SIP GUIDE / PROTECTION TOOLKIT
Your health-policy question list
Bring two policy documents. Leave with clearer questions about the conditions that affect your cover.
Compare the conditions, not just the price.
Use your policy wording or Customer Information Sheet. “Checked” means you reviewed the item; it does not mean the policy is suitable.
No policy uploads. No medical details.
Cover structure
Individual or family floater? Who shares the sum insured?
Room eligibility
Any room-category or room-rent limit? What happens if you exceed it?
Co-pay and deductible
What do you pay first, and what percentage do you share?
Waiting periods
Check initial, specified-condition and pre-existing-disease waiting periods in the policy.
Exclusions and sub-limits
Which treatments, expenses and conditions are excluded or capped?
Hospital access
Verify your preferred hospital’s current network status with the insurer.
Restoration conditions
When does restored cover activate, and for whom or which illness?
Renewal and disclosure
Check renewability terms and disclose requested medical history accurately.
Your questions for the next conversation
Policy A: Mark any unclear term above to build your question list.
Policy B: Mark any unclear term above to build your question list.
Your financial answers stay in this page. Sharing sends only the tool link.
Read beyond the sum insured
Two health policies with the same headline cover can respond differently to a claim. The policy wording and Customer Information Sheet help you identify conditions to compare. This worksheet records what you have reviewed; it does not read documents, rank insurers or calculate an actual claim settlement.
A deductible and a co-pay are different forms of cost sharing. The order in which they apply and which expenses are admissible depend on the policy. Ask for a written explanation of any unclear condition. A hospital appearing in a network list does not by itself establish that every treatment is covered or that a particular claim will be accepted.
Review the needs of each family member, any employer cover and your ability to pay out-of-pocket costs. Avoid sharing medical records in a general enquiry form; requested health disclosures should follow the insurer’s application process.
Educational tools only. Review assumptions and your complete circumstances before making decisions. Read disclosures.