You Feel Invincible, But Are You Protected??
Don’t rely on a guess. Get the real numbers..
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
Somewhat
Vulnerable
Very Vulnerable
Composite HPS score between 0 to 2.99
Medium Vulnerable
Composite HPS score between 3 to 5.99
Low Vulnerable
Composite HPS score between 6 and above
Health Insurance is the need of the hour
This means 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 "Young and Vulnerable? 2026" Report;
Health Insurance 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.