Go for the higher claim settlement ratio insurer.Check whether the insurer is having tie ups with wide network of hospitals.As most of the treatments do no require hospitalization of more than 24 hours and usually health insurance covers only 24 hours or more, it’s better to opt day care coverage health insurance policy.Check whether policy is providing you a discount in next premium in case you haven’t taken any claim, either insurer will provide you discount or he will increase the coverage amount in the next renewal.Usually health insurance policy provides one-time free full body checkup in a year.Please check the renewal age limit of the policy, so that when you cross the age of 50, you are still insured.Check the list of disease covered.Check 1. Contribution clause; 2. Renewability clause; 3. Reasonability clause; 4. co-payment clause and; 5. Exclusions clause before buying a health insurance.