Evaluate your specific needs including age, existing medical conditions, potential familial health concerns, and anticipated healthcare requirements. Then determine an appropriate premium payment plan that aligns with your financial capabilities. Compare deductibles, co-payments, and coverage limits to find a plan that fits your preferences. Take into consideration the network of healthcare providers, facilities, and services included in the plan. Thoroughly review the policy terms and conditions to understand the coverage limitations and exclusions. Take note of the different health insurance plans that are available: hospitalisation and surgical plans, critical illness plans, hospital cash plans, etc. If you are unsure about anything in the plan, speak to a qualified Financial Representative to find out more.