What should I consider before choosing health insurance?

[Shiva_Force]

When picking health insurance for my family and me, I’m already looking at floaters, network hospitals, deductibles, and waiting periods. What else should I think about to make a good choice?

[Reema]

You’ve got the basics down, which is a great start! One thing to keep in mind:

• Aim for total family coverage of ₹10–15 lakhs in India.
• Check for 'co-pay' clauses (shared payment).
• Ensure the policy remains valid as you age.
• Look for coverage on short hospital stays and AYUSH treatments.
• Assess the helpfulness of customer service for stress relief.