Decide early: Ideally, these plans shall be had as soon as the age of 21 is reached. There is less chance of your getting diseased in this age and at the same time; there is a significant age ahead of you.
Tell the truth: All the questions asked shall be answered truthfully. There is no need to lie on your past health situations, or family history of health. If you lie, the chances are that the insurance claims can be denied later on.
Check with your employer: If you happen to be in job, it is good to check with the employer what medical or health insurance plan he sponsors. If there is a group plan then it can be the best medical insurance for you since lower premiums are charged for these. Also, coverage under group insurance will not be related to your health conditions which would, otherwise, would have turned away the insurer.
Do not jump for one till you have consulted at least a few insurers. It is advisable to be patient and take your time in doing research in finding the right insurance company and plan for you. If you show your eagerness in front of the agent, he will certainly go for the kill to offer less than the most beneficial plan for you.
Check the company and plan ratings: The big insurance companies are rated by the reputed agencies on various parameters. You can also visit their website to know the same. Also, you can check for customer reviews and testimonials on the net. Seeking opinions from your doctor and friends is also a good idea. You can also tell the agent of a company what offerings are you getting from the others. This will bring out his views and you can judge for their trustworthiness.
Do not hesitate to ask any question: Get all your queries answered satisfactorily by the agent.
Do take some time to think on the plan offered.
So, you can get best medical insurance using your analytical capability and common sense.
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