I do not pay much on insurance premiums in India because we are insured in other countries. Yes, if you check the list of lenses I have provided and the one we have selected will tell you why I paid this much. In our case, we can claim up to 80% spent on treatment but not on the policies we have right now which are basic and we have taken them in case of emergency/accidents. We get any claims only if we stay in a hospital overnight as OPD is not covered in India. Thanks for asking, have a nice time.