The share of health insurance policies in India with coverage of ₹1 crore (approximately $120,000 USD) has increased from 2% to nearly 12% since the central government eliminated the Goods and Services Tax (GST) on health insurance premiums. This shift reflects changing buyer preferences, driven by rising healthcare costs and the need for adequate coverage against serious illnesses. Experts like Saurabh Vijayvergia (CEO of Coversure) and Kapil Mehta (co-founder of SecureNow) emphasize that serious family health issues often prompt households to reassess their insurance needs, particularly as treatment costs for conditions like cancer can range from ₹30 lakh to ₹70 lakh in major cities. However, affordability remains a critical issue, especially for older individuals, as premiums can increase by 20% to 100% after age 55 or 60. To mitigate costs, buyers are encouraged to consider combining a base policy with a super top-up, which can provide substantial coverage at a lower premium. This strategy also allows for gradual scaling of coverage, which is particularly important for individuals with higher health risks or family histories of chronic illnesses.