Umm, most policies have caps of Rs500k per year (or is it incident). Am I mistaken? That's laughably low even by Indian standards for a serious illness.

I'm assuming the the HN-India audience can hustle Rs500k. My two cents is that you shouldn't sweat it in India if you don't have health insurance.

However, if you get something like cancer in India, not insurance policy will help: the cost of treatment is just too high. You will go bankrupt.