Why Health Insurance is Essential
Medical costs are rising 10-15% annually. A single hospitalisation can cost many times a month’s income. Health insurance protects your savings from being wiped out by medical emergencies.
Recommended Coverage
| Age Group | Metro City | Non-Metro |
|---|---|---|
| 25-35 years | 10-1,500,000 | 5-1,000,000 |
| 35-45 years | 15-2,500,000 | 10-1,500,000 |
| 45+ years | 25-5,000,000 | 15-2,500,000 |
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Pro Tip
Consider a base plan + super top-up combination. A 500,000 base with 2,500,000 super top-up gives 3,000,000 effective cover at much lower cost than a straight 3,000,000 policy.
Key Features to Compare
- Room Rent Limit: Prefer no sub-limits
- Co-payment: Lower or zero is better
- Pre-existing Waiting: 2 years is better than 4
- Restoration: Automatic full restoration preferred
- Network Hospitals: More is better for cashless
- Day Care Procedures: Cover all modern treatments