Online Health Insurance: Avoid These Costly Mistakes

• Don't choose policies solely based on low premiums; strict limits (room rent, co-payment, sub-limits) can lead to higher out-of-pocket costs during claims.
• Always disclose pre-existing health conditions, past surgeries, medications, and habits to avoid claim rejection.
• Understand the waiting periods for specific diseases and maternity benefits, as coverage isn't always immediate.
• Be aware of room rent limits in your policy; choosing expensive rooms can lead to deductions in overall claim amounts.
• Verify if the hospital is in the insurer's network for cashless treatment; otherwise, you'll need to pay upfront and seek reimbursement.

Why It Matters: Avoiding online health insurance mistakes ensures successful claims.