Health Insurance Coverage-Gap Checklist

A health insurance review should focus on what your family may need during hospitalisation and what the policy actually says.

Sum insured

Sum insured is the maximum cover available under the policy for eligible claims, subject to terms.

Waiting period

A waiting period is the time before selected conditions or benefits become claimable.

Co-pay and exclusions

Co-pay means the customer pays a defined share of an eligible claim. Exclusions are situations or treatments not covered.

Portability

Portability can allow movement between insurers under applicable rules, but timing and acceptance need review.