Health Planner designed for Mr./ Ms.

Earnings

Expenses

Savings

Earnings

Normal Situation

Expenses

Savings

Debts

When a Health emergency strikes

Personal Financial Planning Pyramid

Estate
Planning

40% of the people who are hospitalized

either borrow money or sell assets to cover
medical expenses.*
In India Health Care expenses are rising at
a rate of 22% (Medical Inflation, year on
year).**

YOUR LEGACY
Savings, Home Ownership
Retirement, Education Planning

YOUR DREAMS

Source:
* World Health Organization (2010 Report)
** Times of India, 16 May 2011

Health Care, Premature Death

YOUR RISKS

Health Expenses chart as per your Life Stage

Probable Health Expenses

Young

Newly married

Married with
no children

Married with
Child/Children

Senior Citizen
60+

Doctor consultation fees,

tests and medicines
Normal illness hospitalization
Maternity
Vaccination for child
Routine check up
Accident
Critical illness
Dental
Eye check up

Probability of health care expenses

High

Medium

Low

Not Applicable

How much of Health Insurance Coverage do I need?

Present age__________ Years left to Age 60_____________
Health Expense

Cost Now in `

Cost of Critical illness

in a Quality hospital
By-pass
Organ transplant
Cancer

Cost

Cost when you turn 60

(@8% inflation) in `
Average Cost

Suggested Health Plan

Minimum Cover (For 3 years @ Inflation of 12%)

Sum Insured Range

Maximum Cover (At 60 @ inflation of 8%)

Sum Insured Chosen (A)

Existing Health Cover- Sum
Insured (B)
Sum Insured applied for ( A B)
Family members to be covered
Premium inclusive of tax (C)
Loyalty Benefit every year ( D )
Annual Health check up (E)
Maternity Benefit
( if applicable) (F)
Tax Benefits under Sec 80 D(G)
Effective Cost ( C-D-E-F-G)

India is the Diabetic & Cardiac capital of the world. 9 crore diabetics in India by 2025.*
In urban areas, 32.8% of the deaths occur because of Health ailments & 9% due to malignant
tumours#
30% of people who suffer heart attack are affected before the age of 40 **
Over 8 lakh people die of Cancer every year in India. More than 7 lakh new cancer cases
diagnosed in India every year.*
Every 2.5 minutes, a person dies of Kidney disease in India.*
Source: * World Health Organisation (2010 Report); **CII Health Care Sector Report, 2010; # India Today Article, April 12, 2010.
Inflation Factor Table
2

10

11

12

13

14

15

16

17

18

1.17

1.26

1.36

1.47

1.59

1.71

1.85

2.00

2.16

2.33

2.52

2.72

2.94

3.17

3.43

3.70

4.00

At 12% 1.25

1.40

1.57

1.76

1.97

2.21

2.48

2.77

3.11

3.48

3.90

4.36

4.89

5.47

6.13

6.87

7.69

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

4.32

4.66

5.03

5.44

5.87

6.34

6.85

7.40

7.99

8.63

9.32

10.06 10.87 11.74 12.68 13.69 14.79

9.6

10.8

12.1

13.6

15.2

17.0

19.0

21.3

23.9

26.7

30.0

Years
left
At 8%

Years
left
At 8%

At 12% 8.6

Prepared by____________

33.6

37.6

42.1

47.1

52.8

Contact No ____________

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