New Delhi, Oct. 12 -- How much health insurance is enough when medical costs outpace incomes? While a Rs.10 lakh cover seems adequate today, prolonged ICU stays, complex surgeries, or treatments for rare diseases can easily exceed standard limits.

To address this, insurers now offer unlimited health insurance plans. Rather than capping the base sum insured (SI), these policies pay eligible hospital bills, whether they are Rs.8 lakh or Rs.80 lakh. However, not every unlimited health plan works this way-some use uncapped base limits, while others rely on infinite renewal bonuses or unlimited restoration features.

Here is how four major offerings compare:

Niva Bupa ReAssure 3.0 has four variants-Classic, Select, Elite and Black. Customers...