PLAN FOR YOUR HEALTH · MUMBAI, INDIA
How much should you keep aside?
A health investment calculator for a couple, from your age today until 90.
Your health budget
All amounts for twoWhole years, 18–89. Both partners are assumed to be this age.
Combined monthly spending, including physiotherapy if needed.
Extra disease-related costs for either partner. Added to the fixed ₹4,000 monthly base.
After tax and investment costs. An assumption, not a promised return.
Your entries stay in this page. No diagnosis or contact details needed.
INVESTMENT NEEDED TODAY
₹3,72,50,058 for the couple
Includes rising premiums, routine health expenses, two medical contingencies and paid care. Principal is spent down by age 90.
What the investment funds
- Insurance premiums
- ₹70.36 lakh
- Base medicines, consultations & tests
- ₹72.14 lakh
- Additional medicines
- ₹0.00 lakh
- Exercise support
- ₹77.17 lakh
- Expenses beyond insurance
- ₹97.32 lakh
- Paid care
- ₹55.50 lakh
Amounts are investments needed today, not the sum of future bills. Routine spending starts at ₹42,000 a month.
THE PREMIUM EFFECT
Small increases compound.
If premiums rise 10% each year, your couple’s annual premium becomes:
Already included above. This is a scenario, not an insurer’s quote or a guaranteed annual increase.
See the assumptions behind your number
Current prices, future increases
Enter what you pay today. The age field changes the number of years, not the starting prices. Defaults are illustrative allowances for an upper-middle-class Mumbai couple, not age-specific quotations. Both partners are assumed to be the same age and live to 90.
- Base medicines: ₹48,000 per year for the couple, fixed in the starting budget. Your additional medicines are added on top.
- Consultations and appropriate tests: ₹50,000 per year. Dental and vision: ₹46,000 per year.
- Medicines (base and additional), consultations, tests, dental and vision rise 9% annually. Exercise support rises 6%; premiums rise 10%.
- Two expenses beyond insurance: ₹25 lakh each in today’s money, rising 9% until ages 75 and 85. If you have reached either age, that reserve is set aside immediately. Both reserves are always included.
- Paid care: ₹40,000 per person per month in today’s money, rising 8% until ages 87–89. If you are already 88 or 89, only the years remaining to 90 are included. Longer dependence or qualified nursing can cost substantially more.
How we calculate
Each future annual cost is inflated, then discounted by your post-tax return. We add those present values. Payments begin today and continue through age 89. There is no income offset, inheritance target or guarantee of investment returns. A lower return, more expensive care or living beyond 90 can require more.
Premiums must be replaced with your actual quote. A zero premium means no premium outlay; this calculator does not estimate the larger hospital bills you may face without insurance. Keep reviewing cover adequacy as medical prices rise.
Today’s investment = Σ future annual expense ÷ (1 + net return)years from today
Ayushman Vay Vandana: a possible fallback
Under current rules, those 70 and above are eligible regardless of income, including people with private insurance. For a previously uncovered household, cover is up to ₹5 lakh per year on a family basis, for covered treatments at empanelled hospitals. Check the packages and participating Mumbai hospitals. No savings from the scheme are deducted here.
Sources and limits
Based on Bhavin Jankharia’s Atmasvasth health-budget framework, updated September 2026. The default age-60 result is ₹3.73 crore; the article’s rounded planning figure is approximately ₹4 crore. The calculator displays the calculation without adding an automatic safety margin.
- The original 2021 health budget
- Aon: 11.5% employee medical-plan trend forecast for 2026
- Samarth: indicative Mumbai attendant and nursing prices
- Finance Ministry: senior premium revision rules
Short-term medical trends do not predict thirty years of personal costs. This is an educational planning estimate, not an insurer’s quote, treatment recommendation or individualized investment advice.