Nov 14, 2025, 12:43:12 PM IST

A good ICR (around 70–90%) shows the insurer is settling claims reliably. Extremely high or low ICR can signal problems.

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CSR reveals how many claims the insurer actually pays. Prefer insurers that settle most claims quickly, ideally within 90 days.

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Room-rent caps can reduce how much of your hospital bill gets covered. Waiting periods for pre-existing diseases may delay full coverage.

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Co-pay clauses make you bear a fixed percentage of each claim. Deductibles require you to pay a portion first before the insurer pays.

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Cashless claims only work at network hospitals, so check availability. Review exclusions closely to avoid surprises during claims.

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