Retirement Healthcare in India: Plan Early, Secure Your Future

• Healthcare costs in India are rising faster than general inflation, making early planning crucial for retirees.
• Buy or upgrade health insurance in your 40s or early 50s; premiums are higher and conditions may apply later.
• Consider a sum insured of Rs 10-20 lakh, especially in metro cities, and use super top-up policies for higher coverage.
• Build a separate medical buffer in liquid, low-risk instruments for expenses not covered by insurance.
• Factor healthcare into your retirement corpus, accounting for inflation, and discuss long-term care with family.