The best health policy need not be costly but will surely fulfil all your requirements.

Research the market well to avoid being misled by health insurance agents and their false claims.
With rising awareness about health care in India, every ">health insurance company in India in insurance sector has seen rapid growth. It is a well known fact today that health insurance for individuals is the best possible way to protect one’s health from any future health crisis. When people are so readily investing in health insurance policies there is competition between the various insurance companies and Health insurance agents aim at getting as many clients as possible. As a result of which, a lot of health insurance plans are available in the market that comprise of various different benefits.
With so many choices but limited financial resources, it is completely obvious that you wish to find the most affordable health plan. Here are a few pointers that would help you distinguish the best health policy for your needs:
1. Cost: Cost is a very important part of a policy but affordable individual health insurance does not just mean that a policy should be cheap. It is true that you should read and understand very carefully the financial aspects of a policy like total insured amount, premiums etc. However, the most important factor to consider is the value or the worth that every health insurance company in India offers for you. This can be done by looking at various things. First is the monetary factors like total insured amount, premium etc while the second includes factors like benefits, network, reputation of the company because these factors add to the worth and value of your policy.
2. Benefits: Different policies have different benefits. However, you should compare and choose carefully to find a plan truly suited for you. After all, if the plan does not suit your needs and accommodate all the possible problems you might face then the ultimate worth of that plan, for you, turns out to be nothing. It is advisable to check if the plan will cover any previous illnesses. It is also important to see if the health insurance for individuals includes any bonus benefits that might be of help in the time of need. Also if there are any new diseases that have been spreading around the world, then you should see if your policy covers them for e.g. H1N1. Affordable health insurance for individuals should cover all their requirements.
3. Network: The health insurance companies have various healthcare providers on their panels. Naturally, the more widespread the network of these hospitals the easier the accessibility. A good and affordable health insurance for individuals will have a strong and stable network of healthcare providers.
4. Reliability and reputation of the company: This also adds to the value of your policy. Reliability and reputation of a company can be checked by finding out how many claims were made in the previous year and how many were honoured. Reliability of a company can also be checked by finding out what kind of name the company has in the market.