Super Top up - Shaktimaan for the middle class!!!

"50 Lakh?" 

My jaw dropped, as I looked at the Hospital bill, I couldn't feel my legs, sweat trickled from body parts that weren't porous. I felt a sense of dread; how on Earth will I manage that amount, will I have to let go of all my dreams? 

Fortunately for me, as it turned out, I was having a nightmare, but this nightmare led me on a quest - a quest to find a solution to the problem that the entire middle class will face, if not today, tomorrow - What is the appropriate amount to insure oneself for, and how