Health Insurance Shock: Why You Still Pay Big Even With Coverage!
Your Money
M
Moneycontrol•09-01-2026, 14:51
Health Insurance Shock: Why You Still Pay Big Even With Coverage!
- •Despite high coverage, policyholders often pay significant amounts due to overlooked terms.
- •Room rent limits are a major factor; exceeding the limit leads to proportional deductions on other expenses.
- •Sub-limits for specific treatments or illnesses mean only a capped amount is covered, regardless of overall policy value.
- •Consumables like gloves, masks, and certain injections are often excluded from coverage.
- •Insurance companies have package rates with hospitals; patients pay the difference if the bill exceeds this rate.
Why It Matters: Understand health insurance policy terms and sub-limits to avoid unexpected out-of-pocket expenses.
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