This document outlines things to compare and not compare when evaluating health insurance policies. Key items to compare include room rent limits, no claim bonuses, co-pays, sub-limits, waiting periods, cashless network quality, claim rejection ratios, and prices. Additional factors that are good to compare are restore benefits, critical illness coverage, day care procedures, and organ donor coverage. Premiums, hospital cash offers, and ambulance cover should not be used for direct comparisons between policies.

1. The “Don’t compare list” of Health
Insurance

2. Don’t compare
 Premium
 Hospital Cash Offered
 Ambulance Cover Offered

3. Must Compare
Room Rent
Limit
No Claim
Bonus
Co-pay And
Sub-limits
Waiting
Period
Quality Of
Cashless
Network
Claim
Rejection
Ratio
Price

4. Good to Compare
Restore
Benefit
Critical
Illness
Day Care
Procedure
Organ
Donor Cover

5. Health Insurance Service
Providers
Finally, Compare