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5 Key Features to Check Before Buying a Health Insurance Policy

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Choosing a health insurance policy requires careful evaluation of several critical clauses that can affect actual coverage. The room-rent clause determines how much the insurer will pay toward hospital accommodation costs. Pre-existing disease (PED) waiting periods define how long before certain conditions are covered, while disease-wise sub-limits can cap payouts for specific illnesses. Restoration benefits and co-pay requirements also significantly impact out-of-pocket expenses during a claim. Experts advise policyholders to scrutinize these five features to ensure their plan provides meaningful financial protection.

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5 Key Features to Check Before Buying a Health Insurance Policy · ShortSingh