Health Insurance Online: Avoid These 7 Mistakes for Full Claims in 2025

• Beware of choosing the cheapest premium; it often hides trade-offs like co-pay, room rent caps, and sub-limits that can reduce claim payouts.
• Understand room rent limits and their "proportionate deduction" effect, which can significantly cut your claim even for minor room upgrades.
• Always disclose your full medical history, as non-disclosure is a primary reason for claim rejection, despite quick online forms.
• Pay close attention to waiting periods for pre-existing diseases, maternity, and specific treatments, as coverage isn't always immediate.
• Ensure your sum insured is adequate for medical inflation and local hospital costs; low cover can lead to significant out-of-pocket expenses.

Why It Matters: Don't rush online health insurance; scrutinize clauses like co-pay, room limits, and waiting periods.