Now the pace of life becomes more and more quickly, when the disease occurs, the expenses of healthcare is not a few. Therefore, to buy health insurance is many people choice at present. There are a loa of medical insurance policies and products. This is a field which produce settlement of insurance claim superiorly. To this end, the experts remind that comsumers should pay attention to three aspects when they buy medical insurance. First, people should insure hospital medical treatment. Medical treatment risk mainly contains outpatient service risk and hospital risk. And the latter one is more important. Second, to implement truthfully informed obligation when you insure health insurance, the insurance company will proceed strict check on the disease factors such as the physical condition and past medical history of the insured. And theae need the insured informed truthfully. Otherwise, it may cause the insurance contrct invalid. When the accident happens, the insurance company will not assume liability to pay compensation. Finally, note medical insurance for the age limit.