Base it on your city's costs
Private hospital bills in metros can run into several lakh for a single serious illness. A common starting point is ₹10 lakh or more per adult in a metro, less in smaller towns — but it depends on your family and hospitals you'd use.
Not sure how this applies to you? A free call with Vijay Singh Rana sorts it out in minutes.
Use a base plan plus a top-up
Instead of buying one very large (and expensive) policy, many families take a base plan of a few lakh plus a super top-up that kicks in above a threshold. It's a cost-effective way to reach high cover.
Review as life changes
A new baby, ageing parents, or a move to a costlier city all change your needs. Review every couple of years with an advisor.
Get personal guidance, free
Vijay Singh Rana — HDFC Financial Advisor · IRDAI & AMFI Registered
Frequently asked questions
Is 5 lakh enough?
In a metro it's often on the low side for a family today. A top-up can raise cover affordably — an advisor can size it.
Does a bigger sum insured cost a lot more?
Not always proportionally, and top-ups are cheap. The advisor helps you find the sweet spot.