Co-Pay vs. Deductible vs. Sub-limits — The Silent Killers
Insurance is supposed to pay your bills, but these three clauses are the “exceptions” where YOU pay. If you don’t understand the difference between a 20% co-pay and a ₹1 Lakh deductible, you might buy a “cheap” policy that costs you lakhs in the hospital.
- The “Senior Citizen” Trap: Why a 20% co-pay on a ₹15 Lakh surgery can wipe out a senior’s retirement savings.
- Deductible vs. Co-pay: Why a deductible is often a “Good” risk, while a co-pay is almost always “Bad”.
- Disease Caps: How a sub-limit on major surgeries can turn a comprehensive policy into partial coverage.
Watch this video to master the “Fine Print” math and choose a policy where the insurer actually carries the risk.