Got a health insurance policy? Great!
Is your health policy good enough? Let’s find out.
Find gaps in your policy with Policy analyser.
Choosing a health insurance policy can be confusing. With so many plans, fine print, and coverage options, it’s easy to assume your policy takes care of everything. But the truth is, not all policies cover what you really need.Here’s how you can find out if your health policy truly has your back, and what to do if it doesn’t.
Got a health insurance policy? Great!
Is your health policy good enough? Let’s find out.
Find gaps in your policy with Policy analyser.
Every policy has a list of what’s included and what’s not in your health plan. It sounds pretty basic, but most people often tend to skip reading the fine print.
Make sure your plan clearly lists:
Will your current cover be enough if you’re hospitalised today?
Does it cover tests, medicines, and follow-ups before and after hospital stays?
How much will you pay out of pocket per claim?
Does your plan have limits on certain treatments or room rent per day?
Tip: Spend a few minutes going over your policy. A quick glance at what’s covered (and what’s not) can save you from big surprises later.
| Type of Limit | What It Means | Why It Matters |
| Room Rent Limit | A cap on how much your insurer pays for daily hospital room charges | If you pick a higher room category, you may have to pay the difference |
| Sub-Limits | A maximum payout for certain treatments (like cataract or joint replacement) | Can reduce your reimbursement even if your sum insured is high |
| Waiting Periods | Time before certain illnesses or pre-existing conditions can get covered | Decides when your coverage actually begins |
| Co-Pay Clauses | A fixed percentage of the claim amount you pay from your pocket | Increases out-of-pocket costs per claim |
Life changes, so should your health insurance. A plan that worked years ago might not fit your current lifestyle.
Tip: Check your plan every year or at least, after any major life change to adjust your sum insured or other details. This can make sure everyone’s protected.
Having health insurance is important for emergencies but it doesn't just stop there. It should also help you stay healthy and manage long-term conditions.
Look out for:
Tip: A policy that supports preventive care helps you save more in the long run, both financially and health-wise.
Some policies cover the basics but skip out on extra features that can make managing medical costs and care easier.
Tip: Even small upgrades like adding a top-up, including dependents, or increasing your sum insured can make a big difference.
If reading through your entire policy sounds overwhelming, you’re not alone. The good news is, you don’t have to do it by yourself.
With the free Health Insurance Policy Analyser, upload your policy from any insurer and instantly find out:
It’s simple, fast, and helps you see whether your health insurance really covers what matters most.
Having health insurance is important, but understanding what it actually covers is even more important. With simple tools like Policy Analyser and a quick review, you can get a clear picture of your coverage and take charge of your protection.
After all, you don’t need to be an insurance expert to make sure your policy works for you.
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Reviewed by Dr. Harshita Dahiya 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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