Is ₹5 Lakh health insurance enough?

In 2026, ₹5 Lakh is considered the bare minimum for an individual in a small town. For families in metros, it is dangerously low given that room rents and specialized treatments have spiked 30-50% post-pandemic.

What is a Super Top-up policy?

A Super Top-up is a cost-effective plan that covers total hospital bills exceeding a 'deductible' (your base policy limit). It is 60-80% cheaper than increasing your base cover sum assured.

How does medical inflation affect health plans?

Medical inflation in India is ~14%, double the general inflation. This means treatment costs double every 5-6 years, requiring you to periodically upgrade your cover or add top-ups.

Health Insurance Adequacy Calculator

Check if your current health cover is enough for your family size and city-specific medical inflation.

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Quick Summary: Health Insurance Adequacy Calculator

With medical inflation at 14% in FY 2026-27, a family of four in a metro city needs at least ₹15L-₹25L base cover. Use our adequacy tool to check if your current plan can handle a 20-day hospitalization or a major surgery in 2026.

Related Calculators

Health Insurance Inflation Planner

Super Top-up Health Insurance Calculator

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.