Sub-limit clauses reduce health insurance payouts

Health insurance sub-limit clauses cap coverage for specific treatments like room rent or surgeries.

Policyholders with high sum insured may still face out-of-pocket costs due to sub-limits.

Common sub-limits apply to room rent, ICU charges, and certain surgical procedures.

Experts advise reading policy documents carefully to understand sub-limit conditions before purchase.

Regulator IRDAI has mandated clear disclosure of sub-limits in policy wordings.