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Many medical costs aren't covered by insurance, leaving you with adhoc bills
Insurance excludes OPD expenses, consumables, admission for evaluation, and some waiting periods
Policies may limit room rent coverage; if your room costs more, you'll pay the difference
Some policies require you to share costs, so be prepared to pay a portion of your medical bills
Consider add-ons like Consumables Cover, OPD Cover, and options to reduce waiting periods to minimize out-of-pocket expenses
Select comprehensive health insurance with no sub-limits or deductibles to ensure better coverage without unexpected expenses