How Much Health Insurance Cover Is Enough? Expert Shares The Ideal Sum Insured For Every Family

Choosing the right health insurance cover depends on your age, family size, and city of residence. Vishwanath Mahendra, ED & CFO, Niva Bupa, says younger individuals in tier-2 and tier-3 cities should consider at least ₹10–15 lakh coverage, while families living in metros like Delhi, Mumbai, or Bengaluru should aim for a minimum of ₹50 lakh. He also highlights that rising medical inflation can push treatment costs beyond standard policy limits, especially for critical illnesses and organ transplants. Unlimited sum insured plans can offer additional financial protection while keeping premiums affordable through room-category options.