📋 Why Rs 5 lakh is NOT enough in 2026: A single cardiac procedure in a private Mumbai hospital costs Rs 6-12 lakh. ICU admission for 5 days = Rs 3-5 lakh. Cancer treatment = Rs 10-25 lakh. Even a normal c-section delivery in a good Mumbai hospital costs Rs 1.5-2.5 lakh. Rs 5 lakh cover is exhausted in ONE serious medical event.
| City Type | Individual | Family of 3 | Family of 4+ |
|---|---|---|---|
| Mumbai, Delhi, Bangalore | Rs 15-25L | Rs 25-30L | Rs 30-50L |
| Pune, Hyderabad, Chennai | Rs 10-15L | Rs 15-25L | Rs 25-35L |
| Tier 2 cities | Rs 7-10L | Rs 10-15L | Rs 15-25L |
| Small towns | Rs 5-7L | Rs 7-10L | Rs 10-15L |
| Senior citizens (any city) | Rs 15-25L | Rs 25L+ | Rs 30L+ |
💡 The Rs 5L base + super top-up strategy: Buy Rs 5L base plan (Rs 7,000-10,000/year) + Rs 20L super top-up with Rs 5L deductible (Rs 4,000-6,000/year). Total premium = Rs 11,000-16,000 vs Rs 25,000-35,000 for direct Rs 25L plan. Same Rs 25L cover at 40-50% lower premium!
Disclaimer: Medical costs and premium ranges are indicative as of 2026. Actual costs vary by hospital, treatment and insurer.