Dear Sudhir

Follow basic steps to finslise your Health Policy

1. Visit your favourite two hospital of your town and look for two insurance companies which are in their panel .

2. Go to insurance desk and take their opinion .

3. Look for basic features and convenirnce of cashless treatment .

ANSWER CONTD

4. As you are a smoker , take separate policy for self amd take floater for wife and child . You take a 10 lakh plan and take 5 lakh plus 20 lakh top up for wife and child .

I hope this suffice

Shailesh

Insurance Samadhan