Would you be Comfortable to pay ?12 lakh out of pocket during a medical emergency?

Amit Khanna, a responsible professional, believed his ?7 lakh health insurance was sufficient. He paid an annual premium of just ?7,200, thinking he was well covered.

However, when he was hospitalized for 6 days due to an unexpected cardiac arrest, his total medical bill came to ?12,45,600. His insurer covered only ?7 lakh.

This meant that Amit had to pay over ?5.45 lakh from his own pocket—a significant financial burden at a time of distress.

A medical emergency can strike anytime, and the last thing you need is financial stress during a crisis. This is why choosing adequate health insurance coverage is critical.

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? Your sum insured should be at least 50% of your annual income.

? Senior citizens require higher coverage, as they are more prone to serious conditions like heart disease, kidney failure, and strokes.

? Experts recommend a minimum ?15 lakh cover per member, depending on the city and medical inflation. You can also enhance your coverage to ?1 crore by paying approximately ?2,500 more per year.

Health insurance isn’t just about covering hospital bills—it’s about protecting your financial future.

?? Have questions about choosing the right sum insured? Connect Now! https://www.dhirubhai.net/in/william-alexander-36b4074a/