Insurpedia / Tools / Deductible Calculator
Deductible Calculator
Enter a claim amount, your deductible, your coverage limit, and (if your plan uses one) a health-plan cost-sharing percentage, and this tool does the arithmetic for a hypothetical example: what you’d pay and what the insurer would pay if the claim were covered. It’s a fixed calculation, not AI, it doesn’t read your policy, and nothing you enter is saved or sent anywhere.
Your numbers
This field is for health-plan coinsurance: a split of costs after your deductible (like paying 20% while the plan covers 80%). Property insurance uses the word “coinsurance” for something different, a requirement to insure a home for a minimum share of its rebuild cost; see how dwelling coverage works. For auto or home claims, leave this blank.
Worked example with your numbers
Enter your claim amount, deductible, and coverage limit above to see the breakdown.
Educational information, not advice: This calculator applies a fixed formula to the numbers you enter; it doesn’t know your actual policy and isn’t a substitute for reading your declarations page or asking your insurer directly. Real policies can apply deductibles and coinsurance differently (per claim, per occurrence, or per benefit period), and some coverages don’t use coinsurance at all. Insurpedia does not sell insurance and does not recommend specific insurers.