As we have seen above, when there is a sub-limit, the final claim amount is reduced. For things like hospital room rent, treatments of certain diseases, or post-hospitalization charges, you can only make a claim for the amount set out by the sub-limit clause, and beyond that, you need to pay out of your own pocket.
Thus, even though you might have a high sum insured, you may not be able to claim for all of your hospitalization or treatment expenses due to these sub-limit clauses.
Remember to go over these sub-limit clauses carefully to avoid any last-minute confusion during the stressful time of hospitalization or while filing a claim. This way you can ensure that you enjoy a hassle-free claims process.