Journals › Basic Terminologies
Waiting period, sub-limits, room rent capping aur claim ka process
Published by The Retail Trader · JUL 30, 2026 · Retirement & Insurance
Health policy chunte waqt log sirf sum insured aur premium dekhte hain. Claim ke waqt jo cheezein maayne rakhti hain, wo aksar policy ke andar chhoti print mein hoti hain.
Har policy mein ek initial waiting period hota hai, aur pre-existing conditions ke liye alag lamba waiting period. Kuch specific bimariyon ke liye bhi alag period hota hai.
Isliye policy zaroorat padne se pehle leni hoti hai — bimari ke baad li gayi policy us bimari ko aksar cover nahi karti.
Claim ke waqt yahi cheezein bill ka hissa aap par daal deti hain:
• Room rent limit — usse mehnga kamra lene par poora bill proportionately kat sakta hai.
• Disease wise sub-limits, jaise kuch procedures par alag cap.
• Co-payment clause, jisme har claim ka ek percentage aapka hota hai.
• Network hospital hone se cashless milta hai, warna reimbursement.
Sabse sasta plan aksar sabse zyada clauses wala hota hai. Premium ke farq ko us farq se compare karo jo claim ke din aapki jeb par aayega — asli daam wahi hai, premium nahi.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.