Most financial advisers and planners say that Indians are under-insured in terms of health cover. Some don’t consider it a necessity, some have too small a cover, while some depend only on the corporate cover that their employer provides. But if you plan to go further and buy adequate health cover for yourself, where would you start? How do you buy a health insurance plan? If you settle with the plan your agent sells or are happy knowing you have bought the cheapest plan, there is a bit of unlearning and a lot of learning in store for you. To give you a ready comparison, we designed Mint SecureNow Mediclaim Ratings (MSMR).