Need help Understanding Health Insurance.

So, I'm planning to buy health Insurance and these are the clause and sub clause I've learnt about and what to look out for. * Sub Limits * Room rent cap * Co-pay * Waiting Periods * Restoration of sum assured * Zonal Policy vs Pan India * Exclusions * Day Care Treatment * Pre & Post Hospitalization Charges * No Claim Bonus * Free Health Check Up * Topup and Super Top Up Is there anything I'm missing or should be aware or look out for? Any guidance or information will be useful. Thank You *For anyone interested I learnt the above mentioned terms from Labor Law Advisor on YT it is a 40 min video*