​Irrespective of whether you follow a fitness program or not; having a reasonably priced health insurance has become a necessity for one and all. Following right diet and working out regularly definitely help us maintain a good health, but it does not make us immune to health related issues. Individuals often fall prey to health problems because they have it in their family. For instance, someone whose family has a history of heart related problems may have more chances to be detected with one such problem. Therefore, to fight against any such or other medical issues, one should buy health insurance plan.


Most Indians get health cover through from their employers or are covered under a health plan offered a family member’s employer. In such a case, you stand at a risk of losing your coverage if you or your family member leaves the job. Also, such corporate plans do not offer sufficient coverage. If you are covered under just your employer’s health plan, the chances that you would have to shell out extra from your pocket are more.
 
In addition, many corporate health plans do not offer all types of coverage. For instance, many employers offer medical coverage only in case of hospitalization. Whereas, if you buy health insurance plan as an individual for yourself and/or your family, then you would also be covered for things like day-care treatment. Your employer’s plan may not be the best health insurance in India. Buy health insurance plan to avoid the last minute surprises and hassles in case of a medical emergency.
 
However, at the time of buying health insurance policy, it is important to consider that you should buy health insurance which is affordable and yet meets all your requirements. You should know what are you paying for.
 
Follow the below steps to buy health insurance at affordable rates:
 
1. Get in touch with different health insurance companies and compare the features and price of each policy. Look for the health insurance policy that offers protections from large medical costs.
 
2. Read through the fine prints of the policy documents. Ensure the policy offers the type of risk coverage that suits your needs. Understand the terms & conditions of the policy well, in case of any doubt do not hesitate to ask your query. Call the company or your agent and get clarity on every aspect of the policy. This would protect you from any last minute unpleasant surprises.
 
3. Check for a "free look" clause in the policy. After you have bought a health insurance policy, many insurance companies would provide minimum 10 days to the customer to go through the policy and understand it well. If after reading through the policy, the customer feels it does not suit his/her needs, he/she can return it following which you’re his/her premium shall be refunded.

Do an online search or speak to your family and friends to get their idea about the best health insurance in India. Often, ones experience proves to be handy for others too.