THE FLORENTE GUIDE · HEALTH INSURANCERead the schedule with the wording
The policy schedule states your selected cover; the wording explains when it applies. Check both rather than relying on a sales summary.
Separate benefits from limits
Cashless access, restoration and no-claim bonus may have conditions. Room category, co-payment and exclusions can still affect what is payable.
The details to put side by side.
Co-payment
Check whether you pay a share of each eligible claim, and when that share applies.
Waiting periods
Ask when cover starts for existing conditions and specific treatments.
Room and treatment limits
Read room eligibility and any caps on particular treatments alongside the total cover.
Hospital access
Confirm your preferred hospitals with the insurer and understand the cashless process.
Compare the conditions, too.
Two policies can show the same cover amount but have different co-payments, waiting periods or treatment limits. Put those details next to the premium before deciding what to ask the insurer.
Bring these to your conversation.
- Names and ages of the people you want to cover.
- Your existing policy schedule and renewal date, if you have one.
- Questions about medical history, ongoing treatment and the insurer’s disclosures.
- Your preferred hospitals and any policy options you have shortlisted.
Your next step
Use the checklist, review the insurer’s current policy documents, and write down anything you want clarified before you choose.
Open your checklist