Policy360 Secure · 19 August 2026
Premium alone never tells the full story.
When we shortlist three health insurance options for you, we compare them on the points that decide whether a claim is paid smoothly:
1. Room rent and category limits — a capped room category can proportionately reduce your entire claim. 2. Waiting periods — pre-existing conditions, specific ailments and maternity all carry different waiting clauses. 3. Sub-limits and co-pay — some plans cap cataract, knee replacement or ICU charges. 4. Restoration and no-claim bonus — how the sum insured behaves after a claim. 5. Network hospitals near you — cashless convenience matters most on the day of admission.
Once these are on one sheet, the right choice is usually obvious. We explain the difference and recommend the option that fits best — the final decision always remains yours.