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2.1%First documentHealth Insurance Premium: How to Evaluate Real Value Before BuyingOpen original ↗
Second documentHealth Insurance Plans: Buy Online @ ₹15.12/Day* | ManipalCignaOpen original ↗
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Why is the cheapest health insurance plan not always the best?
Cheaper plans usually carry lower sum insured, more sub-limits, higher co-payment or weaker networks. These trade-offs become visible only at claim time.
Common Mistakes to Avoid When Buying Health Insurance
Chasing the lowest premium . The cheapest plan may carry restrictive sub-limits or a thin network. Judge value, not price alone. Withholding health information . Non-disclosure can jeopardise claims. Always declare existing conditions honestly.
Lever 2: Sub-Limits That Quietly Cap Your Claim
Sub-limits are caps placed on specific expenses inside a policy - room rent, ICU charges, certain surgeries, doctor consultations and so on. They reduce the insurer's exposure and sometimes the premium, but they also reduce what you actually receive.
Sub-Limit & Room Rent Limit
A sub-limit is a cap within your overall cover on what can be claimed for a particular expense or treatment. A room rent limit is a specific sub-limit on the category or cost of your hospital room. Plans with fewer sub-limits generally give you a smoother claim experience.