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