🩺🏥These 8 Things Must Be Included in Your Health Insurance Plan... While purchasing a policy, it is essential to keep certain basic factors in mind to ensure that you receive the maximum coverage when making a claim. Let’s understand the possible mistakes while choosing a policy and how to avoid them. 1. No Room Rent Capping: Your insurance should not have room rent capping. If there is a limit, you will have to bear the additional cost beyond that limit. 2. No Co-payment: Some policies have an 80:20 co-payment clause, meaning the insurance company covers 80% of the bill, and you need to pay 20%. Opt for a no co-payment policy. 3. No Sub-limit: Some insurance policies come with sub-limits. For instance, they may allow a maximum claim of ₹2 lakh for cancer treatment. Choose a policy with no sub-limits. 4. Are PPE and Equipment Covered? PPE kits, syringes, and nursing charges make up about 5-10% of the bill. Ensure your insurance covers these expenses. 5. Restore Benefit: If your coverage is ₹10 lakh and you claim the entire amount for an illness, a restore benefit ensures that you get another ₹10 lakh coverage in the same year if needed. 6. Waiting Period Should Not Exceed 2-3 Years: The shorter the waiting period, the better the policy. Ensure it is not more than 2-3 years. 7. No-Claim Bonus of Up to 50% or 2x the Cover: Check if your policy offers a no-claim bonus that can increase your sum insured up to twice the original coverage. 8. Pre and Post-Hospitalization Coverage for at Least 60 Days: Ensure that your policy covers medical expenses for at least 60 days before and after hospitalization.