I think there is flaw in the tool. It's not taking into account in
- which city you are living?
- what are your earnings?
- Also in the e.g. pics above has no liability mentioned?

So details needs to be corrected.

As a rough figure 5-10 Lacs Sum Insured for health insurance is required for an individual living in metro city.
Personal Accident 6 times of annual salary.
Critical Illness - check you family history and then buy it accordingly.