Insurance Tools
Deductible Calculator
Alag alag insurance plans ke deductible, premium aur coinsurance compare kar ke sabse sasta plan dhoondein.
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Total Cost by Claim Amount
Har plan ka total annual cost, medical claims ki alag alag amounts par — sasta plan (har row mein) highlight kiya gaya hai.
| Claim Amount |
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Formula kaise kaam karta hai
Total Annual Cost = Premium + min(Deductible + Coinsurance% × (Claims − Deductible), Out-of-Pocket Max)
- Deductible = wo amount jo aapko claims shuru hone se pehle khud apni jeb se dena hota hai
- Coinsurance % = deductible poora hone ke baad, baaqi cost ka wo hissa jo aap khud dete hain (insurer baaqi cover karta hai)
- Out-of-Pocket Max = saal mein aapki total payment ki upper limit, chahe claims kitne bhi hon
- Agar Claims ≤ Deductible: Aap poori claim amount khud dete hain (OOP max tak)
- Agar Claims > Deductible: Aap Deductible + Coinsurance% × baaqi amount dete hain, jo OOP max se zyada nahi ho sakta
Note: Ye estimation simplified model use karta hai; actual policy terms (network rules, exclusions, family vs individual limits) insurer ke documents mein check karein.