You saved for your retirement. You invested wisely. But have you calculated what a 15-day hospital stay in 2035 will actually cost you? The answer might be the most important number of your financial life.

His name does not matter. But his story will feel familiar. He is 58 years old. He worked hard all his life. He saved diligently, invested in mutual funds, built a retirement corpus, and felt financially secure. Then, one Tuesday morning, his wife had a heart attack.