Top 5 Mistakes to Avoid When Buying Health Insurance

💡 Health Insurance — The Decision Most People Rush

Most people buy health insurance only when a friend gets hospitalised or a company policy falls short. In the hurry, they end up with plans that look good on paper but fail them during claims.

Here are the top 5 mistakes to avoid when buying health insurance — and how Planswell Brokers ensures you don’t make them.

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1️⃣ Choosing the Wrong Sum Insured

Many people underestimate how much medical care actually costs. A ₹5 lakh cover might seem enough today — until a single hospitalisation wipes it out.

✅ How to avoid it:
Pick your cover based on your city, family size, and lifestyle. Planswell Brokers helps you calculate the right sum insured so you’re truly protected, not just insured.

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2️⃣ Ignoring Pre-Existing Diseases and Waiting Periods

Every policy has waiting periods — especially for pre-existing conditions or maternity benefits. Many buyers realise this only when their claim is rejected.

✅ How to avoid it:
Be upfront about your medical history. Our advisors at Planswell Brokers guide you to policies with shorter waiting periods or options that cover pre-existing conditions sooner.

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3️⃣ Focusing Only on Premium, Not Coverage

The cheapest premium often comes with the smallest hospital network, room rent caps, and sub-limits that cut your claim drastically.

✅ How to avoid it:
Compare coverage depth, not price tags. Planswell Brokers reviews multiple insurers to balance affordability with robust coverage — so you don’t pay less today and lose more tomorrow.

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4️⃣ Overlooking Restoration and No-Claim Bonus Features

Many people don’t realise that once your sum insured is used up, some plans restore it automatically — while others don’t. Similarly, a no-claim bonus can increase your coverage each year.

✅ How to avoid it:
Ask about these hidden boosters before you buy. The Planswell Brokers team ensures you get policies with smart features like restoration benefits and annual coverage growth.

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5️⃣ Not Understanding the Claim Process

Even a great policy can feel useless if you don’t know how to claim it. Many people struggle during emergencies because they don’t know which documents or networks to use.

✅ How to avoid it:
When you buy through Planswell Brokers, you get personalised claim assistance — from hospital coordination to documentation and insurer follow-up. We make sure your claim is settled quickly and fairly.

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🏥 Final Thoughts

Health insurance isn’t just about buying a policy — it’s about securing peace of mind. Avoiding these five mistakes can save you money, stress, and disappointment when you need support the most.

At Planswell Brokers, we offer personalised, spam-free advice so you choose the right health plan for your family, not just the one everyone’s selling.

💬 Planning to buy or renew your health insurance?
Speak to an expert at Planswell Brokers today for a clear, honest, and customised recommendation — and sleep better knowing your health is truly covered.