The Hidden Costs of Being Underinsured: Why You Need the Best Health Insurance Policy in India

NEW DELHI [INDIA]: April 08: Many people have health insurance, yet still pay a large amount themselves during hospitalisation. This often happens because the policy is underinsured, not just because the sum insured is low, but because some limits and conditions reduce the payout. Rules around room eligibility, co-payment, treatment caps, and non-payable hospital charges can reduce your settlement even when the claim is genuine. In this guide, you will understand these hidden costs clearly and learn what to check while choosing the best health insurance policy in India.

What Underinsured Really Means

You are underinsured when your health cover cannot manage real hospital bills without making you pay a large share yourself. This can happen even if you are paying a decent premium, especially when the policy has strict limits and conditions.