India · Health Costs

What Does Healthcare Actually Cost in India?

Four free calculators, each anchored to a real government rate or regulation — not a guess. See hospital bed-day costs, lab and scan prices, chronic-disease medicine costs, and whether your health insurance cover is actually enough.

📄 Every number sourced 📅 Last-verified dates shown 🔒 100% private — nothing saved
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Hospitalization Cost Calculator
Pick a procedure or ward type and length of stay to see the official PM-JAY (Ayushman Bharat) bed-day rate.
📄 PM-JAY rates →
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Lab & Scan Test Cost Calculator
Compare what you were quoted for blood tests, X-rays, ultrasound, MRI or CT against the official CGHS reference rate.
📄 CGHS rates →
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Chronic Disease Cost Calculator
Diabetes, blood pressure, cholesterol, or thyroid — see the monthly generic medicine cost at the statutory NPPA ceiling price, plus routine lab monitoring.
📄 NPPA ceiling prices →
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Health Insurance Adequacy Calculator
Compare your current sum insured against a recommended range for your household and city, plus the IRDAI-mandated reference floor.
📄 IRDAI guidelines →
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Want everyday money tools instead?
The India Hub has the true loan interest rate calculator, cab-driver take-home pay, MGNREGA wage check, and more.
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Living outside India, supporting family back home?
The NRI Hub covers remittance cost comparison, DTAA, and NRE/NRO accounts for the Indian diaspora.
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Frequently asked questions
Where do these numbers come from?
Each calculator cites its own official source — PM-JAY (Ayushman Bharat) ward-wise bed-day rates for hospitalisation, CGHS reference rates for lab and scan tests, NPPA's statutory ceiling prices for chronic-disease medicines, and IRDAI's Arogya Sanjeevani guidelines for insurance. Every page shows the exact circular or notification and a last-verified date.
Is this medical advice?
No. These are cost reference tools, not medical or billing advice. They help you sanity-check a quote or plan ahead financially — always confirm actual pricing with your hospital, lab, pharmacist, or insurer.
Why isn't there a doctor consultation fee calculator?
Consultation fees aren't government-regulated in India the way medicine, lab, and hospital-bed prices are — they vary hugely by doctor, specialty, and city with no single official reference rate, so we've focused this pillar on the costs that do have a verifiable government benchmark.