Health-Insurance

Your Shield Against Medical InflationThe Medical Emergency Reality in India

Shocking Statistics:

  • Medical inflation in India: 15-20% annually (vs. general inflation of 6-7%)
  • 60% of Indians dip into savings for medical emergencies
  • 40% borrow money for healthcare expenses
  • Medical expenses are the #2 cause of poverty in India (after job loss)

Cost Reality Check:

  • ICU charges in Mumbai: ₹8,000-25,000 per day
  • Heart surgery: ₹3-8 lakhs
  • Cancer treatment: ₹10-50 lakhs
  • Knee replacement: ₹2-5 lakhs
  • Normal delivery in private hospital: ₹50,000-1.5 lakhs

Why Regular Health Insurance Isn't Enough

The Coverage Gap: Most people buy ₹3-5 lakh policies, but serious illnesses easily cross ₹10-20 lakhs. This gap can destroy decades of savings.


The Waiting Period Trap: Many policies have 2-4 year waiting periods for pre-existing conditions, leaving you vulnerable when you need coverage most.

Health-Insurance

How I Help You Get It Right

Comprehensive Needs Analysis: I don't sell you a policy; I calculate your family's actual financia  needs considering:

Outstanding loans and liabilities

Spouse's financial goals

Emergency fund requirements

Children's education costs (projected with inflation)

Family's monthly expenses

Inflation impact over time

Smart Coverage Strategy:

  • Maximum protection at minimum cost during high-responsibility years
  • Flexible plans that adapt as your needs change

  • Tax-efficient structures that save money while building wealth
  • Claims assistance that ensures your family gets every rupee they deserve

My Track Record: In 16 years, not one genuine claim from my clients has been rejected. Your family will get their money when they need it most.