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In 2024, health insurance companies rejected health claims worth ₹26,000 crores in India.
Why? Because most health policies have hidden rules that no one tells you about — like sub-limits, room rent caps, co-payment, and more.

This video covers 9 commonly found clauses in health insurance policies that may limit your claim. Some of these clauses can be restrictive, while others serve important functions within the insurance system.

Please note, not all the rules discussed in this video are inherently negative. The “awful meter” is used purely as a storytelling device to help viewers understand the potential impact of each clause.

For instance, the Reasonable and Customary Charges clause exists to protect insurers from inflated or excessive billing and helps maintain affordable premiums for policyholders.

Similarly, day care treatments — which refer to procedures requiring less than 24 hours of hospitalisation due to medical advancements — are now included in most health insurance plans. However, if such coverage is missing from your policy, it may be worth reconsidering your choice.