A large share of Indian households continues to face medical costs without a safety net. Hospital bills can arrive without warning, savings get stretched, and families often delay treatment. The protection gap is stark, and it shows up most clearly when a sudden admission or a planned procedure forces tough choices. This is where earns its place at the centre of a family’s financial plan.

Why so many households remain uninsured

Several day-to-day realities keep families on the sidelines:

Perceived cost: Premiums appear high compared to monthly expenses, particularly for households juggling rent, schooling, and loans.

Complex jargon: Policy wordings feel technical. Terms like waiting period, sub-limit, co-pay, and exclusions discourage first-time buyers.

Myth of employer cover: Many

See Full Page