InsuranceScope Terms

Term

Disease Sub-limits

Disease sub-limits cap payouts for specific illnesses even if your total cover is high.

What it means

A policy may offer a high overall sum insured, but still set lower treatment-wise caps. For example, cataract may be capped at ₹50,000 or knee replacement at ₹2 lakh regardless of total policy cover.

Why it matters

  • When a treatment bill exceeds the disease sub-limit, the extra amount must be paid by you.
  • Sub-limits can significantly reduce claim value for expensive planned surgeries.

Practical tips

  • Always check disease-specific caps in the policy schedule, not just total sum insured.
  • Compare sub-limits for common treatments like cataract, joint surgery, and maternity.
  • For expected procedures, estimate likely hospital cost before selecting a plan.
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