What to check before buying health insurance policy for 1st time?

Before buying a health insurance policy for first time, buyers shall check co-payment clause, room rent limit and disease-wise sub-limit (fixed payout cap for procedures like cataract surgery). They should check if policy covers pre and post-hospitalisation costs, day care procedures, treatment at home and non-allopathic treatments. They can also look for no-claim bonus and restoration benefit.