Full cover on paper.
Half a cheque in hand.
50
Pct at which every charge linked to the room got settled, the moment he checked into a bed above his eligible limit. Surgery, nursing, doctor visits. All of it, halved.
Friend forwarded me his claim settlement last week. Rs 4 lakh hospital bill. The insurer paid 2.5. He holds a 5 lakh policy and did not come close to using it up. So where did the other 1.5 lakh go. Not the sum insured. The room. He booked a bed that cost more per day than his policy quietly allowed, and one line in the fine print did the rest.