Minimum sum insured for 2026
For a family of 4 in a Tier-2 city, ₹10–15 L base + ₹50 L super top-up is the new normal. Medical inflation in India is running at 12–14% per year.
Red flags to avoid
- Room rent caps below 1% of sum insured
- Disease-wise sub-limits on cataract, knee replacement
- Mandatory co-payment for senior citizens
- Long waiting periods on pre-existing diseases
Restoration & no-claim bonus
Pick a plan with 100% restoration and a no-claim bonus that caps at 100–200% of base sum insured.
