Avoid these common errors before you buy or renew.
In this guide
Relying only on employer cover
It ends when you leave the job. Hold a personal policy too.
Choosing on price alone
Co-pay, room-rent caps and sub-limits can make a cheap policy expensive at claim time.
Hiding medical history
Non-disclosure is a common reason claims are rejected.
Buying too little cover
A single serious illness in a metro hospital can run into several lakhs.
Key takeaway. Compare benefits, not just premiums, and disclose everything.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.