An old-but-young-at-heart aunt struggles with her medical insurance. Single at 65, she has a basic Rs.3-lakh medical cover, but I’m scaring her silly with my stories of what it costs to even breathe in the air of the new temples of mass affluent Indians—the five-star hotel-hospitals. I’m a several surgeries battle-scarred survivor of the system, having taken assorted family members to various hospitals over the years. At my aunt’s age, a fresh cover for the next Rs.7 lakh costs a bomb, not that it is easy to get the cover. I spoke to a few planners about strategies for people on the other side of 50, who are sitting on small covers of under Rs.3 lakh and live in a mega metropolis where medical costs are sky high.