Why higher health cover is becoming the new normal for Indian families

Santosh Puri, Head – Retail Health & Travel Underwriting at Tata AIG General Insurance, and Amit Chhabra, Chief Business Officer at Policybazaar.com, said health insurance adoption in India is improving amid rising medical costs and growing awareness. Consumers are increasingly opting for higher sum insured plans and comprehensive coverage. While insurers are expanding into smaller cities and offering more flexible products, the experts noted that insurance penetration remains low and significant protection gaps persist.