Health insurance is important, but buying insurance can be challenging. Choosing the right policy is even harder. To simplify the process and teach you how to read a policy document, we've created a simple guide to help you buy a good health insurance policy.

Before buying any health insurance policy, please follow the steps below:

• List the hospitals where you and your family members typically receive treatment.
• Disclose your health condition to the insurance company before paying the premium.
• Check the premium trend. Premiums generally increase with age.
• Choose the appropriate Sum Insured, keeping medical inflation in mind for the next 15-20 years, and select the sum insured accordingly.
• Check for any caps or co-payments.
• Check the claim settlement ratio of the insurance company

If you're still confused or not confident, please book a one-on-one appointment with our experts.