It is a cap on expenses like room rent, ICU charges & doctor’s fees. Having a sub-limit for basic expenses can pose a problem. So, the fewer the sub-limits, the better the plan.
You are required to pay a percentage of the medical expenses. Check this especially when you are getting a policy for seniors. The lower the co-pay amount, the better.
Insurance policies don’t cover all medical conditions. For pre-existing conditions, they may have a waiting period. So, get a policy with the shortest waiting period.
It refreshes your sum insured if it’s used up within a year. Some insurers allow unlimited restorations while others cap it just once. So, more restorations may drive up premiums
Insurance policies cover annual tests. Check centres do these check-ups, the types of tests included and if you can avail them on a cashless basis.
Many plans cover treatment expenses before and after hospitalisation. Get a plan that offers at least 30 days of pre-hospitalisation treatment and 30-60 days’ care after discharge
Having home healthcare options in your insurance plan can be advantageous, assuming this added feature doesn’t significantly increase your premium.