Know Your Risk Before You Buy Coverage Stop guessing your health insurance — let your personal data decide.
The Hard Truth
Most people still choose health insurance by guesswork. But with 14–15% annual medical inflation, a ₹5 Lakh policy from 2020 is barely worth ₹2.5 Lakhs today. By 2026, a major surgery can cross ₹20 Lakhs.
The real question isn’t “how much cover?” — it’s “what cover matches my unique risk profile?”
Enter Map My Risk
India’s 360° AI-powered personal risk platform. It doesn’t sell insurance — it gives you clarity. It’s 100% free, with no login, no signup. Just 10 minutes.
✅ The Health & Wellness Assessment analyzes your health markers (BP, cholesterol), lifestyle (diet, exercise), habits (smoking, alcohol), and family history (heart disease, diabetes).Based on your inputs, MIRA (your AI advisor) generates a Personal Risk Score (e.g., 72/100) and highlights gaps like Health Risk, Income Risk, or Life Risk.
Use Your Score to Choose Smarter Insurance
| Your Risk Profile | Recommended Cover Strategy |
|---|---|
| Low — Non-smoker, healthy | ₹10–15 Lakh Base policy |
| Moderate — Some lifestyle risks | ₹15–20 Lakh Base + Top-up |
| High — Smoker / Family history | ₹25 Lakh+ Base + Critical Illness rider |
| Very High — Multiple factors / Age 50+ | ₹25 Lakh+ Base + Super Top-up + CI |
Match Cover to Your Specific Risks
- Heart history? Ensure cardiac procedures aren’t sub-limited.
- Heavy smoker? Check for smoking-related exclusions.
- Sedentary lifestyle? Look for wellness benefits that reward improvement.
Always ask about room-rent caps, co-pay clauses, and restoration benefits.
Clarity Over Guesswork
Map My Risk doesn’t sell products — it sells clarity. In 2026, you can’t afford to be underinsured or misinsured. Don’t let commission-driven sales drive your choices.
Disclaimer: This blog is for educational purposes only. Map My Risk provides risk insights and does not sell financial products. Always consult an IRDAI-licensed advisor before purchasing insurance. Read policy terms carefully.Want to take active steps?
Use Map My Risk's unbiased Indian family emergency calculators to shield your loved ones.
Related calculators
- Health insurance cover calculator: Check your family’s health cover against a base floater and a super top-up.