Many people think that health insurance policies COVER only hospitalisation expenses. However, most plans offer additional benefits apart from hospitalisation expenses. Additional covers vary for different plans / COMPANIES, however most of them are offered without additional premium charges. Other covers offered by health insurances are:

Daily hospital cash allowance: Some policies allow a daily allowance when hospitalised which cover food, refreshments and other expenses which is normally a pre-fixed amount on a per-day basis.

Recuperation benefit: Some policies treat post-hospitalisation as the period of recovery, and allow CLAIMS for related expenses incurred upto a certain time period. Policies also promise a lump-sum amount in case of a prolonged stay at the hospital.

Attendant allowance: Some policies GRANT a fixed amount on a per-day basis to ADULTS who look after an insured child at a hospital.

Critical illness: Some policies offer a higher sum insured limit for certain critical illnesses.

Ambulance charges: Health policies even cover ambulance charges

On buying the health insurance policy, it is important to go through the fine print in detail. Many benefits of health insurance go unused simply due to the lack of knowledge of what is covered in the policy.

Many people think that health insurance policies cover only hospitalisation expenses. However, most plans offer additional benefits apart from hospitalisation expenses. Additional covers vary for different plans / companies, however most of them are offered without additional premium charges. Other covers offered by health insurances are:

Daily hospital cash allowance: Some policies allow a daily allowance when hospitalised which cover food, refreshments and other expenses which is normally a pre-fixed amount on a per-day basis.

Recuperation benefit: Some policies treat post-hospitalisation as the period of recovery, and allow claims for related expenses incurred upto a certain time period. Policies also promise a lump-sum amount in case of a prolonged stay at the hospital.

Attendant allowance: Some policies grant a fixed amount on a per-day basis to adults who look after an insured child at a hospital.

Critical illness: Some policies offer a higher sum insured limit for certain critical illnesses.

Ambulance charges: Health policies even cover ambulance charges

On buying the health insurance policy, it is important to go through the fine print in detail. Many benefits of health insurance go unused simply due to the lack of knowledge of what is covered in the policy.