Though this is the popular belief, this is not how a health policy works. There are various sub-limits set for specific treatments, doctor’s consultation fees, pre-planned surgeries such as hysterectomy cataract removal, joint replacements, etc. You cannot claim more than the set sub-limits. Further, there are room rent limits and doctors fees, surgery charges, ICU charges, lab test charges are at times linked to the room rent limit and paid proportionately.
