In today's time, a health insurance cover of Rs 10 lakh is generally considered sufficient, but rapidly rising medical inflation may prove it to be inadequate. According to reports, healthcare expenditure in India is increasing at the rate of about 12-13% every year. In such a situation, treatment of serious diseases in big cities can cost more than Rs 10 lakh.
Experts believe that a cover of Rs 10 lakh should now be considered as a starting level (base) and not the ultimate protection. Especially in metro cities, heart surgery, cancer or ICU expenses can easily exceed this limit. That's why people are now advising to take super top-up along with the base policy.
Health insurance protects your savings from being wiped out in case of a medical emergency. It covers hospital expenses, treatment, investigations and in many cases even home treatment. Besides, facilities like cashless treatment and health checkup are also available.
If you do not have adequate insurance, the cost of a general surgery or a few days in the ICU can reach lakhs of rupees. In such a situation, people may have to break their savings, sell property or take a loan.
Before taking the policy, it is important to consult a doctor and insurance expert. Overall, a health cover of Rs 10 lakh in 2026 may be enough, but it would be wise to increase it or add a top-up for better protection.
