Buying insurance on advice of other people or insurance agent is easy but little unsafe because they might have their hidden motives behind it. So to select customized health insurance plan out of multiple options which will suit your priorities, you must at least study some basics of health insurance.

1. For a family person, it is advantageous to go for a family health plan, which is more flexible, economical and will provide higher coverage to all the family members.
   
2. Fill the declarations on the proposal form accurately and truthfully. Do not hide any health related information so that when the claim is made, payment is done without any trouble.
3. Confirm if your preexisting medical conditions are covered in the health plans.
4. Check if preventive care/ routine care like checkups are also included in the plan.
5. Check whether dependents are covered in the plan. If children are allowed, then confirmed till what age they are insured.
6. Crosscheck with insurance company that whether facilities like Nursing home care, rehabilitation, experimental or alternative treatments etc are available with the plan or not.
7. List out the features required, analyze what type of plan will suit more- a traditional or managed care plan, any special criteria that needs to be considered. Estimate the expected annual medical expenses.
8. Determine the options available with the various insurance companies.
9. Check the services offered by each plan. Compare them with features important to you.
10. Compare the costs associated with different plans. Costs include premiums, deductibles, coinsurance/copayments and out-of-pocket expenses.
11. Look for the medical providers, hospitals and doctors in the plan you are considering. Check the quality and reputation of individual doctors and hospitals involved in the network. Also look at the out-of-network medical care and the treatments for chronic and already existing diseases.
12. Check the quality of insurance plan by ratings from various independent/ non-independent government organizations, member dropout rates, experience of people having that plan etc.
13. Review each plan’s exclusions and limitations as there may be some services not covered in the plan.

It is always advisable to think from long term perspective while choosing the best health insurance, because you may lose the intrinsic benefits associated with previous plan or incur additional cost by switching from one plan to other. Implementing above instructions will help you in getting more tailor made product which will be adaptable with your insurance needs.