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₹10 lakh health insurance does not mean ₹10 lakh payout; here’s why insurers may pay less than hospital bill

9 Sept 2026 · 9 Sept 2026

A ₹10 lakh health insurance policy does not always mean the insurer will pay ₹10 lakh of your hospital bill. Room-rent caps, sub-limits, co-payments, deductibles and non-medical expenses can reduce the final claim payout.

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