Why your health cover needs to rise every year

Medical inflation always runs ahead of normal inflation — and most health covers never catch up.

While general inflation hovers around 5–6% a year, healthcare costs rise at 12–14%, driven by advanced diagnostic tools, robotic surgeries and rising hospital overheads. Each of those carries a heavy upfront capital cost, and hospitals pass it straight through.

A static health cover quietly loses purchasing power against that gap. It doesn’t feel underinsured today — it just becomes underinsured, one renewal at a time.