✅ No Co-Pay:
While a co-pay option may lower your insurance premiums, your share of the bill adds up to a lot in the long run.

✅ No Room-rent Restriction:
If your hospital room costs more than what your policy allows, you’ll have to pay the extra amount yourself — so it’s better to choose a plan with no room rent limit..

✅ No Disease-wise Sub-limits:
Some health plans limit how much they’ll pay for specific illnesses. If your treatment costs more, you’ll have to pay the extra from your own pocket — which can get expensive. So, it’s better to pick a plan without such limits.

✅ Low Pre-Existing Disease Waiting Periods:
Health issues you already have (pre-existing conditions) are only covered after a certain waiting time. So, choose a plan that covers them sooner — it’s better to have a shorter waiting period.

✅ Pre & Post-Hospitalization Care:
You might spend a lot on tests and medicines before and after getting admitted to the hospital. So, choose a health plan that covers at least 30 days before and 60 days after hospitalization — it’ll save you money.

✅ Restoration Benefit:
Think of it like a refill — if you use up your health cover during a claim, the insurance gives it back again. That’s called restoration benefit, and it’s super helpful, especially for family plans with multiple members.

✅ Daycare Treatments:
Some treatments don’t need a full-day hospital stay, but they can still be expensive. So, pick a health plan that also covers short treatments done in less than 24 hours.