What is Aggregate Deductible in health insurance?

An optional feature on every plan: you agree to pay the first fixed amount of admissible expenses each policy year yourself, from ₹10,000 up to ₹25 lakh depending on the plan, and the insurer pays only above it. It resets every policy year. You can choose it at inception or at a renewal and raise it later, and once in the life of the policy you can reduce or waive it after 5 continuous years, subject to age limits.

You can choose a voluntary deductible from ₹10,000 up to ₹5 lakh, capped at 20% of your Sum Insured. It works across the whole policy year: you pay hospital bills yourself until they add up to that amount, and the policy pays only after that. Once chosen it cannot be reduced or dropped, and it is not offered on the Unlimited Sum Insured.

You can choose an Aggregate Deductible of Rs. 25,000, Rs. 50,000 or Rs. 1 lakh and cut the premium by 15% to 50%. You then pay hospital bills yourself until that amount is used up in the policy year, and only after that does the insurer start paying. The deductible does not reduce your sum insured.