Some of the primary factors you should consider in a health insurance plan: affordability and competitiveness of insurance premium and cover, easy and swift claim process, shorter waiting period, a large network of hospitals, option to add top-ups and riders, option for a family healthcare plan, pre-and post-hospitalisation benefits, cumulative bonus, lifetime renewals, and free medical checkups. In recent times, the extent of COVID-19 treatment coverage is also worth considering.