The first step towards getting the best health insurance is to compare insurance quotes online and what they cover, based on your needs. Questions to consider are age, type of cover, individual or family floater, affordability of premium, ailments covered, term, flexibility, benefit options, claim process and history, tax benefits, sub-limits and copayment, maximum renewability, size of cashless hospital network, premium loading, whether there is an inhouse TPA, size of floater and a number of other features such as free checkups, discounts and no-claim bonuses, depending on the insurance company. Consult a reliable insurance advisor.