The sum insured you bought a few years ago was sized for prices from a few years ago. Private medical costs in India have been compounding at roughly 12–14% a year — this tool projects what your cover needs to be today to keep up, and shows the gap against what you actually hold.
Step 1
Cost of a major treatment today
Prefilled by city tier — edit freely if you have a better estimate for your family's likely treatment needs.
Step 2
Assumptions
Default 12% reflects 2025–26 industry surveys (Aon, WTW) of private treatment costs — well above official CPI health inflation, which mostly tracks regulated and basic items.
Larger families sharing one sum insured get a planning buffer added below, for the (rare but real) risk of overlapping claims.
Step 3
What you have today
Your Cover Gap
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fill in the fields above and hit Calculate
Recommended cover
₹0
Your current cover
₹0
Treatment cost today
₹0
Family floater buffer
+0%
| Year | Projected treatment cost |
|---|
Why your old sum insured quietly stops being enough
Medical inflation runs 3–4× general inflation
Everyday inflation has been sitting around 3–5% in recent years, so a ₹5 lakh cover from a few years ago doesn't feel obviously wrong. But private hospital costs have compounded closer to 12–14% annually — nearly triple the general rate — because they're driven by hospital tariffs, specialist fees, and imported medical technology, not the basket of goods CPI tracks. The gap compounds quietly until a real claim exposes it.
A floater isn't automatically "enough" for a family
A family floater pools one sum insured across everyone on the policy. That's efficient most years, since it's unlikely everyone falls ill together. But it also means one large claim — a surgery, a long ICU stay — can exhaust the whole pool for the rest of the year, leaving other family members effectively uninsured until renewal.
Employer cover is a bridge, not a foundation
Group health cover from your employer is valuable, but it usually ends the day you resign, get laid off, or retire — often at the exact life stage when you're hardest to newly insure. Treat it as a supplement on top of a personal policy you control, not a replacement for one.