Decoding a health insurance policy document can be tough, given the complex list of terms and conditions. Many tend to give the in-depth study of the clauses a miss, only to regret later. Despite increase in awareness about sub-limits, pre-existing diseases and other exclusions, claim denial or reduced payouts continue to shock. To ensure uniformity, the Insurance Regulatory and Development Authority of India (Irdai) has set up a committee to suggest measures to standardise exclusions (see table ..