How it works: This estimator uses a simple transparent heuristic: a base monthly rate per PKR 100,000 of cover that rises with age (450 under 25, 600 at 25–34, 850 at 35–44, 1,300 at 45–54, 2,000 at 55+), multiplied by your deductible factor (higher deductible = lower premium) and a family factor of 0.75 for each extra person-equivalent. Real premiums depend on medical history, hospital network, riders and insurer pricing — always compare actual quotes.