Health Insurance Glossary (India)
Plain-language definitions of the health-insurance terms that actually decide your claim. Each definition is drawn from a full, evidence-backed guide — tap any term to read the detail.
- Co-payment
- A co-payment is a fixed percentage of every admissible claim that you pay, with the insurer covering the rest.
- Deductibles
- A deductible is the amount you pay before your insurer starts paying.
- Pre-Existing Disease (PED)
- A pre-existing disease (PED) is any condition you were diagnosed with or treated for before buying the policy — for example diabetes, hypertension, thyroid or asthma.
- Room Rent Limits
- A room-rent limit caps the hospital room charge your policy will pay, usually as 1–2% of the sum insured per day.
- Sum Insured
- The sum insured is the maximum your insurer will pay in a policy year.
- Super Top-up
- A super top-up adds high health cover cheaply by paying only above an aggregate deductible — the total of your yearly bills, not each claim.
- Waiting Period
- A waiting period is the time you must hold a policy before certain claims become payable.
- Why Claims Get Rejected
- Most health claim rejections are avoidable. The big causes are non-disclosure of a pre-existing condition, claiming during a waiting period, treatment under a policy exclusion, documentation gaps, and a lapsed policy.
C
D
P
R
S
W
8 terms · Definitions are summaries of our full guides. Spotted an error? Report an issue · How we work.