Compare the policy, not only the premium.
Understand the scope
Hospitalisation, treatments, limits and benefits depend on the policy wording. Coverage is not automatically the same across every insurer or plan.
Think about your household, existing cover and the medical costs you want to protect against. Disclose required health information accurately.
Check the details
Review waiting periods, pre-existing-condition terms, exclusions, room limits, co-payments, deductibles and sub-limits. Confirm which hospitals and cashless arrangements apply.
Ask about renewals, claim steps, supporting documents and what happens if a treatment is outside the network.
Before you buy
Request the policy wording and benefit illustration where applicable. Confirm the exact premium and insurer before payment.
Insurance is a contract, not a guarantee that every medical expense will be paid. Keep the policy documents and claim contacts accessible.