New Delhi, Sept. 1 -- Rising medical costs in India can turn even a routine hospitalisation into a severe financial shock. While securing a comprehensive health insurance policy is the most effective safeguard, finding the right plan requires balancing several moving parts.

From choosing the appropriate sum insured and policy structure to checking hospital networks and pre-existing illness clauses, here is what you need to evaluate before buying a policy.

Medical insurance shields policyholders from unpredictable and often steep healthcare expenses. With adequate coverage, hospitalisation costs no longer pose a financial strain, enabling treatment at top-tier hospitals without worrying about the bill.

Additionally, health insurance pol...