The Essential Health Insurance Buying Checklist
Choosing the right health insurance is one of the most important financial decisions you'll make. In 2026, healthcare costs are rising, making it vital to have a plan that truly protects you. Use this checklist to evaluate any premium health plan.
✓ Core Parameters for Evaluation
-
Network Hospital Access
Verify if the insurer has a wide "Cashless Everywhere" network, especially near your residence and workplace.
-
Room Rent Limits
Ensure there are no "Room Rent Caps." Premium plans should allow you to choose at least a single private AC room without proportionate deductions.
-
No Claim Bonus (NCB)
Check how much your sum insured increases for every claim-free year. Look for "NCB Protect" features.
-
Pre-existing Diseases (PED) Waiting Period
Standard plans have 3-4 years, while premium plans can offer "PED Waiver" or reduce the period to 1-2 years.
-
Restoration Benefit
Sum insured should automatically refill if exhausted during the policy year—ideally for both related and unrelated illnesses.
Need expert help choosing the right plan?
Get Expert Consultation