Make sure to include these 5 things in your health insurance, otherwise, if you ever need to be hospitalized, you'll regret it!

If you don't choose the right coverage when buying health insurance, you'll face financial stress along with your illness. Especially if features like Critical Illness, Disability, Unlimited Restoration, No Claim Bonus, and Room Rent Modification are missing, you could suffer significant losses if you need to be hospitalized. Therefore, it's crucial to pay special attention to these 5 points when buying a policy.

Today, health insurance is no longer just a formality, but a vital safety net for life. However, the problem arises when, despite having a policy, you still have to pay out of pocket for treatment. The biggest reason for this is that people often overlook essential coverage.

Often, people buy policies simply to keep the premiums low. But the real truth comes out when it's time to file a claim after hospitalization. Therefore, you should definitely include these 5 things mentioned below when buying health insurance.

1- Critical Illness Cover

Treating illnesses like cancer, heart attack, stroke, and kidney failure is extremely expensive. Regular health insurance often doesn't cover the full cost of these diseases. Critical Illness Cover provides a lump sum payment upon diagnosis. This money can be used to cover treatment, medications, and even household expenses. This coverage provides significant support during prolonged treatment.

2- Disability Cover

An accident can change your entire life. If an accident results in permanent or temporary disability, it directly impacts your income. Disability Cover helps manage the loss of regular income in such situations. This feature is considered essential for covering medical expenses as well as daily needs.

3- Unlimited Restoration Benefit

Many people think that if the sum insured is exhausted, the policy becomes useless. But Unlimited Restoration is the solution to this problem. If the sum insured is depleted, this feature replenishes it. Importantly, the coverage remains even if you file more than one claim in a year. 4. No Claim Bonus

If you don't file any claims throughout the year, the company rewards you. This is called a No Claim Bonus. With each claim-free year, your sum insured increases without any increase in premium. In the long run, this feature becomes a great relief for expensive treatments.

5. Room Rent Modification

Choosing a hospital room isn't just about comfort. If your policy has a Room Rent Limit, opting for a more expensive room can lead to deductions in other expenses as well. With a Room Rent Modification or No Room Rent Limit policy, you can choose a room according to your needs. This prevents any deductions in doctor's fees and other charges.

Why are these 5 features the most important?

These five coverages directly impact both treatment and expenses.

• Financial security in case of serious illness
• Income support after an accident
• Relief in case of multiple claims
• Benefits for not filing claims
• Protection against deductions in hospital expenses

This is why they are considered the strong foundation of health insurance.

Conclusion

Health insurance is only useful when it provides complete support during difficult times. A policy is considered incomplete without features like Critical Illness Cover, Disability Cover, Unlimited Restoration, No Claim Bonus, and Room Rent Modification. It's best to include these 5 features when buying health insurance so that you can focus on your health during treatment, not on finances.

Frequently Asked Questions (FAQs)

1. Why is health insurance necessary?
To protect against rising medical expenses.

2. What does Critical Illness Cover provide?
A lump sum amount for serious illnesses.

3. How does Unlimited Restoration work?
It replenishes the sum insured.

4. What is the benefit of a No Claim Bonus?
The sum insured increases without filing claims.

5. Why is a Room Rent Limit disadvantageous?
It leads to deductions in other expenses.