- Drain your savings.
- Force you into high-interest debt.
- Make you compromise on the quality of care.
Health insurance ensures your family gets quality treatment without financial stress.
- Financial Protection: Covers hospitalisation, surgeries, and medicines.
- Cashless Treatment: Access a wide hospital network without paying upfront.
- Family Security: Family floater policies protect spouse, children, and parents under one plan.
- Tax Savings: Premiums qualify for deductions under Section 80D.
- Peace of Mind: You can focus on recovery instead of worrying about bills.
- ₹10–15 lakh coverage is a good baseline for a family in metro cities.
- ₹25–50 lakh with a super top-up plan is recommended for long-term protection.
Example: A heart surgery in a metro hospital can cost ₹5–8 lakh. A critical illness like cancer can exceed ₹20 lakh over the course of treatment.
- Individual Health Plans – Coverage for one person.
- Family Floater Plans – Single policy covering the whole family.
- Critical Illness Insurance – Lumpsum payout for diseases like cancer, heart attack, or kidney failure.
- Accident Insurance – Protects against disability or death due to accidents.
- Super Top-Up Plans – Affordable way to increase total coverage.
- Lower Premiums: A 30-year-old pays around ₹15,000 annually for a ₹20 lakh policy, while a 40-year-old may pay nearly double.
- Fewer Exclusions: Buying early ensures pre-existing diseases are covered after the waiting period.
- Coverage Bonus: Many insurers increase coverage each claim-free year, rewarding early buyers.
- Buying minimum coverage just to save premium.
- Ignoring waiting periods for pre-existing conditions.
- Not checking room rent or sub-limits.
- Forgetting to increase coverage as family needs grow.
Secure Your Family’s Health Today
Medical emergencies come without warning — but you can be prepared. We help families choose the right plan based on coverage, cost, and benefits, so you never have to compromise on healthcare.
- IRDAI & NITI Aayog reports on health insurance (2024)
- ICICI Lombard & MediAssist healthcare inflation insights