Imagine that the hospital bill comes to ₹6 lakh and your health insurance policy pays only ₹2 lakh. Then the question arises – whose fault is it? The truth is that 90% people do not review the policy for years after taking it and this negligence becomes a huge loss. Medical inflation is increasing by 13–15% every year.

ICU, surgery, medicines and hospital charges are becoming increasingly expensive, while many policies are still running on 5–10 years old coverage. In big cities like Delhi-Mumbai, treatment is 30–50% more expensive. In this video, know why sum insured review is necessary every 1-2 years, how super top-up plan gives more protection at less cost.

And how does room rent or illness reduce the sub-limit claim? Also understand why day care, pre-post hospitalization, mental health cover, NCB protection and unlimited restoration are necessary in modern health policy. Remember, health insurance is not tax saving, it is future protection.