Methodology. Base cover per person by city: metro ₹7L, tier-1 ₹5L, tier-2 ₹3.5L, tier-3 ₹2L. Multi-family adjustments: discount 20-30% because not all family members need coverage at the same time. Age loading: +30% for 45+, +60% for 55+, +100% for 65+. Pre-existing: +25% mild / +75% major. Medical inflation in India runs 12-14% annually — future cover needed projected forward. Minimum recommended: always include one top-up / super top-up plan above base. Consult an independent insurance advisor for specific product selection.