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What to consider while buying health insurance for family

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I am 32 years  old, married and have a 5-year-old son. My monthly income is ₹70,000. I want to get health insurance for my family.

Kindly suggest — Name withheld on request   The first thing to do while buying a health insurance plan is opt for a sum assured of at least ₹10 lakh.

This could be a family floater sum assured, so anyone in the family can use up to the full sum assured. If you have a family history of any major illness, then you can consider increasing it.

I would recommend plans that have no room rent capping, no disease-wise restriction, no co-payment and a high no-claim bonus.

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