Is NPS Swasthya enough for medical emergencies? Here’s the reality
Last Update Date: 06-10-2026
Published by India Today
Abhishek Kumar's role: Quoted
Abhishek Kumar cautioned that NPS Swasthya is the subscriber's own money rather than insurance, said withdrawals cut retirement compounding, and suggested using it only as a third layer after a base health policy and a super top-up.
More of Abhishek's views on retirement
The article looks at NPS Swasthya, which lets subscribers use part of their own NPS contributions for medical costs, and why advisers warn against treating it as health insurance. It covers the 25% withdrawal limit, the minimum balance needed before use, the cost to retirement savings and where the product fits in a plan.
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Is NPS Swasthya enough for medical emergencies? Here’s the reality