Outlook Money
Compare policies by insurers to pick the best one for you, both cost and feature-wise.
If you are 50 or older, a health check-up is mandatory for buying a policy.
Check for the waiting period of pre-existing diseases for the coverage to kick in; these limitations vary from one company to another.
Consider your existing and post-retirement medical costs before choosing options like deductible or co-pay.
Check the maximum age limit, as some policies may not offer coverage after a certain age due to higher risk.
Check the policy's hospital network before deciding.
Check if the Outpatient Department Expenses (OPD) is included in the policy or provided as an add-on benefit.
Consider the insurer's claim settlement history, payment ratio, paperwork, and other formalities.
Before deciding, check the company's no-claim bonus policy, sum insured, reward points, and free health check-ups.
Compiled By Himani Verma