India · Health Insurance

Is Your Cover Actually Enough?

Pick your household and city tier to see a recommended sum insured range, then compare it against your current policy. We also show the IRDAI-mandated Arogya Sanjeevani band — the government reference floor every insurer must offer.

👥 Your household
Who's covered
City tier
₹0 – ₹0
recommended sum insured range
Just me
household
Metro
city tier
IRDAI-mandated Arogya Sanjeevani band (government reference floor, every insurer must offer this): ₹50,000 – ₹10,00,000, in multiples of ₹50,000.
Source: Arogya Sanjeevani sum insured band per IRDAI's revised guidelines (reported 27 Mar 2021, effective 1 May 2021) removing the earlier ₹5 lakh cap and setting a ₹50,000–₹10,00,000 band in multiples of ₹50,000, subject to each insurer's underwriting. The broader recommended adequacy ranges by household size and city tier reflect commonly-cited insurance-industry financial-planning guidance, not a government rule — see FAQ below. Last verified: .
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Frequently asked questions
What is Arogya Sanjeevani, and why is it mentioned here?
Arogya Sanjeevani is a standardised health policy that IRDAI (the insurance regulator) requires every general and health insurer in India to offer, with sum insured options between ₹50,000 and ₹10 lakh in multiples of ₹50,000. It's shown here as a government-mandated reference floor, not a recommendation — most households need more than this band provides, especially in metro cities.
Is this recommended range an official government guideline?
No. Only the Arogya Sanjeevani band (₹50,000–10 lakh) is IRDAI-mandated. The broader recommended adequacy ranges by family size and city tier reflect common financial-planning guidance used across the insurance industry, not a government rule. Treat it as a sanity check, not a fixed requirement.
Why does city tier change the recommended amount?
Hospitalisation and treatment costs in metro cities (Delhi, Mumbai, Bengaluru, Chennai, Kolkata, Hyderabad, Pune, Ahmedabad) commonly run 30-60% higher than in Tier 2 cities for comparable care, so a cover that's adequate in a smaller city can fall short in a metro.
Does a bigger sum insured always mean a better policy?
No. Sum insured is one factor. Room-rent sub-limits, co-payment clauses, disease-wise capping, waiting periods for pre-existing conditions, and the insurer's claim settlement ratio all affect what you actually get paid when you claim — a high sum insured with a restrictive policy can still leave you under-covered.