Insurance isn't a lottery you win by getting sick.
It's a guarantee that if something does happen โ tomorrow
next year
or at 60
You won't have to sell your savings to survive it.
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For an individual in India -
Minimum sensible cover: โน10โ15 lakh
In metro cities: โน20 lakh+
Anything below this is not protection.
Itโs a reimbursement coupon.
Same with your policy.
You get a fixed sum insured for the year.
A major surgery. Cover almost zero.
But if your plan has reinstatement, cover auto-restores, once or even multiple times.
So a second hospitalisation in the same year DOESNโT mean zero protection.
This is Reinstatement Benefit.