There is no such BEST Health Insurance policy that suits all. Hardly any two policies are similar

Choose a policy which that reduces your out of pocket to the least and is medical-inflation hedged.

So while choosing Health Insurance, please keep the following points in mind:

• Capping on Room Rent
• Capping on ICU Charges
• Recharge/ Top Up options
• No Claim Bonus Addition
• Existing Illness Cover – For most health insurance policies existing illnesses are not covered in first 4years
• Annual Health Check-Up – Yearly medical test is good to have but not an absolute must
• TPA or Direct
• Co-Pay – You also need to be clear with the co-pay %
• No of days covered before and after hospitalization needs to be considered
• Check the hospital network cover list. If your preferred hospital is on the list it would be better

This list is dynamic and can change anytime.