Journal
Room rent limits: the one line that cuts your whole claim
Why a ₹5,000 limit can cost you ₹1 lakh, and how to check yours in two minutes.
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Your parents probably aren’t on your family floater“Family” on the cover doesn’t mean your family. Here’s where to look.A family floater covers the people named on the schedule, nobody else.
Waiting periods, explained with real dates30 days, 2 years, 3 years. Which clock is running on your policy.Three clocks: 30 days, specific illnesses, pre-existing diseases.
Co-pay: when you pay 10–20% of every claimIt hides in senior-citizen plans and non-network hospitals.A co-pay is a share of every claim you pay yourself.
Renewing next month? Check these five lines firstRenewal is the only time you can fix most of them.Renewal is when you can fix your cover.
Section 80D: what your premium saves in taxUp to ₹25,000 for your family, and ₹50,000 more for senior-citizen parents.Section 80D works only under the old tax regime.
Cashless was denied. What now?A denied cashless request isn’t a denied claim. The next 48 hours matter.A cashless denial is not a claim rejection.
Day-care treatment: covered without staying the nightCataract, dialysis and chemotherapy usually don’t need 24 hours in hospital to be claimed.Day care is covered without a 24-hour stay.
No-claim bonus: the cover you didn’t know you hadA few claim-free years can add lakhs to your cover. Here’s how to see yours.A claim-free year can add 10–50% to your cover.
Your office health cover ends when your job doesGroup cover is useful. It just isn’t yours to keep.Group cover ends when your job does.
Want to know what yours says?Upload your policy. Every finding comes with the page it’s on.