Choosing a health insurance policy based on premium alone can be costly when you actually need to claim. Here are seven features worth reviewing carefully.
1. Adequate Sum Insured
Medical costs in metro cities have risen sharply. A family floater of ₹10–25 lakh, supplemented by a super top-up, is a sensible starting point for many families.
2. Room-Rent Limits
A room-rent cap can reduce your entire claim proportionately. Prefer plans with no room-rent restriction or a single private room.
3. Waiting Periods
Check waiting periods for pre-existing diseases and specific illnesses. Shorter is better.
4. Co-Payment and Sub-Limits
Co-payment clauses and sub-limits on procedures shift costs back to you. Read them carefully.
5. Restoration Benefit
This reinstates your sum insured if it is exhausted during the year — valuable for families.
6. Network Hospitals
Ensure good hospitals near your home are part of the insurer's cashless network.
7. Claim Settlement Experience
Look at the insurer's claim settlement record and service quality, not just the premium.
Tip
Buy personal cover even if your employer provides one — it continues when you change jobs.
Tip
Disclose medical history accurately to avoid claim rejections later.
Our team compares plans across leading insurers and supports you through claims. Schedule a meeting to review your health cover.
