Vikas's Post

Don't buy a health insurance Here are 3 harsh truths no one tells you 👇 1. Medical inflation is brutal Healthcare costs are rising at 15–18% annually. A ₹10–20 lakh policy today may feel sufficient… but in 10 years, it could feel like ₹3–5 lakh. And when you try to increase coverage later— you pay significantly higher premiums. 2. Buying early doesn’t always mean cheaper forever Yes, starting young helps with waiting periods. But after 8–10 years, your premium often aligns with what a new buyer pays at that age. So the “locked-in cheap premium forever” idea? Not entirely true. 3. Employer cover is not enough Your company insurance looks good… until: You switch jobs You retire A major illness hits beyond the coverage That’s when reality hits. ✅ So what actually works? Instead of just buying a policy… buy a smart structure. ✔️ 1. Unlimited or Super Restoration Bonus Choose policies offering 100% bonus every year Your ₹10 lakh cover can grow to ₹1 crore+ without proportional premium increase. ✔️ 2. Long-term entry advantage (Age-based benefits) If you’re below 35, lock in policies offering lifetime renewal benefits + early entry perks (Some plans offer premium advantages—but read terms carefully) ✔️ 3. Deductible strategy (Game changer) Take a base cover + super top-up Example: ₹10 lakh base + ₹25k–₹3 lakh deductible You can reduce premiums by up to 40–50% while still keeping high protection. 🎯 Bottom line Health insurance is not a product. It’s a strategy. Most people buy it wrong… and realise it only at the time of claim. If you’re buying or reviewing your policy this year, make sure you’re structuring it right.

• 22 8
• 82.9K Followers
• 466 Posts
• 31 Average Likes
• 0.04% Eng. Rate

This post was published on 01st May, 2026 by Vikas on his Instagram handle "@vikasvaid_vhw (Vikas Vaid)". Vikas has total 82.9K followers on Instagram and has a total of 466 post.This post has received 22 Likes which are lower than the average likes that Vikas gets. Vikas receives an average engagement rate of 0.04% per post on Instagram. This post has received 8 comments which are greater than the average comments that Vikas gets. Overall the engagement rate for this post was lower than the average for the profile.