ASIMPLE GUIDE TO INSURANCE unt 4Don't split the bill Insurers might nudge you to consider a co-payment clause, in which case, you'll be forced to foot a part of the bill each time you make a claim. This could be 10%, 20%, or even 30% of the bill. This might not be the best option unless you have no choice, or are purchasing for elderly citizens. ~~ Your part \ + of bill “@Restrictions on room & room rent Some insurers won't let you pick a room you like. Instead, they'll have a limit on room rent. And if you breach this limit, they'll make you pay extra for every little service rendered in the room and not just the rent. So opt for a policy that doesn't have too many restrictions on this front.Check for Disease Wise Sub-limits It's what happens when the insurer offers you a massive cover (say 10 lakhs) for a modest fee, only to include restrictions on how much of this cover will be available for each disease. You'll likely end up having only a part of the 10 lakhs available in most cases.Opt for pre and post- hospitalization care Nobody falls sick right off the bat. Youll likely have to go through a host of diagnostic tests before hospitalization. And, once you're discharged, there’s medication to worry about. Since these costs can add up, it's best to pick a policy that covers pre & post-hospitalization care.Seek a Low Waiting Period If you have pre-existing diseases (including diabetes, blood pressure, or thyroid-related illnesses), you might have to wait a fixed period (typically 2-4 years) before your insurer starts covering claims arising out of them. It's best to pick a policy where you don't have to wait a lot.Coverage for daycare treatments Chemotherapy, dialysis, a quick appendectomy. All of these procedures might last less than 24 hours. And even if you're hospitalized to avail treatment, some insurers might not cover these claims, because they don't do “daycare treatments’.Ask for restoration benefit You buy a policy for the family. You're hospitalized. You make a claim and your cover runs out. A few days later, someone else in the family falls sick, But you've already used up the cover. What can help you here is a restoration benefit ie. if your insurer restores your cover each time you make a claim. If not every time, maybe at least once? It's possible. You need only ask. eee Looking to buy a health plan? Talk to Ditto today for honest, unbiased insurance advice. ea merst ited]