Is Your Health Insurance Actually Enough?
Medical costs are rising 14% every year. Most people are underinsured and don't know it.
14% Medical Inflation — Every Year
A surgery costing ₹5 lakh today will cost ₹20 lakh by 2036. That's faster than almost any other expense in your life.
Your Office Cover Won't Be Enough
Most employer policies cover ₹2–5 lakh. A serious illness in a metro hospital can cost ₹10–15 lakh or more and your cover ends when your job does.
The Fine Print That Costs You Most
A room rent cap means a ₹5L policy only covers ₹5,000/night. Choose a ₹8,000 room and you pay the gap plus cuts on your whole bill.
How Much Cover Do You Need?
Tier-2 city → Min ₹10 lakh, Metro city → Min ₹25 lakh, Family floater → ₹15–25 lakh, Review your cover every 3–5 years as medical costs rise.
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