Health expenses today aren’t like they used to be back in the day. The hospital bills, treatment costs, and routine check-ups have become more expensive in recent years. With this rise, one thing has become apparent: simply picking any random health insurance plan isn’t enough anymore. It is high time you ask yourself: Is your health insurance cover strong enough for your healthcare requirements in today’s time? Too little cover means your long-term savings will be drained, while too much can lead to unnecessary premiums.
In this guide, we will help you understand how much health insurance cover amount is enough in 2025 in a simple and practical way. So, keep reading!
How Much Health Insurance Do You Need in 2025?
According to experts, the ideal health insurance sum insured in 2025 is ₹5 to ₹10 lakh. However, depending on your insurance plan and your health condition, this number will vary. Let us understand this better with an example:
Anuj is a 35-year-old male who works in Bangalore and has bought a health insurance policy with a sum insured of ₹2 lakh in 2024. In October 2025, he had surgery that cost him ₹4 lakh. Now, since his insurance covers just ₹2 lakh, he will have to pay an additional ₹2 lakh from his savings.
Another man from Mumbai, chose a health insurance policy with a coverage of ₹7 lakh. If he were in the same situation as Anuj, he could have avoided touching his hard-earned savings to pay the surgery cost.
What do we understand from this? When it comes to choosing an “ideal” health insurance policy, your goal should be to select a coverage that realistically fulfills your medical cost requirements. So, one of the most prevalent health insurance mistakes to avoid is choosing the one with the minimum premium without considering your needs.
Knowing The Ideal Health Insurance Sum Insured in 2025
Of course, the sum insured of health insurance coverage in 2025 will change from one person to another, especially on the basis of their age and medical needs. Still, when it comes to an ideal cover, there are some ranges that experts suggest:
| Types of Plans | Ideal Health Insurance Sum Insured | ||
| In tier-1 cities | In tier-2 cities | In tier-3 cities | |
| Individual Health Insurance Plan | ₹10 lakh & above | ₹5-10 lakh | ₹5 lakh |
| Family Floater Health Insurance Plan | ₹30 lakh & above | ₹20 lakh & above | ₹10 lakh & above |
| Senior Citizen Health Insurance Plan | ₹20 lakh & above | ₹15 lakh & above | ₹10 lakh & above |
Choosing the Right Health Insurance Policy: What You Need to Do
If you are wondering how to choose health insurance coverage for yourself, there are two simple rules you need to keep in mind. Let’s discuss these:
- The sum insured of your health insurance policy should be at least 50% of your annual income.
- The coverage amount should be decided while keeping in mind the medical needs associated with a possible critical illness. For instance, you can consider choosing an amount that covers a coronary artery bypass graft at a hospital of your choice.
Must-Have Benefits in a Health Insurance: What to Look For
When you are doing health insurance planning in 2025, you must look for the following benefits:
- Cashless Hospitalization Network: There should be a large network of hospitals where getting cashless treatment is as seamless as possible.
- Maternity and Neonatal Cover: If you are a young family that is planning children in the near future, having this feature will benefit you greatly.
- Daycare Procedures: In the modern-day scenario, there are many surgeries that do not require 24-hour admission to the hospital. These should also be covered by your policy.
- Mental Health Coverage: Under the IRDAI mandates, health insurance should also cover treatment for mental health conditions.
- OPD and Preventive Care: When you go for annual health checkups, undergo diagnostic tests, or consult doctors for managing chronic conditions, it should also be covered by your policy.
- Telemedicine: Post-COVID, the popularity of virtual consultations and healthcare support has also increased. Many good policies offer health insurance cover amount that includes telemedicine.
Conclusion
Choosing the right health insurance cover in 2025 may seem overwhelming, but it isn’t. The goal is simple: to stay prepared for anything unexpected and protect your savings. So, having adequate cover is not an option; it is essential. By considering factors like your age, city, and medical history and looking at the benefits offered, you will be able to choose the right policy for yourself and your family. With the right health insurance cover, you can be confident that you’re protected if something goes wrong.
Looking for an expert who can help you plan health insurance for family? Come to Finvriddhi, where the most seasoned specialists are eager to guide you. Reach out to us now!
