Today, health insurance is no longer just a formality; it has become a crucial safeguard for life. However, problems arise when, despite having a policy, you still have to pay out of pocket during treatment. The biggest reason for this is that people often overlook essential coverage.

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

1- Critical Illness Cover

The treatment of diseases like cancer, heart attack, stroke, and kidney failure is extremely expensive. Regular health insurance often doesn't cover the full cost of these illnesses. Critical Illness Cover provides a lump sum payment upon diagnosis of the illness. 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 make more than one claim in a year.

4- No Claim Bonus
If you don't make 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 increasing the premium. In the long run, this feature provides significant relief for expensive treatments.

5- Room Rent Modification
Choosing a hospital room is not just about comfort. If your policy has a room rent limit, choosing an expensive room may result in deductions from other expenses as well. With policies that offer Room Rent Modification or No Room Rent Limit, you can choose a room according to your needs. This does not affect doctors' 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 even without making a claim
Protection against deductions in hospital expenses

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

Disclaimer: This content has been sourced and edited from Zee Business. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.