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Is a Health Insurance Floater Policy of ₹5 lakhs Sufficient

Metro cities appeal to people for a wide variety of reasons. The primary attraction for many is that a metro offers more job opportunities as compared to Tier-II and Tier-III cities. Besides, metros also provide improved public transport, easier access to amenities and better exposure to different cultures. On the other hand, one of the biggest disadvantages of living in a metro is that your health and wellness can take a big beating.

If you are living in a metro and wondering whether a health insurance floater policy of ₹5 lakhs is sufficient or not, this article can help you.

Health implications of living in a metro

Living in a metro has its own perk, but the major downside is that it can take a huge toll on your well-being. Let’s have a closer look at how living in a metro can impact your health:

  • The pollution levels in metros are considerably higher than those in Tier-II and Tier-III cities. Even your daily commute to work exposes you to high levels of air pollution which can lead to serious cardiovascular diseases and even cancer. The increased noise pollution in metros can also negatively impact your mental and physical wellness. For instance, it can interfere with your sleep cycle and induce insomnia too.
  • Studies in the past have found that people living in metros eat more processed and fast food. This makes them more susceptible to lifestyle-based diseases such as obesity, high blood pressure and diabetes, amongst others.
  • Crowded metro cities also take a toll on your immune system and can make you more prone to contracting viruses like the flu.

Ultimately, there is no denying that living in a metro can have more negative impacts on your health as compared to living in Tier-II or Tier-III cities.

How much health insurance is enough for metro dwellers?

This question can be a complicated one because there isn’t a universal answer to it. The amount of health cover you should opt for largely depends on your age. Here’s a simple breakdown for your reference:

  • If you are in your 20s, an individual health insurance cover of ₹5 lakhs is sufficient
  • If you are in your 30s or 40s, you should increase the cover to at least ₹7 lakhs
  • If you are in your 50s or above, the ideal coverage amount for you should be at least ₹10 lakhs

As you can see, it is generally advisable to increase your cover amount as you grow older. The reason for this is simple. Younger people are less susceptible to diseases and other health issues as compared to their older counterparts.

The Lifeline Health Insurance Plan by Royal Sundaram is a holistic insurance plan with many benefits. You can opt for the plan as an individual or also as a family floater for yourself, your spouse and up to four children. Lifeline Health Insurance offers comprehensive health coverage, with a sum assured that ranges from ₹2 lakhs to ₹150 lakhs.

Individuals who are looking for an affordable health insurance plan that offers adequate coverage can consider Royal Sundaram’s Arogya Sanjeevani Policy. This highly affordable health insurance policy can provide a cover of ₹1 lakh to ₹5 lakhs for an extremely low premium of just ₹7 per day.


A health insurance floater policy of ₹ 5 lakhs was considered to be adequate for most people until recently. However, rising medical costs are causing people to opt for higher coverage amounts.

Nowadays, an insurance floater policy of ₹5 lakhs is the bare minimum if you are living in a metro and are aged between 20-50 years. In case you have crossed 50 years of age, you should increase your individual health insurance coverage to ₹10 lakh, at least.

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