Your cover passes one useful first test when every affected person is included and the usable benefit can absorb the bill you entered after known deductibles or co-pay. Passing that amount check does not prove the policy is adequate.
Use a bill, not a slogan
Choose a hospital-cost scenario that is plausible where you live. Then list public benefits, employer cover and private cover separately. Use the limit that would actually be available for this event; do not multiply a shared family limit by the number of family members.
That ₹2,50,000 is a planning exposure, not a prediction that somebody will be hospitalised. Change the amounts to match your currency and local costs; the relationship between them is what matters.
Now try to break the answer
Is each person covered?
Check adults, children and supported parents one by one. A family policy can still omit someone or apply a different limit.
Is the limit shared?
One claim may reduce what remains for everyone else. Note deductibles, co-pay and sub-limits instead of recording only the headline sum insured.
Can the cover be used now?
Waiting periods, exclusions, room or ICU limits, hospital networks and pre-authorisation rules can change the amount available.
Does it disappear with a job?
Employer cover can end during the same income shock that makes a large medical bill harder to absorb. Record the continuity plan.
Country rules change the conclusion
Public healthcare and out-of-pocket exposure differ materially between countries. MoneyMap therefore asks for country before applying local guidance. Its Global Basics pack can run the household maths but will not pretend private insurance is required everywhere. For India, the reviewed pack follows the policy checks highlighted by IRDAI; the wider financial-protection context follows the World Health Organization.
Enter the people, benefit limit, one bill scenario and known cost-sharing once. The free result explains the first three exposures and keeps unknown policy details visible.