Health Insurance Cover Adequacy
Find out if your current health insurance cover is adequate. Accounts for medical inflation, city hospital costs, and your family size to give a target sum insured.
Health Insurance Adequacy Calculator
Is your health cover enough? Compare against medical inflation and city costs
Medical inflation estimates based on industry data. Actual costs vary by hospital, treatment, and city. Super top-up plans can bridge large cover gaps cost-effectively.
Medical inflation in India runs at 14% per year — far above general inflation. A procedure costing Rs 3 lakh today will cost Rs 11 lakh in 10 years. If your current health cover is Rs 5 lakh and you plan to retire in 15 years, your effective cover in retirement terms is only Rs 89,000 in today's money. Super top-up plans are the most cost-effective way to bridge this gap.
Health Insurance Adequacy — Is Rs 5 Lakh Enough?
With medical inflation at 14% per year in India, a Rs 5 lakh health cover today is effectively worth only Rs 1.3 lakh in 10 years in real purchasing power. Metro hospital room charges alone can exceed Rs 10,000–20,000 per day in ICUs. This calculator compares your current cover against actual costs in your city to tell you whether you are adequately protected — and by how much you need to top up.