Having health insurance is important to cover medical expenses that may arise due to illness or injury. However, not all health insurance policies are created equal. There may be additional covers that you can consider to add to your policy.

Here are the top 4 additional covers to consider for a complete health insurance policy.

1. Critical Illness Cover

While health insurance covers hospitalization costs, critical illness cover can help you manage expenses that come with illnesses such as cancer, heart disease, and kidney failure.

This type of coverage pays out a lump sum on diagnosis of a critical illness, which can help you cover medical expenses and also help you with your day-to-day expenses while you are recovering.

2. Maternity Cover

If you are planning to start a family or already have a child, maternity cover can be a valuable addition to your health insurance policy.

This cover can help you with the expenses related to childbirth, including doctor visits, delivery charges, and hospitalization costs. Some policies also cover the costs related to prenatal and postnatal care, including ultrasounds and vaccinations.

3. Dental Cover

Your health insurance may not cover dental treatments, which can be expensive. Dental cover can help you manage expenses related to dental treatments such as fillings, root canals, and braces.

This cover can also include regular check-ups, cleanings, and preventive treatments such as fluoride treatments and dental sealants.

4. Personal Accident Cover

Personal accident coverage can protect you financially in the event of an accident that results in injury, disability or death. This coverage can help you with hospitalization, surgery, rehabilitation, and medication costs.

Some policies also cover a daily benefit while you are in the hospital.

Conclusion

While basic health insurance policies provide coverage for medical expenses, additional covers can protect you financially in critical situations.

By understanding and considering these additional covers, you can create a comprehensive health insurance policy that protects you and your family from unforeseen medical expenses.