Mumbai (Maharashtra) [India], January 22: Buying health insurance often feels straightforward: pick a sum insured, compare premiums, and assume you are covered up to that limit. The surprise usually comes at claim time. Many health insurance plans apply sub-limits that cap what the insurer pays for specific parts of the hospital bill, even when your overall coverage looks sufficient. These caps can raise your out-of-pocket spend, and they still apply in cashless admissions because cashless is only a payment method, not a promise of full…
