Health insurance is one of those things most people buy in a hurry. A relative falls sick, a hospital asks for cash, or an agent calls with a “limited-time offer.” That’s usually when mistakes happen.
Choosing the right health cover doesn’t need to be confusing or expensive. You just need to know what’s right for you.
1. Start with your family’s real needs
Before looking at plans, list down:
How many people need cover
Their age and any existing illnesses
The city you live in and typical hospital costs there
A family of four in a metro needs a very different cover than a couple in a small town. One size never fits all.
2. Don’t blindly trust employer insurance
Office health insurance is helpful, but it shouldn’t be your only cover.
It usually has a low sum insured
It ends the day you change or lose your job
Parents are often not covered properly
A separate family health plan gives you continuity and control.
3. Choose the right cover amount
One of the most common mistakes is choosing the cheapest plan available. A low premium often means low coverage.
For small towns, a minimum of ₹5 lakh is a good starting point
For metros, ₹10 lakh or more is safer
You can add a top-up plan later if needed
Hospital bills rise faster than salaries. Plan with the future in mind.
4. Check what the policy does not cover
This is where mis-selling usually happens. Instead of only asking what the policy covers, ask what it does not.
Check if there is a waiting period for existing illnesses. See if there are limits on room rent, ICU charges, or specific treatments. If someone rushes you through this part or avoids clear answers, that’s a sign to dig deeper or consider alternatives.
If possible, talk to someone who is transparent about commissions.
5. Look at hospitals and claims, not just the price
A policy is only as good as its usability. Make sure hospitals near your home are covered. Check if the policy offers cashless treatment and how the claims process works.
A slightly more expensive plan with a smoother claims experience is often better than a cheaper one that creates stress during emergencies.
Final thought
Health insurance is not an investment. It’s protection.
If you understand your needs, read the basics, and avoid rushing, you won’t get mis-sold. And when a health emergency comes, you’ll be grateful you took the time to choose right.
