When it comes to health insurance, having a comprehensive policy that leaves no stone unturned is crucial.

While most health insurance plans offer basic coverage, there are several additional covers that you can opt for to provide extra protection for your health and wallet. These covers not only offer financial security but also ensure that you are well-equipped to deal with any unforeseen medical emergencies.

In this article, we will explore the top four additional covers that you should consider adding to your health insurance policy to enjoy complete peace of mind.

1. Critical Illness Cover

A critical illness cover is designed to provide a lump sum amount in case you are diagnosed with a critical illness that is covered by the policy.

This cover typically includes major illnesses such as cancer, heart attack, stroke, kidney failure, and organ transplants. The benefit of having a critical illness cover is that it offers a one-time payout upon diagnosis, which can be used to cover medical expenses, rehabilitation costs, or even to replace any lost income due to the illness.

2. Maternity Cover

If you are planning to start a family or already have plans to conceive, opting for a maternity cover is essential.

This additional cover not only offers financial support during pregnancy but also takes care of any medical expenses related to childbirth. Maternity covers usually include prenatal and postnatal care, delivery charges, and even newborn baby coverage for a specified period after birth.

By including a maternity cover in your health insurance policy, you can ensure a worry-free pregnancy journey without having to bear the burden of hefty medical bills.

3. Personal Accident Cover

Accidents can occur unexpectedly, leaving you with severe injuries, disabilities, or even loss of life. To safeguard against these unfortunate events, a personal accident cover is highly recommended.

This cover provides financial assistance in case of accidental death, disablement, or even temporary/ permanent total or partial disabilities resulting from an accident. It offers compensation that can be used to cover medical treatment, rehabilitation, or to replace any lost income due to the accident.

4. Health Check-up Cover

Prevention is always better than cure, and that is where a health check-up cover comes in handy. Regular health check-ups are essential to detect any potential health issues at an early stage, allowing for prompt treatment and better outcomes.

With a health check-up cover, you can get reimbursement for expenses related to preventive health check-ups, including diagnostic tests, consultations, and screenings. This cover encourages you to prioritize your health and well-being by making routine check-ups more affordable.

Adding these additional covers to your health insurance policy can provide you with comprehensive coverage, ensuring that you are protected from all fronts.

Proper protection not only saves you from financial distress but also ensures that you receive the best possible medical care when you need it the most. So, don’t compromise on your health and financial security – make sure to opt for these additional covers and have complete peace of mind.