Your ₹10L health insurance
actually covers ₹4.2L.
PolicyBazaar compares premiums. We compare what your policy actually pays when you need it. Co-pay, sub-limits, waiting periods — the full truth.
Typical ₹10L health policy — what you actually get
Based on average policy terms across top 5 insurers
Insurance guides
Your ₹10L health policy covers ₹4.2L — the full breakdown
Co-pay, room rent sub-limits, disease-specific caps, consumable exclusions, and pre-existing waiting periods. Every deduction explained with math.
Claim settlement ratios 2026: which insurer actually pays?
We ranked every major health insurer by the percentage of claims they approve. Some 'cheap' policies reject 15% of claims.
Term insurance: ₹1Cr cover is actually worth ₹92L
Claim settlement ratio × sum insured = what your family actually gets. We calculated it for every major term plan.
Room rent trap: how ₹8K sub-limit turns a ₹5L surgery into ₹3L
Room rent caps don't just limit room cost — they proportionally reduce every other charge. The math is worse than you think.
Health insurance for parents: what to check before buying
Pre-existing waiting periods, co-pay clauses, and network hospitals matter more than the headline sum insured.
Co-pay vs no co-pay: is the premium difference worth it?
A 20% co-pay saves you ₹3K/year in premium but costs ₹1.6L if you make a claim. We run the expected value math.