Due to rising cost of treatment and other allied service, it is really becoming tough to fight medical emergency. To meet this sort of situation health insurance is the only option. However, before selecting the best option we have to consider about the facilities and the scopes provided by different insurance company and compare the offers. The cashless option needs to be there and you have to find out the list of the hospitals under its MOU. The Basic requirements of the policy need to be evaluated and judged from the perspective of a consumer. You have to check, if the option for accidental claim is included in the policy. The premium and the renewal of the policy should be hassle free. Before signing the proposal form, check the market feedback about the promptness of reimbursement.