This is how health insurance mechanism works in India: Choosing a plan- An individual can choose a health insurance plan according to his/her needs based on facilities provided, expenses covered, etc.
from an insurance company of one’s choice. In case of pre-existing ailments, different companies have different policies for cover.
Thus, it is very important to choose the right plan for oneself keeping in mind all the relevant factors. READ MORE: How to reduce the health insurance premium? Calculation of premium- After selecting an insurance plan, the premium is calculated for the buyer.