Bangalore: With medical expenses sky rocketing, it is important to have a well defined health insurance to meet your medical needs. But with a lot of companies offering variety of policies, it is always confusing to choose the right one. Here are a few tips you can keep in mind while buying a health insurance to suit your needs Opt for Health Insurance provided by employer: When your are working for a company, you are certain to receive the health insurance benefits. By signing for the health insurance provided by your employer you are keeping your future safe. Because health insurance provided by the employer is always cheap and with good options Know your criteria's: Before deciding on a particular health policy, it is always advisable to evaluate your needs, keep a check on how much you spend on your medical expenses. What will be best suited for you and your family. Find out your dependant's coverage. It is very important to consider how much you can afford to spend on the monthly premiums. Compare Deductibles: Important factor like deductibles have to be given more importance. It gives an estimation of the total amount that will be paid by the company and how much money you will have to pay. Credibility of the company: When it comes to the credibility of the insurance company, it is good if you have complete information about it before signing. It is worth paying a small amount of additional premium for secured future to a health insurance company that is well known. Clear all doubts: You have to constantly ask questions and clear every single doubt. You may want to know things like, Are your current providers part of this plan? Do you need referrals for specialist visits? How easy is it to change doctors? What hospitals and facilities can you use as part of the plan? What are the procedures for having emergency room treatment approved? Know the Policy limits: Certain policies could have an upper limit of paying the expenses. You need to have complete detail of the policy limits. If ignored you will face financial problem. You will have to pay maximum of the portion at the end. What disease does your policy cover: Few policies cover only a few diseases and some are not? It is very important to study carefully which diseases are covered and which are not and it is then a good idea to get covered for those diseases which are most likely to happen. Research needed: Research well about your policy, in situation where your company denies to stand for the treatment, will it be examined by an external, independent agency. Also look into on long-term care insurance. Today the health domain is also an expensive affair. You could lose your savings with the rising health cost. What is 'emergency' according to your policy: Most of policies claim to say that 'in times of emergency' certain conditions would/wouldn't apply. You should know what the company calls as 'emergency'. You would not like to be in darkness at any point of time. Know your coverage details: Before signing in for a policy it is important to know the coverage details of the policy. Because a few polices are not valid in different cities. In such a scenario it would be a great loss for investing in policy that can't cater to your emergency. Apart from this another important factor is the preexisting illness. When an individual is already suffering from illness like cholesterol or diabetes, some policies don't consider these preexisting illness.