For many middle-class families in India, healthcare has quietly turned into one of the most worrying household expenses. A single hospital visit can disturb long–planned savings, and even routine checks feel heavier on the pocket than before. In this environment, people are thinking more seriously about structured protection rather than leaving things to chance. Instead of treating health insurance as a formality, more families are now reassessing its importance. They are exploring broader medical insurance that can support them through different stages of life and a wider range of medical needs. This quiet shift is reshaping how the middle class thinks about financial security today. Changing Reality of Healthcare for Middle-Class Families A generation ago, hospital visits

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