Medical Emergency Fund

Your safety net for situations your health insurance won't cover

Health insurance covers most planned hospitalizations — but there are gaps. A claim may get rejected. A family member may need prolonged home nursing care. An elderly parent may require a live-in caregiver for months. This fund is your buffer for those unexpected situations.

Twenty Five LakhMinimum suggested: Rs 25 Lakhs. Bigger is always better.

Your Medical Emergency Fund

₹ 25 Lakhs

Twenty Five Lakh

What this fund covers

  • Insurance claim rejection or partial settlement
  • Prolonged home nursing / caregiver costs
  • Non-network hospital treatment
  • Critical illness not fully covered by policy
  • Room rent and ICU limits exceeding policy caps

How to invest this fund

Unlike liquid emergency funds (which must stay in FD/savings), this fund is unlikely to be needed all at once. You can invest it in a Balanced Advantage Fund or Hybrid Fund — it grows steadily while staying accessible within 2-3 business days if needed.

Avoid equity-only funds for this. A 40-60% debt allocation gives stability.