Insurance
Health insurance
Ditto health insurance comparison
Ditto’s health insurance comparison focuses on parameters that matter for claim experience, not just premium.
Key parameters
| Factor | Why it matters |
|---|---|
| Sum insured | Total cover for treatment |
| Room rent limit / co-pay | Cap on hospital room cost |
| Pre-existing disease (PED) waiting period | Typically 2-4 years |
| Co-pay percentage | What you must pay |
| Cap on specific diseases | Some policies cap cancer / cardiac |
| Network hospitals | Cashless availability |
| Claim settlement ratio | Insurer payout track record |
| Restoration benefit | Cover restored after first claim |
| OPD coverage | Outpatient included? |
Common Ditto recommendations
- Family floater for couples / family: More cost-effective than individual.
- Sum insured at least Rs 10-25 lakh in metros given medical inflation.
- No room rent capping: Avoid policies that cap below typical hospital rates.
- PED wait period: Shorter is better.
- Restoration benefit: Activates if you exhaust the cover.
Common pitfalls Ditto warns about
- Buying very low sum insured (Rs 3-5 lakh insufficient in metros).
- Skipping critical illness rider.
- Choosing based on premium only.
- Not declaring pre-existing conditions (leads to claim denial).
Tax
Premium up to Rs 25,000 (Rs 50,000 if senior citizen) qualifies for Section 80D deduction.
For complex medical history, consult Ditto’s advisors before buying.
See also
- Ditto Insurance
- Ditto Insurance vs traditional brokers
- Ditto term life insurance comparison
- Rainmatter Capital portfolio overview
- Health insurance
- Term insurance
- Critical illness rider
- Insurance claim ratio
- Section 80D
- Section 80C
- Old vs new tax regime
- IRDAI
- Pre-existing disease (PED)
- Co-pay
- Room rent limit
- Restoration benefit
- HDFC Ergo
- Star Health
- Bajaj Allianz General
- Niva Bupa
- Care Health
- Tickertape
- Quicko
- Wint Wealth
- Zerodha
- Income Tax Act
External references
References
- IRDAI Health Insurance Regulations.
- Income Tax Act 1961, Section 80D.
- Ditto Insurance, Health insurance comparison, joinditto.in.