Sum insured is the amount the insurer I.e., the company is liable to pay in case of any unforeseen. While selecting a Sum Insured you need to keep today’s cost in mind. If you’re living in Metropolitan cities make sure that you get minimum coverage of five lacs and when you’re living in a town make sure you’re getting minimum coverage of three lacs, this coverage would help you cover the medical expenses that you might incur in case of any unexpected scene.