Indian health insurance plans — decoded

Known traps

• ▸Aggregate deductible — total claims in a policy year must cross deductible BEFORE top-up activates. Single big bill = good; multiple small bills = deductible not met.
• ▸Cashless requires deductible to be settled first (either via base policy or out-of-pocket).

Known traps

• ▸Aggregate deductible mechanics — confirm whether single hospitalisation or annual aggregate triggers top-up.
• ▸PED waiting 36 months — same as base plans (top-up doesn't reduce PED).

Known traps

• ▸Aggregate deductible — confirm trigger mechanics in policy wording.
• ▸PED waiting 36 months — top-up doesn't reduce PED inherited from base.

Known traps

• ▸Aggregate deductible — claims must cross threshold within policy year for top-up to activate.
• ▸No room rent cap (a positive), but other HDFC ERGO hospital definition rules apply.