Health Insurance Terms Explained

A clause where you pay part of the hospital bill. Even a small co-pay can increase your final cost.

A cap on your hospital room charges. Choosing a higher room can reduce payouts for the whole hospital bill.

The time you must wait before certain illnesses are covered by your policy.

Certain illnesses have payout caps — even when your policy cover is large.

Your sum insured refills after a claim — but the refill usually comes with conditions.

Cashless treatment works only in network hospitals — others require reimbursement.