Health insurance is a type of insurance that fully or partially covers an individual's medical and surgical expenses. It's an agreement between you and your insurance company, where for an annual premium, the insurer pays for your hospitalization and other medical expenses as mentioned in your policy.
Assess if the cover and sum assured are suitable against the premium paid. Choose add-ons as per your needs.
Be sure of the insurer's network hospitals in your area. You can avail of cashless services only at these hospitals.
Since hospital room rents vary, some insurance plans pay only a part of the actual rent. It's always best to go for higher or no room-rent limit plans.
Check what is permanently excluded and which treatments are possibly covered after waiting for a certain period.