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I have spent few days reading articles, talking to insurance agents, online agencies gathering information to find the right insurance policy for my family. These factors have helped me identify the best one among so many in the market today.Following are some of my key takeaways. Every point also includes the corresponding information from the policy I have chosen for my family.1. MAXIMUM HEALTH COVERAGE - Always prefer a plan that offers maximum health coverage and maximum amount for the treatment. Today, simple heart surgery can cost between 5-10 lakhs which triples if you end up in some suite room of a good hospital. People say go for a lesser cover if you are young, however, the rate at which critical illnesses are detected even among the youth today, it would be prudent to opt for a higher cover.I am 33 and have taken an insurance cover of Rs. 25 L for me and my family. Comes to approximately 2300/- per month.2. FAMILY FLOATER - If you are a family person, it is better to opt for a family floater plan which covers your family. It means, anyone can utilize the total cover during medical treatment.I have opted for a Family Floater.3. NO SUB-LIMITS - Most insurance policies come with sub-limits on per day medical expenses, room rent in case of hospitalization etc. Consider those plans that offer the highest slab on room rent or other health care expenses. For example, the room-rent may be capped at 1 percent of the sum insured or only an AC Room and not suite. So, irrespective of the total sum insured of the policy, one may have to pay out-of-pocket hospital bills unless one sticks to the limit.I have opted for a policy with no cap on room rent. So it doesn’t matter if it’s a suite or AC room or shared.4. RESTORE BENEFIT – This is the most important feature of any insurance policy. A comprehensive health insurance policy usually covers hospitalization expenses up to the total sum insured. Considering the rising health-care costs, it is quite possible that the entire sum insured gets exhausted in a single hospitalization and this is when ‘restore benefit’ in a health insurance feature comes in. Restoration benefit is a feature that reinstates the total sum assured if it is used up in any given policy year. However, the premium for policies with restore benefits is also high.In my policy, there is an instant addition of 100% Basic Sum Insured on complete or partial utilization of existing Policy Sum Insured and No claim bonus (if applicable) during the Policy Year. The Restore Sum Insured can be used for all claims under the Inpatient Benefit.5. NO CLAIM BONUS (NCB) - In case you do not claim, insurance companies provide a bonus by increasing your coverage on renewal. Increase in your coverage is very useful as the medical costs keep rising by almost 15% every year. No-claim bonus typically comes in two different forms.Discount on the premium amount charged for a policyCumulative benefits offered in the form of higher sum insured amountI recommend option 2 as a few rupees discount in yearly premium is hardly even worth the comparison.NCB for my policy which gives me both discount as well as cumulative benefits. Details below:A bonus is applied by enhancing the renewed policy’s Sum Insured by 50% of the Basic Sum Insured of the previous year’s Policy. The maximum bonus will not exceed 100% of the Basic Sum Insured in any Policy Year.A discount is applied at each renewal if the insured member achieves the average step count target on the mobile application provided by us in the specified time interval (calculated from the policy risk start date) as per the grid in the policy document6. INCURRED CLAIM RATIO (ICR) - The ICR metric indicates a general insurer’s ability to pay a claim. For instance, an ICR of 85% implies that the company has spent Rs 85 on claims for every Rs 100 collected as premium. An ideal ICR range recommended by experts is between 60 - 90%, which indicates a healthy settlement of claims by the insurer against the premium collection.My policy provider has an ICR of 62.47 % as per IRDA Annual report for 2017-20187. CO-PAYMENT – Most providers don’t charge anything till the age of 65. After that, it is generally 10-20% of the total bill. I believe that is the age when one would be treated more often and apply for claims. Also, I don’t want the headache of paying anything irrespective of the age.My policy has no co-payment charges at any age.8. HOSPITAL NETWORK - Network listed hospitals are cashless, non-network is reimbursable – Opt for a policy that has the most number of hospitals in its network.My provider has 4500+ network hospitals in Bangalore which is pretty decent. There are other companies which have 8000+ hospitals in their network.9. TYPE OF INSURANCE COMPANIES: There are 2 types of Insurance providers. Standalone and General Insurance companies. Standalone is better than General Insurance providers because of the faster approval process. When a claim request is made – hospitals write a pre-authorization letter to the insurance company for cashless approvals. A general insurance company takes longer time for approvals when compared to standalone companies where the same comes within an hour.My policy is from a standalone health insurance company.10. PRE-EXISTING ILLNESSES – The lesser the waiting period the better.My policy covers them after 3 years.11. BUYING ONLINE vs AGENTS – They say it’s good to have a face associated with the insurance provider and that’s why people recommend taking via agents. However, there is