There is no universal health insurance amount that suits every family. A young individual, a couple with children and a family caring for elderly parents can have very different healthcare requirements.
Begin by considering ages, medical history, existing conditions, ongoing treatment and the healthcare costs in your city. Review the possible cost of hospitalisation, surgery, specialist treatment and recovery rather than focusing only on routine consultations.
A family floater shares one sum insured among covered members, while individual policies provide separate sums insured. A super top-up may also provide additional protection after eligible expenses cross a specified deductible.
Review cover after marriage, childbirth, relocation or changes in health and finances. Balance affordability with meaningful protection, and understand portability and continuity conditions before replacing an existing policy.