Smart policy choice can help you tackle medical inflation: Experts

Most Ayush treatment happens out-patient; your policy may not be very useful if it offers only hospitalisation cover

Experts estimate that medical inflation is around 15 per cent annually in India. It is difficult for customers to keep raising the sum insured of their policies constantly. By choosing their policies smartly, however, they can tackle this issue to some extent.

Recharge benefit

While this feature (also called restore, reinstatement or reload) has been around for many years, it has evolved greatly. Normally, if you have a sum insured of Rs 5 lakh, you can claim only up to this amount. Once it is exhausted the insured and his family are left without a cover for the rest of the year.