Why Your 50s Require Bigger Health Insurance Policies

After age 50, hospital visits become frequent and insurers may demand medical tests before issuing a new policy, which can raise premiums. Financial planners generally recommend a total cover ranging from Rs 25 lakh to Rs 50 lakh, calibrated to your personal health, family medical history and retirement goals. Before signing, scrutinise any co‑payment clause; a co‑payment forces you to shoulder a percentage of each claim, which can erode savings when claims are large.