Health Insurance

In India, we love sharing. We share our food, our festivals, and often, our homes. But when it comes to financial planning - specifically Health Insurance, sharing isn't always the safest option. With medical inflation in India hovering around 12-14% (way more than the general inflation rate), a single hospitalization can wipe out years of savings. The most common question we get from clients is "Should I buy a single policy for my whole family, or separate ones for each memb

Health insurance is the firewall that protects your life's savings from the flames of medical emergencies. However, buying the wrong health insurance policy can be almost as damaging as having none at all. It gives you a false sense of security, only to let you down when you need it the most. Here’s a simple, 5‑minute checklist to review before you buy or renew health insurance in India. It keeps the focus on coverage you can actually use, not just glossy features or tax ded

There isn’t a single “right” number for everyone. However, there is a solid order of priority: maximize your base cover to handle one major claim at your preferred hospital. Then, consider a top-up as secondary protection if base + inflation protection is not sufficient. Review as life changes and costs evolve. A planned, personalized approach reduces guesswork and bill shock. If you’d like a second set of eyes for your city, family, and hospital preferences, Y2J Moneytree