Policy details
₹10.0L
20%
₹8,000
50%
3
On a ₹5L claim, your policy pays
₹5.0L
Claimed
→
₹2.1L
59% lost to fine print
41% paid
59% lost
Deduction waterfall (in order)
Claim amount₹5.0L
① Waiting period penalty-₹75,000
② Consumables excluded-₹40,000
③ Room rent reduction-₹1.3L
④ Disease sub-limit cap-₹0
⑤ Co-pay (20%)-₹51,333
Insurer pays₹2.1L
You pay from pocket₹2.9L
Effective coverage of your ₹10.0L policy
Based on these terms, your ₹10.0L policy effectively covers about ₹4.1L. Consider a no co-pay, no room rent limit policy for full coverage — or add a super top-up.