Health Insurance Sub-Limits

Sub-limits in health insurance are restrictions placed by the insurance company on the SP maximum amount they will pay for specific expenses that are part of the total hospital bill.

- Meghna Maiti

The balance has to be paid by the insured person. These expenses could include ambulance services, surgery fees, room rent, and consumables, such as gowns and gloves. The insurers' purpose is to prevent excessive spending by capping the reimbursement amount for certain expenses. Sub-limits may also help you cut down on the premiums as the claim liability of the insurer comes down. Let's learn about its other aspects.

TYPES OF SUB-LIMITS

• Usually, in most policies, the room rent comes under the sub-limits the clause and you should be most careful about these. That's because, usually, hospital bills are calculated as per the room rent.