India, May 18 -- justify;">Many people compare health insurance plans in India by checking the premium and cover amount, but the policy document explains how the plan actually works.

It tells you what may be covered, and the limits & conditions that you should know. Once you understand these basics, reading a health insurance policy becomes much easier.

Start by checking the basic details in your policy document, such as the policyholder's name, insured members, policy number, policy period, sum insured, premium, and nominee details. If you have a health insurance policy for your family, make sure every intended member is listed correctly.

Also, understand the policy start date and renewal date so you know about the start and renewal d...