It occurs when an insurer provides you a large amount of coverage (say 10 lakhs) for a small charge, but places limitations on how much of that coverage may be used for each illness. Therefore, in most situations, you will probably only have a portion of the 10 lakhs available.

No one becomes ill immediately. Before being admitted to the hospital, you will probably need to undergo a number of diagnostic procedures. Medication will be a concern when you are released from the hospital. These expenses can also mount up. Therefore, it's advisable to get a coverage that covers both pre- and post-hospital treatment.

You will probably have to wait a certain amount of time before your insurer begins paying claims resulting from pre-existing conditions, such as diabetes, high blood pressure, or thyroid-related disorders. Usually, fewer than three years. Therefore, choosing a policy that minimizes waiting times is always preferable.

Dialysis, chemotherapy, and a speedy appendectomy. These processes could all take less than a day. Additionally, some insurers may not pay for these claims even if you are admitted to the hospital for treatment since they do not provide "daycare treatments."

You purchase a family policy. You're in the hospital. You assert something. Your cover expires. Then another family member becomes ill a few days later. However, the cover has already been used. If your insurer restores your coverage each time you file a claim, it is the only thing that can assist you. Perhaps once, if not all the time? It is feasible. All you have to do is ask.

Certain insurance plans cover your annual physicals. Therefore, these health examinations may be helpful if you want to ensure that you're always in the best possible shape.

Throughout your hospital stay, have you noticed the gloves, syringes, masks, surgical tapes, and other surgical tools that are used up? They are typically not covered by most insurance companies, therefore you will be responsible for paying between 5% and 10% of the total hospital charge. Nevertheless, a number of policies that provide consumables coverage as an optional or built-in benefit have lately emerged. Choose just one of these all-inclusive plans, and you'll be set!

Hospitals and medical facilities are typically the focus of health insurance policies, aren't they? However, what if an insured person is compelled to receive care at home because of a shortage of hospital beds or certain mobility challenges? This is the benefit of having domiciliary coverage, which is now a standard component of all the best health insurance policies! Your insurer will pay for medical bills, practitioner fees, medical equipment rental costs, and more in the two situations listed!

If you’re into alternative medicine — Think Ayurveda, Yunani, Siddha etc, then you might want to check if your insurer covers these treatment options as well.