Always make your decision based on your budget. Do not opt for policies that are expensive and prove tough to be continued later. So do not go for private health insurance policy, if your budget does not permit, as these kinds of policies are too costly.

Always go for government health insurance policies, which are affordable and lucrative financial schemes. But remember not to opt for health insurance policies in the later part of your lives, because of old age you will be highly penalized.

Always opt for government health insurance policies before the age of thirty-one. You have to pay two percent surcharge every year, which can even range up to seventy percent, if you are more than thirty-one.