<h1>Insurer launches customizable retail health plan with unlimited base sum insured, long terms, add-ons; raises regulatory and consumer protection concerns</h1> A leading general insurer has launched a customizable retail health insurance product offering unlimited base sum insured, lifetime single-claim excess coverage, multiple optional add-ons (including cumulative bonus, gym/sports injury OPD, waiting-period portability to spouse/children), long-term policies up to five years, and entry-age limits for adults and children. Coverage limits, sub-limits, waiting periods and discounts are adjustable, and claims remain subject to policy terms and conditions. The product, marketed after recent tax reforms, may raise regulatory and consumer-protection considerations regarding unlimited coverage mechanics, disclosure of sub-limits, claim adjudication and premium pricing.