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Health Insurance Sum-Insured
Hospitalisation costs in metros routinely cross ₹5–10 lakh. Tier-1: ₹10–20L individual; Tier-2: ₹5–10L; Tier-3: ₹3–7L. Family floater: 1.5–2× individual cover.
Tier 1: metros (Mumbai, Delhi, Bangalore...). Tier 2: state capitals. Tier 3: smaller towns.
Tip: ₹10L base + ₹15L super-top-up is often cheaper than ₹25L base — same effective cover.
FAQ
Family floater or individual policies?
Floater is cheaper for healthy young families. Individual makes sense for elderly (premiums rise sharply with age). Many split — floater for self+spouse+kids, separate cover for parents.
What is super top-up vs top-up?
Both kick in above a deductible. Top-up resets per claim. Super top-up is annual aggregate — once you cross the deductible in total claims, it covers everything else. Always pick super top-up.
Are pre-existing diseases covered?
After 2-4 year waiting period (varies by insurer). Disclose them honestly — non-disclosure = claim denial. Look for "day-1 PED cover" plans if you have pre-existing conditions.