Why your health insurance claim pays less than the hospital bill
An accepted claim can still leave room charges, excluded items or an agreed share for you to pay.
The health insurance guide
Understand your cover. Handle the hospital. Know what to do next.
For you, or the family member you are helping. Start with the situation in front of you, or browse one question at a time.
10 articlesBrowse all articles
What brings you here?
Choose a situation for a few articles in a useful order.
Browse the Guide
Every article, organised by section.
Buying insurance
4 articles
What to check before choosing a policy and paying the first premium.
A hospital bill: which savings would you use?
Could I pay the bill without putting other plans on hold?
4 minInteractive exampleWhat to declare when buying health insurance
Will a daily medicine or an old test need declaring?
5 minWhen does a health insurance deductible save money?
How much could the discount leave me paying in a claim year?
6 minWhat pays the EMI when illness stops your income?
Would our savings and existing benefits pay the family’s bills?
5 minRenewing and changing cover
1 article
Read a renewal notice and understand what changes when your circumstances do.
Why did my health insurance renewal premium rise?
Which part of the increase can the renewal documents explain?
5 minMaking a claim
3 articles
From the admission desk to the settlement letter.
Why your health insurance claim pays less than the hospital bill
There was enough cover. Why is part of the bill still mine?
6 minHospital admission: the health insurance checklist
What should I ask the hospital and insurer before admission?
5 minOffice cover and a personal policy: which pays first?
Can both policies help with one bill, and which cover remains?
5 minYour rights
1 article
Understand a disputed decision and how to ask for a review.
Claim rejected or reduced? How to ask for a review
What should my complaint say, and when can I escalate it?
7 minHow insurance works
1 article
The mechanisms behind a policy, explained through examples.
A larger base policy or a super top-up: what changes?
Who would pay the deductible if office cover ended?
6 minAbout the Guide
Clear explanations, with the sources beside them.
Each article works through a practical question, with examples and sources you can open. The checked date tells you when its sources were reviewed. If something needs correcting, use Report an error beside the article’s sources. Reports reach us privately.