Health Insurance Policy: Options explained!

You may be aware of the basic features of your health insurance policy. But do you know that there are additional options that you can use to customize your health insurance policy? Each of these options (called covers) can be opted for depending on your preferences. Accident Hospitalisation: As per the Ministry of Road and Transports annual report on road accidents based on the data reported by Police authorities throughout India, road safety continues to be a cause for concern: Therefore, it is sensible to opt for additional accidental cover, it will be of great help in case of hospitalization due to accident. This amount will be in addition to the normal hospitalization Sum Insured. Donor Expenses: cover the cost of medical expenses (subject to applicable limits) incurred in respect of the donor for allowed organ transplant procedures. These are usually part of the features within a policy. However, most companies will require continuous insurance for at least 2/3 year...