Sub Limit Health Insurance – Introduction- Types

Health Insurance Plans starting at Rs.15/day*

Health Insurance Plans starting at Rs.15/day*


Several considerations should be made while purchasing a Health Insurance policy. Sub-limit is one of the unnoticed components in the Health Insurance policies. The sub-limit must be considered every time you buy a Health Insurance policy.

What is a sub-limit?

A sub-limit is a cap on the total sum insured up to certain limits. The insurer will not be liable to pay beyond the Sub-limits. The Sub-limit is inclusive of the medical expenses incurred.

Different types of Sub-limits

In Health Insurance, there are three main sub-limit categories. To make it easier for you to choose insurance coverage, let’s look at them now.

Sub-Limit on specific modern treatments

Sub-limits usually apply to particular diagnoses and treatments, mainly when they include well-known modern treatments such as Baloon Sinopalsy, Stemcell therapy etc.

Generally, there will be sub-limits for listed modern treatments up to certain limits Insurers generally cover the treatment expenses upto the Sub-limits.

For instance, if your insurance contains a sub-limit provision of 50% for the treatment of Robotic Surgery and your sum insured is 20 lakhs, you are only allowed to claim 10 lakhs for the treatment for the entire policy period.

Sub-Limit on Pre and PostHospitalisation

The Insured is eligible for the pre and post hospitalisation expenses incurrred for the treatment within the Sub-limit, where the claim is admitted in the Policy under Sub-limit. Maximum liablity of the Insurer is upto the Sub-limit mentioned in the Policy for the specified ailment/ Conditions.

Summing up

Most Health Insurance companies provide various coverage, including the modern treatments, AYUSH treatments, etc., with a sub-limits. Make sure to check the sub-limits before opting for an Health Insurance plan.


The Information including but not limited to text, graphics, images and other material contained on this blog are intended for education and awareness only. No material on this blog is intended to be a substitute for professional medical help including diagnosis or treatment. It is always advisable to consult medical professional before relying on the content. Neither the Author nor Star Health and Allied Insurance Co. Ltd accepts any responsibility for any potential risk to any visitor/reader.

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