2. Reasonability clause: Most of the disputes on claim settlement are common in this clause according to the insurers. As according to this clause only reasonable or necessary expenses are eligible for the claim. This clause is sometimes misunderstood by customers. "Reasonable charges are arrived at by insurers by comparing the standard billing by a hospital and comparing the same with the prevailing charges in the same geographical area for similar or identical services. Thus, the primary purpose of the reasonable charges clause is to ensure fair billing by hospitals," said Subrahmanyam B, senior vice-president and head, health, commercial lines and reinsurers, Bharti-AXA General. That is, if your hospital has charged you 1 lakh for a surgery which ordinarily costs 50,000, the insurer will approve the lower amount.

3. Renewability clause; Many complaints are raised by the senior citizens telling that whenever they go for the renewal of their policy their request is turned down on the basis of their age. No insurer can refuse any of your requests even if anyone does; you have all the right to sue him as a customer. But as the regulations ban changing the existing terms, it is more likely that you will always be sold a new product. It's advisable to read the clause carefully before the renewal of the contract.