10 things to know before purchasing a Health Insurance Policy ?

Please do look in to the following when you purchase a health insurance policy :

1)   Your need (Hospital Cash,Critical Illness,HC+CL+Death Benifit)
2)   Age limit & Maturity Age
3)   Amount of premium need to pay(monthly/quaterly/yearly)
4)   The amount of premium increase in later years(5).i.e,Premium Guarantee
5)   Any exclusions
6    Pay Limitations.i.e, pay percentages for claims
7)   Coverage inclusion for preexisting diseases
8)   Does the policy continue after one claim ?
9)   Network of hospitals you cover in the region you reside
10) Claims Process in Network & Non-Network hospitals