What is sum insured?
The maximum your health policy may pay for covered hospitalisation in a year.
Sum insured is the cover ceiling for a policy period.
A common family checklist starts around ₹10 lakh in metros, but your need depends on city costs, dependents, and existing employer cover.
Use this checklist with your family, city and existing cover when comparing suitable health insurance options. Read the wording/PDS and current quotes before buying.
Disclaimer: This recommendation is for informational purposes only, based on available knowledge-base content and documents in context. We are not an IRDAI-licensed insurer or intermediary. Please compare current quotes, review the latest policy wording/PDS, and confirm suitability with an IRDAI-licensed advisor or insurer before purchase. PDFs are processed in memory and not stored.