Buying a health insurance policy is essential. But in order to buy the best health insurance policy in India, you need to be well informed and aware. There are many policyholders that fail to benefit from all the perks and privileges of a health insurance policy due to their lack of knowledge. Thus, conducting extensive research before buying a health insurance plan is highly recommended. You can browse through websites of many insurance companies and find the best health insurance policy in India for yourself and your family. Any plan that provides maximum coverage at an affordable premium rate would be considered the best for you. In other words, you must make sure the policy you are buying isn’t a potential financial burden for the future. Image Source: Shutterstock However, getting stuck with the wrong or incompatible policy is worse than not having one in the first place. Here are five tips that you must follow to buy the best health insurance policy in India: Check the background of the company By checking the background of the company, you ensure its credibility. There are several hoax companies that collect the deposit and disappear. So be careful where you invest. Make smart and conscious choices when investing your money. Several companies in India understand the value of our money and provide services that are worth investing in. The best health insurance policy in India or any other country provides you with the benefit of getting a cashless treatment along with certain additional benefits such as tax deductions that can help you save over time. Understand the Type of policy Different companies have different types of health insurance policies and plans for you to choose from. You must carefully go through all the potential and reliable companies and then pick one policy that matches your interests in the best possible way. You must thoroughly go through the terms, conditions, inclusion, and exclusions of every policy before making a final decision. However, it would be best if you would also compare the premium rates of all the policies. Since the best health insurance policy in India would be the one that offers comprehensive coverage at an affordable premium rate. Calculate Premium Amount With the help of a premium calculator, you can get an estimate of the premium amount that you will have to pay against a health care policy. Calculating premium amounts beforehand helps you compare and plan your finances so that you don’t have to face a financial crisis in the future. An insurance policy is supposed to help you avoid a financial emergency, not become one itself. So, the best health insurance policy in India for you would be an insurance plan that offers low premium rates that are compatible with your financial capacities. Learn All About its Network Hospitals By going through the list of network hospitals of the insurance companies, you ensure that they are located at a convenient location and will provide quality services or not. You can also look for policies that offer services from your preferred hospital network. Renewal Age Most insurance providers offer policies with a renewal age up to 70 to 80 years. It would be best if you bought a health insurance policy that has a longer renewability limit as the chances of falling sick increase with your age. However, certain policies offer maximum renewability; that is, they can be renewed at any age. The best health insurance policy in India would be the one with lifetime renewability along with affordable premiums and comprehensive coverage. There will always be a different best health insurance policy in India for every individual. To explore your options, you can browse through the comprehensive insurance plans offered by reliable companies like Care Health Insurance that are designed for the needs of every Indian. You can compare and calculate for yourself and then make a final decision.