When it comes to health insurance policies, always read the whole policy, even the fine print at the end. You’re right, this isn’t a lot of fun, but it might save you grief later, and here is why.
There are health insurance brokers who offer really good lifetime maximums (on medical expenses) for the life of a health insurance policy. However, the fine print may say that the plan has a per-incident, per-year maximum, and that those limits will supersede the lifetime maximum. Talk about being between a rock and a hard place. So this is something you want to catch before you buy anything.