Health Insurance Cover

How much health cover does your family need?

Anchored to what one serious hospitalization costs in a good private hospital where you live — not a number pulled from the air.

Where would the family get treated?

Adults on the policy

Children on the policy

Eldest adult's age

Cover your employer gives₹5,00,000

Context only — it vanishes with the job, so it never reduces what you should own.

Total protection to own

₹75,00,000

₹25,00,000 base + ₹50,00,000 top-up

Base family floater: ₹25,00,000
Super top-up (starts after ₹25,00,000): ₹50,00,000
One serious hospitalization, your city: ₹12,00,000

Good private-hospital costs
Medical inflation ~13%/yr
Parents need their own policy
Employer cover never counted

A ₹25,00,000 family floater plus a ₹50,00,000 super top-up (deductible ₹25,00,000) covers a catastrophic year for a fraction of what a bigger base costs. Your employer's ₹5,00,000 is a bonus on top — it disappears with the job, so never count it as the base.