Medical Inflation: Why a ₹5 Lakh Policy is Useless

The "Corporate Cover" Trap

Meet Arjun. He works at an MNC. He has a ₹5 Lakh Health Insurance policy provided by his company. He thinks: "Mai safe hu. Why waste money buying personal insurance?"

Arjun is driving a car at 100kmph without a seatbelt.

Current Medical Inflation in India is 14%. This means medical costs double every 5-6 years.

The 10-Year View

Let's assume you need a major Heart Surgery in 2035.

• •Cost Today (2025): ₹5,00,000
• •Cost in 2030 (5 years): ₹10,00,000
• •Cost in 2035 (10 years): ₹20,00,000

Your puny ₹5 Lakh policy will cover 25% of the bill. Where will the remaining ₹15 Lakhs come from? Your Savings. Your Investments. Your Kids' Education Fund.

Chapter 1: Why is Medical Inflation so high?

General inflation (milk, bread) is 6%. Why is Medical Inflation 14%?

1. •Technology: New robotic surgeries are better but expensive.
2. •Dollar Rate: Most high-end medical equipment is imported. As ₹ weakens, tests get costlier.
3. •Real Estate: Hospitals generally sit on prime land. High rent = High room charges.

Chapter 2: The "Corporate" Lie

Relying on company insurance is dangerous for 3 reasons:

1. •Job Loss: If you get fired (or resign), your cover vanishes INSTANTLY.
2. •Retirement: When you retire at 60, getting a new policy is almost impossible (and wildly expensive) because you will have "Pre-existing diseases" (BP, Sugar).
3. •Co-Pay Clauses: Company policies often have "Co-pay" where YOU have to pay 20-30% of the bill.

Chapter 3: The Solution (Super Top-up)

You don't need to buy a growing Base Policy (expensive). You need a Base + Super Top-up Combo.

• •Step 1: Buy a Base Policy of ₹5 Lakhs or ₹10 Lakhs. (Premium: High)
• •Step 2: Buy a Super Top-up of ₹90 Lakhs. (Premium: Dirt Cheap)

Why is Top-up cheap? Because it has a "Deductible". It only kicks in after your Base Policy is exhausted. Since the probability of a claim crossing ₹10 Lakhs is low, the insurers charge very less.

The Math of Coverage:

• •Base: ₹10 Lakhs
• •Super Top-up: ₹90 Lakhs
• •Total Cover: ₹1 Crore
• •Total Cost: Approx ₹15k - ₹20k per year (for a 30-year-old).

Conclusion

A single hospital bill can wipe out 10 years of savings. We call this "Medical Poverty". Don't let a heart attack give you a financial heart attack. Upgrade to ₹50L+ cover today.