Confused about health insurance? THIS checklist has you covered

Optimize your health insurance by ensuring coverage for room rent, restoration benefits, and cumulative bonuses. Avoid partial coverage and prioritize plans that include medical supplies, pre/post hospitalization costs, and organ donor expenses.

Choosing a health insurance plan is one of the most important financial decisions you'll make. From premiums and deductibles to coverage limits and provider networks, this checklist walks you through everything you need to review to make a smart, informed choice.

Room Rent

Make sure you have the freedom to choose any room and ICU ward without restrictions.

Restoration Benefit

You should also see if there is a guarantee that your insurance will be reinstated throughout the year if one family member uses it completely.

Cumulative Bonus

Choose a policy that has the option to increase your coverage up to 100% over time for years without claims.

Avoid Partial Coverage:

Avoid plans where you have to pay a portion of hospitalization or surgery costs.

Insurance for Medical Supplies:

Choose a plan that covers the costs of everyday medical supplies such as gloves and syringes when hospitalized.

Before and After:

Make sure that the insurance covers the cost of medical examinations and doctor visits for at least 60-90 days before hospitalization and after discharge.

For Organ Donors:

Any organ transplant surgery is very expensive. So, make sure your insurance policy covers such expenses.