Searching for the best health insurance plan? Which health insurance offers the best plan? Well, there is no plan will pay 100% of your medical expenses. The difference is some plans might pay more, while some will pay less. Whether you buy the plan yourself or your company covers for you, these are some of the things you should find out.

1) Premium
You need to ensure that you are able to pay the premium monthly, quarterly or yearly promptly. As investing in health insurance will result in you have lesser money to spend now, you need to ensure the premium are affordable to you. However, as medical costs rise, consultants will generally advise you to cover as much as you can. Premiums are also much higher for a plan that covers you up to an advanced age.

2) Coverage / Benefits
You need to find out what are the diseases cover by the plan and what are the benefits buying the plan such as discounts for family members, hospitalization and surgical coverage, tax relief, daily cash allowance and so on.

3) Accessibility to hospitals
As some insurance plans require you to seek for medical treatment at the selected networks, you will need to find out whether your favorite doctor or hospital is included on the list for the health insurance you choose. You also need to keep yourself updated with the list of network listed in the plan.

4) Duration of coverage
You need to decide on the duration of your coverage, either long term or short term. You may want to find out more about the policy covers for you by your employer, if any, and see if it is sufficient for you.

5) Last but not least, when buying a policy, make sure you take a good look at the terms and conditions as well as your coverage items and limits that are pegged to them.

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