Med cover inadequate and not affordable

How much hospitalisation insurance is enough? For the average city living middle class family ₹5 lakh looks woefully inadequate because which city hospital even has ₹5,000 rooms?

Because, with the sub limit of 1% of sum insured (SI) on room rent, you will be dipping into your pocket for the extra room rent. You can buy an additional cover for extra premium to protect against that. Be sure to read up about it and opt for it on your next renewal. But what is left uncovered is the share of expenses you will bear on all other services like surgeons’ or physicians’ fees going by the sub-limit rules. Mercifully medications and diagnostic procedures don’t come under the sub-limit. A higher SI comes at a higher premium and that escalation is going to be endless, we have seen. The real problem we are left to focus on is the inadequacy of SI. With rising healthcare costs, the question has changed to how much of your expenses are left uncovered by your SI. Remember, that gap is going to widen each coming year. This diminution of protection is cause for serious concern.