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 'Any one illness'

It means the continuous period of illness, including relapse

within a certain number of days as specified in the policy.

Usually this is 45 days

Additional Benefits and other stand-alone policies:

Insurance companies offer various other benefits as “Add-ons”

or riders. A few companies have come out with products in the

nature of Top Up policies to meet the actual expenses over and

above the limit available in the basic health policy. This is of

special advantage when someone has taken a health insurance

plan several years ago and never considered increasing the sum

assured. Now with main carrier not agreeing to increase sum

assured, a top up policy can be availed from another insurer.

This is used only after the sum assured in the main policy is

exhausted.

 A Hospitalization policy covers, fully or partly (as per

policy terms and conditions), the actual cost of the

treatment for hospital admissions during the policy period.

This is a wider form of coverage applicable for various

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