New Delhi, Feb. 3 -- Choosing a policy can feel confusing because many benefits look similar at first glance. The easier way is to match the plan to actual risks, budget, and how healthcare is typically used. Health insurance is mainly meant to reduce the financial strain of hospital bills, so your focus should stay on coverage that remains affordable for the long term.

Needs change based on age, family size, and existing medical history. A working professional may prioritise basic hospitalisation cover, while a household with children may prefer broader protection and a higher cover amount.

If policies are purchased for more than one person, health insurance plans for family can be worth comparing because they may cover multiple member...