There are quite a few factors to be kept in mind while choosing the best health insurance policy in India. One should choose the coverage amount smartly as in case of inflation, a small coverage amount may not suffice if the illness is a particularly difficult one. In case one has a tight budget, one should opt for a family floater plan in which case one does not have to buy a separate policy for each family member. One should also consider other factors like age and marital status while thinking of health insurance policy to buy. Try to go for an insurance plan that has the minimum waiting period for pre-existing illnesses, which can vary from 2 to 4 years depending on the company. One should look for a maximum age renewal policies because illnesses are only likely to increase with an increase in age and so one should be able to renew the policy even at 70 or 80. Most importantly, it is important to choose a health insurance provider with a high claim ratio.
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