Unlimited Health Cover: Why 90% Buyers Are Under 45?

Young Indians under 45 are buying health insurance plans with no cap on the sum insured. Rising hospital bills and fear of big medical expenses are pushing this trend, even in smaller cities.

Here's what happened: Unlimited sum insured health plans have surged in popularity, with the vast majority of buyers being working-age adults under 45.. Smaller cities and towns are driving a significant share of this demand, suggesting medical cost anxiety is no longer just a metro concern.. Rising hospital inflation — estimated at 10–14% annually — is making traditional ₹5–10 lakh covers feel dangerously inadequate for many families..

What you should do: Check your current health policy's sum insured — if it's under ₹10 lakh and you're the sole earner, consider upgrading immediately.. Compare unlimited or super top-up health plans on aggregator platforms; premiums for a ₹1 crore cover can be surprisingly affordable at younger ages.. Buy young — a healthy 28-year-old pays roughly ₹7,000–12,000 per year for a ₹1 crore plan, versus ₹25,000+ after 45 with possible exclusions..

A super top-up plan (kicks in after a deductible threshold) can give you ₹50–95 lakh extra coverage for as little as ₹3,000–5,000 per year — far cheaper than upgrading your base policy.