Buying insurance is not child’s play and when it comes to buying a health insurance policy, you need to be pretty sure about certain points. A few of such key points are listed below:

• What covers are you offered and who offers the covers?
• Are add-on features available for later use?
• Are individual and/or family floater options available?
• What is the Sum Assured?
• What are Sum-limits applicable?
• Is/are there any discount(s) offered?
• Are there any voluntary/co-payment deductible options?
• Are policy exclusions mentioned in the documents?
• What is the claim process like? – Reimbursement, cashless benefit, immediate claim settlement?
• Is there any medical check-up required before proposal acceptance?