How much health cover does your family need?

Hospital costs vary sharply by city tier. In a metro, a family floater of ₹10–25 lakh is a sensible base; smaller cities can start lower.

A super top-up is a cost-effective way to add a large cushion above a deductible — often far cheaper than buying the same cover as a base policy.

Disclose pre-existing conditions honestly to avoid claim trouble later. An advisor helps size cover and explains waiting periods before you buy.