Health Insurance
How Much Health Cover is Really Enough in 2025?
2025-10-22 5 min read
A 5 lakh cover that was 'sufficient' a decade ago barely covers a single ICU admission today. Use the rule of thumb: 50% of your annual income or ₹10 Lakh, whichever is higher. For a family floater in a Tier-1 city, ₹25-50 Lakh is the new benchmark. Pair a base policy with a Super Top-Up to optimise premiums.