Considering the prevailing conditions, the only way to stay financially protected against the pandemic is by buying an adequate health insurance policy. While choosing the insurer for your health insurance plan, there are numerous factors that must be kept in mind. First is the claim settlement ratio of the insurer. The claim settlement ratio reveals the percentage of claims the insurer has paid out during a financial year. Second, do check the number of the network hospitals of the insurer in your city. Network hospitals provide the insured with the various benefits of cashless hospitalization.