Health insurance is essential, but policy wording matters more than brochure highlights.

✅ What to Look For

• Room rent limits or room rent waiver
• Pre & post-hospitalization coverage
• Restoration / refill benefits
• Network hospitals in your city

⚠️ Common Health Insurance Loopholes

❌ Hidden sub-limits
Caps on room rent, ICU charges, surgeries, or specific diseases are often not highlighted.

❌ Waiting periods not explained clearly
Pre-existing diseases, maternity, and specific treatments may have 2–4 year waiting periods.

❌ “Cashless” doesn’t mean zero payment
Non-medical expenses and limits can still result in out-of-pocket costs.

👉 Expert tip:
Always check sub-limits, exclusions, and waiting periods before buying.