Healthcare Costs in Retirement: How Much to Budget in India

Medical costs are the silent wealth destroyer in retirement. Medical inflation runs at 10-15% per year vs 6-7% general inflation.

How Much to Budget

Conservative estimate: ₹2-3 lakh per year Aggressive estimate: ₹4-5 lakh per year

For a 25-year retirement, budget ₹1.5-2 crore for healthcare.

Insurance Strategy

• Base health insurance: ₹10-15 lakh
• Super top-up: ₹50 lakh-1 crore
• Critical illness: ₹25-50 lakh

Calculate healthcare costs: Free Calculator [blocked]