Note: Maulana Saifullah Rahmani sahab has allowed basic medical insurance coverage. Here is data to help you. Here is the illness-wise average claim data extracted from the chart ("What An Illness Can Cost You"): Average Health Insurance Claim by Illness / Category * Cancer & tumours: Rs 5.55 lakh * Bone, joint & muscle disorders: Rs 2.33 lakh * Heart disease, hypertension & stroke: Rs 2.08 lakh * Injuries, accidents & poisoning: Rs 1.47 lakh * Special infections: Rs 1.38 lakh * Kidney, urinary and reproductive disorders: Rs 1.13 lakh * Stomach, liver and digestive disorders: Rs 1.07 lakh * Diabetes, thyroid & metabolic disorders: Rs 87,000 * Lungs, cold & breathing disorders: Rs 82,000 * Infections & fever: Rs 65,000 * General symptoms & tests: Rs 65,000 * Eye disorders: Rs 62,000 * Pregnancy & childbirth: Rs 51,000 * Others / unclassified: Rs 46,000 ...