CI Part2. How much to cover for 40 years' time?

 If you are in your 20s, 30s or even 40 year old, to consider CI in another 30-40 years is a long time of uncertainty.  

Single's consideration for CI is different from Married Man's consideration. Just hopefully don't burden those who are most affected to care for you.

Any guru wants to try derive an estimate for CI Coverage in 30-40 years time ? 

$500k is better than $200k; $1M better than $500k...

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Few years ago, I met a senior whose wife underwent triple hosp treatment for recurrent stroke op in a private hospital.   The total bill came up to $1M.  He didn't ask him what was the actual cash that he paid.

Assuming best case of 10% Co-pay Assist for H&S, with CI As-charged rider, it would be $100k cash.  And this was present-day cost in a Private Hospital.

Maybe cancer treatment cost and medicine would have to pay much more.  I really don't know either.  

Few years back, Medishieldlife has yet kicked in.

At the end of the day, for us, is to settle for Restructured Hospital treatment would lessen the medical cost burden.

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For Restructured Hospital treatment with H&S coverage, maybe $200k CI might suffice at current year.

If cost x2 is every 20-year, we assume, then it would be $400k.

If 40-year's time, someone might say x 4 or $800k?

But medical cost may escalate much faster than inflation cost consideration.

I am no insurance agent.

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