Health insurance takes care of your medical expenses and insurance that out-of-pocket expenses are reduced up to the sum insured. Anybody who has a health insurance policy will tell you that buying one is one of the smartest financial decisions by any earning individual. Now that you have decided to buy a health insurance policy, you need to know how to select a good health insurance plan that will take care of all your needs. Here is a list of benefits a good health insurance plan should offer you: