Mumbai's ₹10L and Delhi's ₹10L are NOT the same coverage.
Here's why your city matters more than you think.
Same procedure. Same ₹10L policy. Different cities. Different outcomes.
Cardiac bypass in Mumbai: ₹12L. Your ₹10L policy? You pay ₹2L out-of-pocket.
Same procedure in Pune: ₹8L. Your ₹10L policy? Fully covered.
The difference is your city's healthcare costs. They vary by 40-60% across India.
Real Costs by City (January 2026)
| City | Cardiac bypass | Cancer treatment | Room rent/day | Recommended SI |
|---|---|---|---|---|
| Mumbai (Tier 1 - Metro) | ₹10-15L | ₹18-28L | ₹5,500-6,500 | ₹20-25L |
| Delhi/Bangalore (Tier 1 - Metro) | ₹8-13L | ₹15-24L | ₹4,800-6,000 | ₹18-22L |
| Pune/Hyderabad (Tier 2) | ₹6-9L | ₹12-18L | ₹3,500-4,500 | ₹15-18L |
| Tier 3 cities | ₹5-8L | ₹10-15L | ₹2,500-3,500 | ₹10-12L |
What to Do Right Now
Step 1: Identify your city tier. Are you in a metro, Tier-2, or Tier-3 city?
Step 2: Check your current SI. Open your policy document and find "Sum Insured" or "Coverage Amount." Compare it against the row for your city.
Your city's healthcare costs aren't something you can change. Your coverage is.
Generic advice ends here — a table can tell you the market rate, but only YOUR policy document says what you're actually covered for. Go check the number.