Five Health Insurance Features That Determine Real Hospital Coverage

Health insurance helps pay hospital bills, but the biggest number on a policy is not everything.

A room-rent limit can increase what you must pay yourself.

A waiting period may delay coverage for illnesses you already had.

A refill benefit can restore coverage after you use it, but its rules differ by policy.

A co-pay means you must pay part of the eligible bill.

Disease-wise sub-limits can restrict payments for particular treatments.

Checking these five features can help you understand how much protection your policy really provides.

The article also says Indian consumers are choosing larger term-insurance covers and more riders after a GST exemption.

This shows that buyers are paying more attention to the quality of insurance protection, not just owning a policy.