Policy details
₹10.0L
20%
₹8,000
50%
3
On a ₹5L claim, your policy pays
₹5.0L
Claimed
→
₹79,334
84% lost to fine print
16% paid
84% lost
Where your claim gets cut
Claim amount₹5.0L
Room rent reduction-₹1.7L
Disease sub-limit cut-₹1.7L
Co-pay (20%)-₹33,333
Consumables excluded-₹40,000
Waiting period penalty-₹14,000
You pay from pocket₹4.2L
Effective coverage of your ₹10.0L policy
Based on these terms, your ₹10.0L policy effectively covers about ₹1.6L. Consider a no co-pay, no room rent limit policy for full coverage — or add a super top-up.