In the heart of Delhi lived a happy, upper-middle-class family—the Khannas. Mr. Khanna, a diligent professional, his graceful wife Mrs. Komal, and their two lovely children, Ritwik and Anamika, led a content, peaceful life. Like many of us, they believed they were well-prepared for life’s uncertainties. They had a health insurance policy covering the entire family, with a sum insured of ₹10 lakh. Life was moving smoothly, until a routine health check-up for Mrs. Komal changed everything. A mammography revealed something no one ever wants to hear—breast cancer. Their world turned upside down. While the doctors gave hope and advised immediate surgery, the treatment estimate that followed came as another jolt—₹20 lakh. Their insurance could only cover ₹10 lakh. But Mr. Khanna didn’t flinch. He couldn't put a price on Komal’s life. With tears in his eyes and courage in his heart, he sold Komal’s jewelry, borrowed money, and emptied every bit of savings they had. The total cost? ₹21,53,466. And to make things worse, the insurance company deducted ₹4,35,880 under non-payable consumables. 💔 They thought they were prepared. 💔 But they were not. Thankfully, Mrs. Komal survived. Her strength and her family’s love pulled her through. But the financial scar left behind will take years to heal. 🧠 What We All Must Learn from the Khannas’ Story: Don’t rely on luck. Health issues can come unannounced. Stop saying “Mujhe kuch nahi hoga.” Take higher coverage – A 10 lakh policy may not be enough in today’s healthcare reality. Add top-up and consumable cover – Many hidden costs aren't covered in basic plans. Opt for critical illness insurance – It’s your financial life jacket during such storms