To enjoy comprehensive health care protection, ideally you should have:
* A hospitalization and surgical insurance plan which covers room and board, laboratory fees, use of special facilities, nursing care, and certain medicines and supplies which are medically necessary.
* A critical illness plan. With this, the policy-holder will get a lump sum cash payment from the insurance company if he/she is diagnosed with any of the critical illnesses listed under the policy.
* A hospital income plan that provides income replacement should the insured person be hospitalized due to an accident or illness.
* A disability income plan that covers the policy-holder’s day-to-day expenses if he/she is unable to work due to an accident or illness.
Food for thought : when health is lost, something is lost;