6 min read·Dinesh Singh
Step 1: Start with hospital costs
Average heart bypass in a Tier-1 city is ₹4.5 L; cancer treatment ₹8–25 L; ICU stay ₹50K/day. Your cover should handle one major event without depleting savings.
Step 2: City multiplier
Metro = base. Tier 2 = 0.7×. Tier 3 = 0.5×. Medical inflation runs at 14% — double your cover every 5 years.
Step 3: Family multiplier
Floater for spouse + 2 kids: add 50% on top of single cover. Parents 60+: keep a separate plan.
Step 4: Use a Super Top-Up
Base ₹5 L + Super Top-up ₹20 L (after ₹5 L deductible) costs less than ₹25 L direct cover.
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