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<h1>Underinsurance risks: choose adequate sum insured and check sub-limits, waiting periods, network hospitals to avoid surprise costs.</h1> First-time buyers must choose an adequate sum insured and assess premium trade-offs such as co-payment clauses. Verify the insurer's hospital network for cashless access and inspect any sub-limits that may cap reimbursements. Check waiting periods for benefits like pre-existing conditions and maternity cover. Read full policy wordings, examine the insurer's claim settlement record, ensure affordability over time, and use premium calculators; consider add-ons only to fill specific gaps.