Question 1

How is the health cover gap calculated?

Accepted Answer

We estimate your recommended sum insured using age, family size, and city (the same logic as our standalone Health Coverage Calculator), then subtract your existing health insurance cover to show the shortfall.

Question 2

What should I count as "existing health cover"?

Accepted Answer

Include your individual or family floater sum insured, plus any employer-provided group health cover — but remember employer cover typically ends when you leave the job, so it shouldn't be your only source of health protection long-term.

Question 3

Should I buy a top-up plan to close the gap?

Accepted Answer

A super top-up policy is often a cost-effective way to add coverage beyond a base policy, since top-up premiums are typically much lower than an equivalent increase in base sum insured — worth comparing both options.

Question 4

Does having zero gap mean I don't need to review my policy?

Accepted Answer

No — even with adequate sum insured, it's still worth checking waiting periods, room rent limits, co-payment clauses, and the hospital network, since a policy can have enough coverage on paper but still leave you underprotected on the fine print.

Health Cover Gap Calculator

One hospitalisation could expose this gap

What is a Health Cover Gap Calculator?

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