Health Insurance Shock: Why Your 'Full Cover' Policy Still Leaves You Paying Big Bills
Business
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Moneycontrol•08-01-2026, 14:02
Health Insurance Shock: Why Your 'Full Cover' Policy Still Leaves You Paying Big Bills
- •Many policyholders discover room rent limits and sub-limits only when claims are partially approved, leading to unexpected out-of-pocket expenses despite sufficient cover.
- •Room rent limits cap daily room costs and can trigger proportionate deductions on the entire hospital bill, affecting nursing, doctor fees, and even procedures.
- •Sub-limits place caps on specific treatments (e.g., cataract surgery, knee replacement) regardless of the overall sum insured, shifting risk to the policyholder.
- •Both room rent and sub-limits can apply simultaneously, drastically reducing the final approved claim amount and leaving patients with significant unexpected costs.
- •While insurers use these to control costs, policyholders often perceive them as hidden traps; reviewing policy wording for these clauses is crucial before buying or renewing.
Why It Matters: Hidden clauses like room rent and sub-limits drastically reduce health insurance payouts, demanding careful policy review.
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