Most working professionals in Hyderabad have some health cover through their employer, and many stop there. The problem: employer cover usually ends the day you change or lose a job, and the sum insured is often set for the whole company, not your family's actual medical costs.
A reasonable starting point is to size cover against the cost of a serious hospitalisation in your city, not against habit or budget. In most metro hospitals today, a single major treatment can run into several lakhs, cardiac care, cancer treatment and prolonged ICU stays are the events that quietly bankrupt families with thin cover.
A family floater of ₹10–25 lakh is a reasonable working range for most households in a city like Hyderabad, adjusted up if there's a family history of major illness or if you're the sole earner.
It's also worth holding an independent personal health policy alongside any employer cover, rather than relying on the employer plan alone. That way, cover continues uninterrupted through job changes, and a serious diagnosis doesn't coincide with the wrong month to be between jobs.
The right number depends on your city, your family's health history and what else you're already covered by, which is exactly the kind of calculation worth doing with an advisor rather than guessing at renewal time.