India, Feb. 13 -- justify;">Rising hospital bills can disrupt finances, especially when treatment decisions must be made without delay. Choosing health insurance wisely helps families access quality treatment without disturbing long-term plans and provides steady financial support in emergencies for different life stages. Policies may look similar, yet rules on claims, limits and waiting periods can differ.

This article explains, step by step, how to shortlist, compare and select a policy that fits Indian households.

The right health insurance policy starts with a clear view of who needs cover and what risks must be managed.

The sum insured is the maximum amount payable in a policy year, so it must reflect real treatment costs. Premium...