It has been said time and again that having a decent health insurance is very important. It saves trouble while dealing with medical emergencies. Now experts are emphasizing the importance of critical illness cover to meet the challenge that certain dreaded diseases can pose. Are the two different and are critical illnesses not covered under a regular health insurance? Why is there a need for critical illnesses cover? Both are medical insurance policies but with certain basic differences.
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Checkout the specific features and importance of each??
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Health Insurance
Health insurance covers the cost of hospitalization and the cost of treatment during hospitalization. This includes sudden illnesses, injury and surgery. The claim may be in the form of reimbursement or cashless claim depending upon the insurance policy. The claim amount depends on the cover amount and expenditure. The policy has to be renewed every year to keep it in force. It does not end after the claim.
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