Mumbai hospital costs run brutal — a typical 7-day hospitalization at a tier-1 hospital easily crosses ₹5-7 lakh today. Most people are under-insured. The right cover depends on age, family size, city, and your existing safety net.
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A high single-policy cover is expensive. A smarter structure: take a smaller "base" policy (₹5-10L) that handles smaller hospitalizations, plus a much larger "super top-up" (₹15-25L) that kicks in only above a threshold (the "deductible").
Super top-ups are dramatically cheaper because they only pay out when your base policy is exhausted. The total cover you get is base + top-up.
Premiums roughly double every 10 years of age. Buying young + senior cover early is the cheapest way in. Parents above 60 are best covered under a separate senior citizen policy (more expensive but handles pre-existing conditions).
Archita works with 12+ health insurers (Star, Care, HDFC ERGO, Niva Bupa, Manipal Cigna, etc.). The "best" insurer depends on your medical history, family makeup, and city. Some are better for senior citizens; some have wider hospital networks; some have lower copay.
Drop her a line — she'll pre-quote across all of them.