Introduction
Buying health insurance is a significant decision, yet many policyholders make avoidable mistakes that cost them money and peace of mind. Here’s a list of the top five errors to watch out for and how to steer clear of them.

Mistake 1: Choosing the Cheapest Plan
While affordability matters, the cheapest plan often lacks sufficient coverage. Opt for a plan that balances cost and benefits.

Mistake 2: Ignoring Policy Exclusions
Exclusions are conditions or treatments not covered by your plan. Always review these to avoid surprises during claims.

Mistake 3: Overlooking the Waiting Period
Policies often have waiting periods for pre-existing conditions or maternity benefits. Choose plans with shorter waiting periods if you need immediate coverage.

Mistake 4: Not Considering Network Hospitals
Ensure the insurer’s network includes hospitals near your location to avail of cashless claims easily.

Mistake 5: Skipping Policy Renewals
Lapsed policies mean loss of coverage and benefits. Set reminders to renew your policy on time.

Conclusion
Avoiding these common pitfalls can help you select a health insurance plan that truly protects your health and finances. Do your research, ask questions, and make informed choices.