A good health insurance agent can help you understand complex terms and find a plan that suits your needs. But unfortunately, not all agents are transparent — some focus more on their commission than your protection.
In 2025, with rising premiums and dozens of policy options, it’s important to know the common tricks some agents use, so you can avoid costly mistakes and choose a plan that genuinely works for you.
5 Common Tricks and How to Avoid Them
| Agent Trick | How It Works | How to Avoid |
|---|---|---|
| 1. Highlighting Only Low Premiums | Agents push cheaper plans without disclosing limits and exclusions. | Ask for complete benefit chart and list of exclusions before deciding. |
| 2. Hiding Room Rent Limits | Cap on daily room rent forces you to pay extra in private hospitals. | Choose “no room rent capping” plans whenever possible. |
| 3. Skipping Pre-Existing Disease Details | They may avoid mentioning waiting periods for existing illnesses. | Read the PED clause carefully and check the waiting period. |
| 4. Overselling Riders | Extra add-ons may not be necessary for your case but increase premium. | Take only riders relevant to your health and family history. |
| 5. Not Explaining Co-Payment Clauses | You may have to bear part of the bill without realizing it. | Ask clearly about co-payment % and how it will apply to future claims. |
Real-Life Example
Ravi bought a ₹10 lakh health policy because the premium was low. Only during hospitalization did he realize it had a 2% room rent cap and a 30% co-payment clause for people over 60 — costing his family an extra ₹1.2 lakh.
Quick Tips to Outsmart Mis-Selling
- Always read the policy brochure before signing.
- Compare at least 3 insurers for similar coverage.
- Use the insurer’s official website or IRDAI portal to verify details.
Why It Matters
A single hidden clause can wipe out the benefits of your health policy. Understanding these tricks ensures you’re buying protection, not just a piece of paper.
Health insurance should protect you, not surprise you with hidden costs. Share this eBharat.com guide so more people make informed choices in 2025.
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