When buying health insurance plans, consider the coverage provided, including hospitalization, day-care treatments, and pre- and post-hospitalization expenses. Look at the sum insured to ensure it meets your healthcare needs. Compare the premium amounts to find a balance between affordability and comprehensive benefits. Evaluate waiting periods for pre-existing conditions and the network of cashless hospitals for ease of access. Check for any additional riders, such as critical illness or maternity coverage, to enhance protection. Finally, review the insurer’s claim settlement ratio and customer reviews to gauge the reliability and efficiency of their service and claims process.
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