New Delhi, June 24 -- Many health insurance buyers focus on premiums and sum insured, but often overlook policy clauses that can significantly affect claim payouts. Hidden clauses such as room-rent caps, co-payments, deductibles, treatment sub-limits, waiting periods, and exclusions can increase out-of-pocket expenses, making it essential to understand the fine print before hospitalisation. Here's factors that influence how much of a hospital bill is typically covered under a policy and things to check during hospitalisation to minimise unexpected costs during a claim.

"The extent to which a hospital bill is covered under a health insurance policy is shaped by a combination of coverage design, cost-sharing provisions, and treatment-speci...