Healthcare inflation in India has been running far ahead of general inflation for several years. Hospital bills for surgeries, maternity care, room rent, critical illnesses and even basic diagnostics have risen sharply, and many people only realise their policy is outdated when a claim is partially paid. Redesigning your cover every decade of your life is now essential rather than optional, because your needs, risks and income all change as you move from your 30s to your 50s.

Why your 30s demand a stronger base plan

Your 30s are usually when you first buy health insurance, often a modest Rs 5–10 lakh policy because premiums feel expensive and employer cover seems enough. But this decade is when you need to build the foundation of a lifelong plan. Medical inflation means a Rs 5 lakh cover

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