Health Insurance: Why Every Family Needs One in 2026

Rising Healthcare Costs

Medical inflation in India is running at 14% annually. A hospital stay that cost ₹2 lakhs five years ago now costs over ₹4 lakhs.

What to Look For

Choose a plan with adequate sum insured (minimum ₹10 lakhs for a family), cashless facility, and no room rent capping.

Tax Benefits

You can claim deduction up to ₹25,000 under Section 80D for health insurance premium (₹50,000 for senior citizens).