Nope.Indexation suits those on rocket-fuelled career trajectories, medical consultants, for example. Their income increases like the clappers so they can afford the higher premiums. And they can always opt-out of the indexation.If that makes sense for you, then go for it. If that’s not you, then don’t. If you’re not sure if your policy has indexation, ask.Most policies automatically include it for free for the first year, so you have to opt-out when you are applying. Free is good but keep an eye on it or the premiums can get out of hand.