Policy Type

• Individual: For single individuals.
• Family Floater: Covers you and your family under a single policy.
• Senior Citizen: Specifically designed for individuals aged 60 and above.

Sum Insured

• Choose a sum insured that adequately covers potential medical expenses.
• Consider factors like your age, family history, and lifestyle.

Coverage

• Pre-existing diseases: Some policies have waiting periods for pre-existing conditions.
• Maternity benefits: Check if the policy includes maternity expenses.
• Daycare procedures: Ensure coverage for outpatient procedures.
• Emergency room visits: Verify if emergency room visits are covered.
• Mental health conditions: Confirm coverage for mental health treatments.

Network Hospitals

• Check the insurer’s network of hospitals for cashless treatment options.
• Ensure the network includes hospitals in your preferred locations.

Waiting Periods

• Be aware of waiting periods for certain conditions or procedures.

Add-ons

• Consider adding riders for specific needs like critical illness coverage, personal accident insurance, or maternity benefits.

Premium

• Compare premiums from different insurers and choose a plan that fits your budget.
• Consider factors like your age, health condition, and sum insured.

Claim Settlement Ratio

• Check the insurer’s claim settlement ratio to assess their efficiency in processing claims.

Portability

• Ensure the policy allows for portability, allowing you to transfer the policy to another insurer without losing benefits.

Inclusions and Exclusions

• Carefully review the policy document to understand what is covered and what is not.

Health Checkups

• Some policies offer preventive health checkups as a benefit.

By carefully considering these factors, you can choose a health insurance plan that provides adequate coverage and financial protection for you and your family.