no guarantee that person will be available for you in your time of emergency. With online, you will have all your documents in one place and better customer support through dedicated helplines. Either way, you will be paying the same premium.I bought my policy online through Coverfox for convenience purposes.12. OTHER GOOD TO HAVE FEATURES (my corresponding policy cover detail)Eye cover (Not covered)Pregnancy Cover (Not covered)Dental Cover (Not covered)Health Checkup (Covered)Critical Illness Cover (Not covered)13. GENERAL FEATURES - covered by most policiesDaycare treatments (Covered)Expenses before and after hospitalization (Covered)Daily hospitalization allowance (Covered)Emergency Ambulance expenses (Covered)OPD expenses (Not covered)I hope this analysis is helpful for you to determine the insurance plan that best suits your needs. I don't want to promote any insurance company on a public forum like Quora.———— ——————————————UPDATE23 Dec, 2020- I have not been active on Quora and haven't been able to respond to your Insurance queries.However, Finshots have come up with an easy tool called DITTO to understand your chosen Insurance policy. Do explore, as it will help answer most of your queries.Health Insurance Analysis - understand, compare and review Health insurance | Ditto

This is not legal advice, nor is it necessarily inclusive of all practices and procedures for each and every restaurant. This is what you should do for your own benefit, because the stores have liability insurance which may be able to cover the cost to get your tooth fixed (or any other injury that may have occurred).Stop eating the product. This seems like a petty issue, but it’s actually very important as it speaks to accountability.* If there was a bony substance in it, you want to preserve all evidence possible. This is because, for one, it proves that you were, in fact, in the process of consuming their product. Ceasing to continue eating is assurance that you were alarmed enough to avoid further injury.This sort of thing is considered physical contamination. That’s just like finding a hair, a flake of chipped nail polish, dirt, fuzz, or any other foreign object in your product. It is a serious cause for concern, as it is equally possible that what you think is a bone is actually a shard of manufacturing plastic. That’s the second reason that it’s important to keep the product. It may not be a piece of bone from the meat; it may be a plastic shard from the condiment container, or was stuck to a piece of lettuce, or floating rogue in the onions.Send the injured party for proper dental or medical help. Send someone else to return to the store with the semi-eaten product, the shard, and your receipt for proof of purchase. Bonus points if it’s still warm. The manager at the store will help you fill out an insurance claim form, and will know much more about where to proceed from there for their particular operation.* It’s worth noting that this also true for any instance in which you want to make a claim that a product is defective. Allergic to tomatoes? Where’s the sandwich? You asked for no pickle, but it had pickles on it? Where’s the sandwich? There was glass in your french fries? Then where are they? That last one is a true story, and it wasn’t possible for the piece of glass that was allegedly in his mysterious missing fries to have come from a McDonald’s, either. It would have helped somewhat if he could have at least shown that he was afraid to put his fingers back in the package, or put any more of the product into his mouth.

Has anyone succeded in using diet for reminirelization of a tooth cavity?No, I assure you that no one has done that. What you can do with diet, and that dentists and dental hygienists have been promoting that you do for many many years, is stopping the progression of dental caries and to a degree remineralize enamel. But once you have an actual cavity this basically won't work.Enamel of your teeth is basically made up off hydroxyapatite salt crystals and like all crystals they will grow indefinetely provided enough substance to grow from. The oral cavity is a very harsh environment though and quite often the pH of the environment gets low enough to start demineralizing your teeth (ie. when you eat sugars that get fermented or consuming acidic foodstuffs). Most of the time this gets cleared with saliva and your teeth start remineralizing from the natural growth of the crystals that use various things in your saliva as a substance. This is why dentists and dental hygienists are adament about you fixing your diet to prevent cavities... a good diet tilts the balance towards being more remineralization than demineralization and no cavities form.However. These crystals won't grow uninterrupted. Your teeth quickly get covered by various proteins that prevent your teeth from growing indefinitely... and once you have a cavity the inside walls of the cavity will also get covered by this, and due to there being a big chunk of crystals gone there just won't be any regrowth. No one has shown any evidence that actual cavities can be repaired by diet. People who claim to have these have, most likely, had something that kinda looks like a cavity on x-rays but what they actually have is a dissolution of crystals inside the outermost layer of the enamel but still there's an intact layer of enamel outside of this. Or they have very small cavities and them fixing their diets have stopped the progression of the caries disease and then all pain stops... which is also exactly what your dentist will tell you to do.