InsuranceFinancial Glossary
Sub-Limit
Definition
A cap on specific categories of medical expenses within your overall health insurance sum insured. Common sub-limits include room rent, ICU charges, ambulance fees, pre/post-hospitalization expenses, and treatment costs for specific diseases.
Why It Matters
Sub-limits are the primary way insurers keep premiums low while advertising high sum insured figures. A Rs 20 lakh policy with aggressive sub-limits may pay out far less than a Rs 10 lakh policy with no sub-limits. Always read the sub-limit schedule before comparing policies by sum insured alone.