You Feel Invincible, But Are You Protected?

Don’t rely on a guess. Get the real numbers.

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What is the

Health Protection Score (HPS)?

We get it. You try to eat right. You hit the gym. You feel great. But in 2026, health isn’t just physical; it’s also financial.

The Health Protection Score (HPS) is a first-of-its-kind scorecard designed to help you bridge the gap between how secure you feel and how protected you actually are.

How do we measure your Health Protection Score (HPS)?

Your score isn't random. It’s a composite measure of your real preparedness against medical uncertainty, calculated using four critical pillars:

Financial Adequacy

Measuring health insurance coverage and liquid savings available for medical emergencies.

Lifestyle Discipline

Evaluating habits such as nutrition, supplementation, and physical activity.

Family Health History

Assessing inherited risk factors based on ailments within the family.

Self-Assessment & Preventive Care

Tracking the frequency of medical check-ups and current health levels.

Where Do You Stand Against Young India?

At a national level, India's average HPS stands at 4.54, placing a majority of young Indians in the "Somewhat Vulnerable" category.

National Average
Health Protection Score

4.54

Somewhat

Vulnerable

23%

Very Vulnerable

Composite HPS score between 0 to 2.99

53%

Medium Vulnerable

Composite HPS score between 3 to 5.99

24%

Low Vulnerable

Composite HPS score between 6 and above

Health Insurance is the need of the hour

Nearly 3 in 4 (76%) young Indians remain financially or medically exposed to unforeseen health events. In this context, health insurance isn't just an option, it’s your strongest defense against the unexpected.

Key Findings: The Hidden Benefits of Being Insured

Insights from the "India's Health Protection 2026" Report

It Actually Makes You Healthier

Health insurance isn’t just a safety net—it drives better habits. Policyholders are far more proactive: 26% focus on diet and exercise (vs. 14% uninsured), and 36% go for regular check-ups. It doesn’t just protect you in emergencies; it nudges you to stay healthier every day.

It is the Ultimate Shield for Your Savings

One medical emergency can undo years of savings. That’s why 42% buy health insurance to guard against rising medical costs, while 36% value the peace of accessing quality healthcare without financial stress. Instead of dipping into savings or taking loans, your insurer takes the hit.

It is a Benchmark of Financial Maturity

Health insurance signals a shift from earning to protecting wealth. Policyholders are twice as likely to invest in mutual funds and long-term instruments like PPF or NPS versus non-owners. It’s a clear step toward disciplined, future-ready financial behavior.

Escaping the “I'm Too Healthy” Trap

Feeling healthy isn’t the same as being healthy. 38% of uninsured individuals skip insurance because they “feel fine,” yet nearly 30% never validate this with a doctor (vs. just 10% of policyholders). That’s not confidence—it’s a blind spot with financial consequences.

Turn Your Score Into A Safety Net

Knowing you are vulnerable is the first step. Fixing it is the second. Get your personalised free consultation with an expert to bridge your protection gap today.

Get upto 10% OFF – Secure your Policy Online Now!

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