Due to growing awareness of health insurance and the surging cost of medical treatment, many now prioritise obtaining coverage. While this is a positive trend, many still struggle to fully understand the fine print of policies and the influence of clauses on claim experience.
Clauses such as room rent caps, deductibles, and co-pay options are often buried deep in policy documents but can have a massive influence on the claim process. As a result, even if individuals avail of comprehensive cover, they run a high risk of claim denials or reduced settlement amounts during hospitalisation.
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