Check this before Buying Health Insurance

3 June 2026

Rohit wanted to buy health insurance.

He opened a comparison website and was immediately flooded with dozens of plans, premiums, features, and offers.

The cheapest plan looked tempting. But then he wondered:

"How do I know if this is the right plan for my family?"

If you've ever had the same question, you're not alone.

Buying health insurance is one of the most important financial decisions you'll make. Before you buy a policy, go through this simple checklist.

Hospitalization Coverage

☐ What is the Sum Insured (₹5 lakh, ₹10 lakh, ₹25 lakh, etc.)?

☐ Is there any room rent limit?

☐ Is ICU coverage included?

☐ Are surgery charges covered?

☐ Are doctor's consultation fees covered?

☐ Are diagnostic tests and investigations covered?

☐ Are medicines and consumables covered?

Pre & Post Hospitalization

☐ How many days of pre-hospitalization expenses are covered?

☐ How many days of post-hospitalization expenses are covered?

Cashless Treatment

☐ Are good hospitals in my city part of the network?

☐ Is cashless hospitalization available?

Pre-Existing Diseases

☐ What is the waiting period for pre-existing diseases?

☐ Are lifestyle diseases like diabetes and hypertension covered?

Special Benefits

☐ Is day-care treatment covered?

☐ Is ambulance expense covered?

☐ Is domiciliary treatment (treatment at home) covered?

☐ Is organ donor expense covered?

☐ Are modern treatments covered?

Family Protection

☐ Can I include spouse and children?

☐ Can I cover my parents under the same policy?

☐ Is there a family floater option available?

Policy Enhancements

☐ Is No Claim Bonus available?

☐ Is Restoration/Reinstatement Benefit available?

☐ Is there an option to increase cover in future?

Claims & Service

☐ What is the insurer's claim settlement process?

☐ Is customer support easily accessible?

☐ How simple is the claim documentation process?

Important Exclusions

☐ What treatments are not covered?

☐ Are there any disease-specific waiting periods?

☐ Are there any co-payment clauses?

Final Question

☐ If a hospital bill of ₹10 lakh arrives tomorrow, will this policy adequately protect my family's savings?

Remember: Don't buy health insurance based only on the premium. Buy it based on how well it will protect you during a medical emergency.