I recently bought health insurance for few family members. The kind of person I'm, this meant an uncontrollable spiral into research

I read through at-least

- 15 policy documents,
- handbooks+circulars published by IRDAI (the regulatory authority),
- and several blogs

Though I didn't particularly enjoy the verbose obfuscations that policy documents are, I ended up learning a lot about what to look for while buying Health Insurance

I will share some of my observations, hoping that it helps those who don't enjoy reading policy wordings as much as I do

**10 things to remember while buying health insurance**

1. Room charges - If you are in Bangalore, the average room rent for a single room is ~8k/day.

Now the fun part

The room rent across major Insurers is generally capped to 1% of Sum Insured(SI) per day; which means if your SI is 5 lakh, the insurer WON'T pay more than 5k/day

Note - SI is the industry jargon for insurance cover

ICU room charges are generally capped to 2% of SI; which means if your SI is 5 lakh, the insurer will NOT pay more than 10k/day

If you have had experience with ICU charges, 10k/day is nothing for ICU