# Avoid these 5 common health insurance traps for full cover 2026-08-16T07:58:49+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet Health insurance policyholders risk losing out on claims due to hidden exclusions, room-rent caps, and sub-limits, Livemint reports. Even a cashless policy does not mean every expense is covered, items such as gloves, consumables, and PPE kits are often excluded unless a rider is added. Insurers may also invoke a 'reasonable and customary' clause to cap what they pay. A room-rent limit can multiply the shortfall: exceeding the daily cap means the insurer proportionately reduces all associated costs, not just the room bill. Sub-limits on modern treatments such as robotic surgery can slash a large claim to just a few lakh. Hiding pre-existing conditions like blood pressure risks claim rejection, as insurance is a contract of good faith. Livemint advises policyholders to check exclusions and R&C terms before buying, opt for plans without room-rent capping, and disclose full medical history. Buying solely for the lowest premium may leave a policyholder underinsured against rising treatment costs. ## Coverage - livemint.com This story was synthesised by AI from the source linked above. Tags: health insurance, IRDAI, Livemint Canonical: https://indianopinion.org/avoid-these-5-common-health-insurance-traps-for-full-cover/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/avoid-these-5-common-health-insurance-traps-for-full-cover/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes. How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/