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Sum insured fit: Match the sum insured to your city’s hospital tariffs and your family size. Metro bills are usually higher. Network strength: Verify that your preferred hospitals are part of the insurer’s cashless network. Call the hospital desk to confirm the current tie-up. Room eligibility: Choose between a single private room and a room with no rent cap to avoid proportionate deductions. Sub-limits and caps: Review caps for specific treatments such as cataract, joint replacement, or maternity if offered. Pre-existing conditions: Note waiting periods and how they apply to declared illnesses. Understand permanent exclusions, if any. Co-pay and deductibles: A higher co-pay can reduce premiums, but increases your share of the bill. Choose what you can comfortably afford. Restore and no-claim bonus: Understand whether restoration triggers on the same illness and if the no-claim bonus is cumulative or reduced after a claim. Day-care and OPD: Many procedures no longer need 24-hour admission. Check the list of day-care treatments and any OPD or tele-consult features. Ambulance, domiciliary, and consumables: These small items add up in a real hospital bill. Confirm how the policy treats them. Portability and service: If you plan to move from another insurer, check portability timelines and documents required.
