New Delhi, July 11 -- Buying a proper health insurance policy can shield you from spending large sums of money on hospital bills. While a comprehensive policy with a high sum insured that covers most illnesses can be effective in managing high hospitalisation expenses, it does not mean everything is covered.

Many policyholders get nasty surprises only during hospitalisation. This is mainly due to several limitations buried in the policy terms and conditions, resulting in high out-of-pocket expenses.

One of the biggest reasons for this is the way health insurance is sold. In a highly competitive market, policies are often marketed on the basis of premium affordability and sum insured, while important conditions are largely overlooked.

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