If you are looking to insure yourself consider a health insurance plan with a sum insured ranging between 7 lacs to 10 lacs. For a family a policy the sum insured could range between 8 to 15 lakhs on floater basis. Remember, your health insurance plan should be adequate to cover for more than one hospitalisation that may happen in a year.

Health insurance premiums are quite affordable. So when you chose a plan, don’t make a hasty decision of paying low premiums for a smaller sum insured and then co-pay your hospital bills later. You might end up paying hefty amount for your medical bills. Instead, work on a co-payment clause that’s easy on your pocket.

Always check if the insurance company has a wide list of network hospitals included in your health insurance plan. Also check, if the nearest hospital or medical facility is listed by the insurance company, so it will help you avail cashless treatment. At HDFC ERGO, we have a huge network of 12,000+ Cashless Health care centers.

Usually your medical expenses depend upon your room type and disease. It is recommended to buy a health insurance plan that does not have sub-limits on hospital room rent so that you can choose the hospital room as per your comfort. Most of our policies also don’t imply disease sublimit; this is also an important factor one must keep in mind.

Your health insurance plan does not come into action while you are waiting period is not completed. Always check health insurance policies with lower waiting periods for pre-existing ailments and maternity cover benefits before buying a health insurance plan online.

Always choose a health insurance company that has a good reputation in the market. You must also look at the customer base and claim paying ability to know if the brand will honor the claims that you may make in future. Choosing a health insurance plan is a commitment of both policyholder and insurer, so take a decision calmly.