When buying health insurance plans, consider the coverage offered, including hospitalization, day-care procedures, and pre- and post-hospitalization expenses. Evaluate the sum insured to ensure it meets your healthcare requirements. Premium costs should be compared, balancing affordability with the benefits provided. Check the waiting periods for pre-existing conditions and the network of hospitals offering cashless treatment. Look for additional riders like critical illness or maternity coverage. The claim settlement ratio of the insurer is another key factor, ensuring hassle-free claim processing. Finally, customer reviews can offer insight into the company's service quality and reliability, helping you make an informed decision.
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