10 Red Flags Your Health Insurance Might Fail You 🚨 If your policy has even 1–2 of these, you’re at risk of huge out-of-pocket costs: ⿡ Room rent capped ⿢ Co-payment clause ⿣ Sub-limits on major diseases ⿤ Restoration only for new illnesses ⿥ No consumable cover ⿦ Limited daycare coverage ⿧ Short pre/post hospitalisation period ⿨ No AYUSH coverage ⿩ Weak no-claim bonus 🔟 No advisor for claim support ⚠ Medical inflation is rising 12–15% yearly — upgrade before your policy $NIVABUPA