Capping or Sub-Limit in Group Health Insurance

Group medical insurance aims to ensure that medical expenses and hospital bills do not pinch the employee's pocket. Just by paying a fraction of the amount covered, that is, the sum insured, as a premium, the insurance company becomes liable to reimburse the hospitalization cost. But, sometimes, the insurer does not pay the entire bill amount. One of the reasons could be the sub-limit in group health insurance.

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