It has been observed that medical inflation usually increases by 10-15 per cent year on year. This in itself is an indication that one must revisit the sum insured and coverage of their health insurance policy every couple of years. It’s advisable to assess your medical requirements and past claims, and know the rates of common treatments in hospitals. Accordingly, you can determine the coverage and sum insured of your policy. Doing so will ensure that you and your family members are appropriately covered and will reduce your out-of-pocket expenses in case of a medical emergency.