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Health Insurance sum assured should increase every 2 years – It is a sensible decision
What ever may be the reason seeing the inflation in Health Care at 20% year after year it may be worth while for you to reconsider sum assured which you are have. If you bought the policy in 2005 for Rs. 2 lakhs then your sum assured in 2013 should be Rs.10.32 lakhs, say Rs.10 lakhs
Year Rs.(in lakhs) Increase 10% Increase 20%
2005 2 2.2 2.4
2006   2.42 2.88
2007   2.66 3.46
2008   2.93 4.15
2009   3.22 4.98
2010   3.54 5.97
2011   3.90 7.17
2012   4.29 8.60
2013   4.72 10.32
2014   5.19 12.38
2015   5.71 14.86
2016   6.28 17.83
2017   6.90 21.40
2018   7.59 25.68
2019   8.35 30.81
2020   9.19 36.98
Health Insurance Cost
If you are continuing at Rs.2 lakhs + Rs.50000 or so of NCB – you are lagging behind and will have to shell out lot of money your own pocket or go for use of old technology /medication. when the need arises.
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