New Delhi, June 5 -- Rising healthcare costs have made hospitalisation increasingly expensive, but many policyholders are surprised when insurance does not cover the entire bill. Knowing what influences claim payouts and taking a few precautions beforehand can help minimise out-of-pocket expenses and avoid unpleasant surprises during claim settlement. Here's what you need to know

Several factors determine how much of a hospital bill gets covered under a health insurance policy.

"To begin with, room category eligibility plays a significant role. If a policyholder opts for a room beyond the entitled category, most associated expenses get paid proportionately, often resulting in a surprisingly large out-of-pocket burden. Additionally, Non-...