Selecting the best health insurance plan in India depends on understanding the policy terms that affect your payout and claim process. This guide explains the key checks to make before buying, so you can choose a plan you can rely on and avoid surprises at the time of claim.

Step 1: Pick the Right Sum Insured Before You Compare Premium

Start with the cover amount, then check the price. In real hospitalisation, costs rise due to ICU, surgeon fees, room charges, diagnostics, medicines, and consumables. If your sum insured is too low, you will pay from your pocket even if the policy covers the illness.