: Look for insurers with a high CSR (ideally above 90%) to ensure they pay out claims reliably.

: Compare how long you must wait before the policy covers pre-existing conditions (typically 3–4 years). 3. Application Process

: Balance affordable premiums with adequate coverage; do not assume the costliest plan is always the best. 2. Research & Comparison

: Identify any pre-existing diseases (PEDs). Honesty in disclosure is critical to avoid claim rejection later.