Irrespective of which insurance provider you take your health insurance from, your insurance or policy is only as good as its claim settlement process is. Before you finalise on an insurance policy, you should ask the company about its claim-settlement process to assess whether the process is simple or not.

Furthermore, you should take special care to notice whether the insurance company settles the claims through cashless facility or by reimbursement. A cashless facility is your best bet to avoid any financial burden of medical bills.

Knowing the details of your insurance policy is very important if you want your claim under the plan to be settled without any trouble. Your broker would be the best person/entity to give you clarity on your insurance-related questions. So, talk to your broker, get your health insurance queries answered and only then buy a health plan.