Why Health Insurance is Essential
Medical costs are rising 10-15% annually. A single hospitalization can cost lakhs. Health insurance protects your savings from being wiped out by medical emergencies.
Recommended Coverage
| Age Group | Metro City | Non-Metro |
|---|---|---|
| 25-35 years | ₹10-15 Lakhs | ₹5-10 Lakhs |
| 35-45 years | ₹15-25 Lakhs | ₹10-15 Lakhs |
| 45+ years | ₹25-50 Lakhs | ₹15-25 Lakhs |
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Pro Tip
Consider a base plan + super top-up combination. A ₹5 lakh base with ₹25 lakh super top-up gives ₹30 lakh effective cover at much lower cost than a straight ₹30 lakh 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