How much health insurance is enough for a family of four in India's major cities?

Health insurance for a family of four in India's major cities must consider rising medical costs over years ahead, not just current hospital bills.

Adequate coverage should protect against inflation in healthcare expenses, ensuring long-term financial security.

The appropriate sum insured varies by city due to differences in treatment costs and living expenses.

Families should evaluate coverage for critical illnesses, pre-existing conditions, and annual check-ups.

A comprehensive policy with top-up options can help balance premium affordability and sufficient protection.