rates from LIC / HDFC Life / ICICI Pru / Tata AIA / Max Life so you can budget before getting actual quotes.
Health Insurance Premium Calculator
Estimate annual mediclaim premium for individual, family floater, and senior citizen policies. Age-band loading, city tier, sum insured, and parental coverage all factored. Shows indicative premiums across Star / HDFC ERGO / Niva Bupa / Care.
Car Insurance Premium Calculator
Estimate annual car insurance premium combining IRDAI-fixed third-party (TP) liability premium + Own Damage premium (% of IDV) + add-ons (zero dep, engine protect, roadside) + 18% GST. Applies No Claim Bonus discount.
Bike Insurance Premium Calculator
Estimate annual bike / scooter / two-wheeler insurance premium combining IRDAI-fixed third-party (TP) liability premium + Own Damage premium (% of IDV) + add-ons (zero dep, engine protect, roadside assistance) + 18% GST. Applies No Claim Bonus discount.
Travel Insurance Premium Calculator
Estimate travel insurance premium based on destination region (Asia / Europe / Worldwide-excl-US / Worldwide-incl-US), trip duration, traveller age, and coverage tier ($50K / $100K / $250K / $500K). Indicative rates from Bajaj Allianz / Tata AIG / ICICI Lombard / HDFC ERGO.
Human Life Value (HLV) Calculator
Calculate the ideal term insurance cover you need using two methods: income-replacement (PV of future earnings) and needs-based (outstanding loans + children's education + spouse retirement corpus minus existing assets).
IDV (Car Insurance) Calculator
Calculate Insured Declared Value (IDV) for car insurance using the IRDAI-mandated depreciation grid. IDV is the maximum claim the insurer will pay in case of total loss / theft — and determines your Own Damage premium.
ULIP Returns Calculator
Calculate net returns on Unit Linked Insurance Plan (ULIP) after deducting Premium Allocation Charges, Mortality Charges, Fund Management Charges (FMC), and Policy Administration Charges. Compares ULIP IRR vs equivalent SIP in a mutual fund.
Frequently asked questions
How is an insurance premium calculated?
Premiums are priced on risk. Life and health cover scale with your age, sum assured and term (older or higher-risk lives pay more). Motor premiums combine a damage component based on the vehicle's IDV with a regulated third-party rate, adjusted for no-claim bonus and add-ons.
What is IDV in car insurance?
Insured Declared Value is the maximum your insurer pays if the car is stolen or totalled. It equals the manufacturer's listed price minus a fixed depreciation for the vehicle's age — so IDV falls every year. A higher IDV means a higher premium but a larger claim payout.
How much term life cover do I need?
A common rule is 10-15× your annual income, but the human-life-value method is more precise: it sizes cover to replace your future income and clear liabilities so your dependents are financially whole. Use the HLV calculator to get a figure tailored to your situation.
What is a No-Claim Bonus (NCB)?
NCB is a discount on your motor own-damage premium for every claim-free year, rising in steps from 20% up to 50% after five consecutive years. It attaches to you, not the car, so you keep it when you change vehicles — but a single claim resets it to zero.
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