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One year of hospital bills against five real policies - every rupee simulated from the insurers' own policy documents.
Construct a health year by adding bills and see how different policies adjudicate them. Select any policy to inspect its payout mechanics.
Same bills, same cover, same year - only the policy changes; tap a row to inspect it bill by bill.
* Bills total ₹19.0 Lakh. Policies other than the one you're inspecting run with their default optional benefits.
Run a realistic medical year through all policies live
Load a medical year - or shape your own bills - then watch one policy adjudicate each bill, live.
Run a realistic medical year through all policies live
₹10.0 Lakh available → ₹3.0 Lakh left
₹0 available → ₹0 left
Only available from claim 2 of the policy's lifetime
None of this is secret - it is all in the policy wording, written to be exact rather than easy. Each lesson below ends in a button that loads its scenario into the simulator above, so you can watch the rule play out across all five policies. Worked examples assume a ₹10 Lakh base cover.
A health policy is not one pot of money. It is a small stack of pots, and the wording spends them in a fixed order - base cover first, then extra cover, then bonus, and the refill last. The brochure adds them all into one big number; the wording never spends them that way.
Insurers name these pots themselves, and the same name can mean different pots in different products - Plus Benefit is a day-1 extra pot in Care Supreme but a year-by-year bonus in Optima Secure. Tap each layer to see what it does and what it is called on the shelf.
Every claim starts at the bottom pot and climbs only as each pot empties. The simulator draws this exact stack for every bill you add.
One ₹25 Lakh hospital bill · both policies bought at ₹10 Lakh cover · policy year 1
On the shelf: ₹10L cover · unlimited refill
On the shelf: ₹10L cover · +100% extra · refill
Same ₹10 Lakh on the brochure - one leaves ₹15L on you, the other ₹5L. The difference is entirely in which pots count toward the per-bill limit.
For any one hospital stay, a policy pays at most your base cover plus whatever is left in the extra-cover and bonus pots at that moment. Most refills do not count toward this maximum - refilled money is meant for the next admission, not the one running. (The reload type in Lesson 3 is the exception.)
Two fine points: the limit always counts your base cover at full value, and a top-up refill can stand in for base that earlier bills have spent. But bonus money already spent stays spent - so the limit itself shrinks as the year gets rough. Care Supreme sells one more exception: its optional Unlimited Carelifts the maximum entirely, for one claim, once in the policy's lifetime.
Every refill answers two questions, and the answers tell you which kind you own:
Every refill in these five policies answers yes to Q2. Only the reload type answers yes to Q1 - that is the whole difference. In the demo, both ₹9 Lakh bills get paid by every policy; open the money-pots view on bill 2 to see which pot pays it.
When a claim drains your cover, the pot fills back up. But the refilled money is meant for a later, separate admission - inside the bill that is running it can only stand in for base cover already spent. It can never stretch that bill past the per-bill limit.
Optima Secure (once a year; unlimited on Lite) · Star Health (unlimited) · Care Supreme (unlimited)
A reload adds up to a full extra base cover to the very bill that is running- so one hospital stay can be paid above your base cover. ReAssure's Forever switches on at your first-ever paid claim and never switches off; Activ One's Super Reload works from your second-ever claim (from the first on its NXT plan).
ReAssure 3.0 (ReAssure Forever) · Activ One (Super Reload)
| The two questions to ask | Top-up | Reload |
|---|---|---|
| Can it stretch the running bill past the limit? | ✕ No | ✓ Yes |
| Is my cover back for the next admission? | ✓ Yes | ✓ Yes |
Star Health treats a readmission for the same illness within 45 days as part of the same claim - so refilled cover cannot be spent on it. Take the same two ₹9 Lakh bills and change one thing: bill 2 is now a relapse. The other four policies here refill for a relapse too.
Star Health Assure · ₹10 Lakh cover · bill 2 of the two ₹9L bills
The refill steps in behind your ₹1L of leftover base - the bill is paid in full.
The refill is blocked - ₹1L of leftover base is all that faces a ₹9L bill.
Loyalty bonuses all sound alike - "your cover grows every year." What differs is everything that matters: whether a claim year still earns it, how fast it climbs, where it stops, and what happens once a bill drains it. Load a year-5 bill and compare the pot sizes the same five policies have built by then.
Renewal alone earns it - a hospital stay does not pause it.
Optima Secure (Plus, +50%/yr → +100%) · Care Supreme (+50%/yr → +100%) · Activ One MAX (Super Credit, +100%/yr → +500%)
A claim year pauses the growth, and heavy claims can shrink what you had built.
Star Health (+25% per claim-free year → +100%)
Whatever base cover you did not use this year rolls into the next.
ReAssure 3.0 (Booster+ - up to 10× your base cover)
A bonus is a pot, not a promise: money a bill drains from it is gone till renewal - and the per-bill limit shrinks with it.
True of every bonus here
Honest edges - so you read the results as sum-insured behaviour, not a full claim promise.
Individual cover only - family-floater sharing rules are not modelled.
In a year-5 scenario the bonus pots appear at full growth. For Star and ReAssure, claims in earlier years would have slowed them.
Room-rent caps, disease sub-limits, deductibles and claim admissibility are separate rules, deliberately not modelled here.
Built to reproduce the claim illustrations printed in each policy's own documents. Still - confirm with the policy wording before you buy.