Health insurance is a way of investing in yourself and your loved ones. All health insurance policies seem to be great, but make sure you check out on the insurance plan completely so that there are no loopholes....

• The health insurance you choose should fit in line with the kind of family ailments you have and also the kind of professional hazards that you face.
• Ask the agent you are in touch with to show you the policies of various companies and explain them to you before you take the decision.
• Do not go in for single disease polices. Make sure that the policy covers a range of diseases.
• Your insurance plan should cover critical illness, hospitalisation and surgeries.
• The best insurance policy is the cashless one, where you do not have to make any cash deposits in case of hospitalisation.
• In such cases, showing the health ID card at the insurance company's network of hospitals should suffice.

Ask if your company is providing a health cover under a group plan and whether it will cover your family members too.

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