Ques: Hi, I am looking for a health insurance plan that covers long-term sickness. If the insured unable to earn which plan he should avail and how much benefit he will get?
Regular health insurance policies cover up to a certain number of days and up to the sum insured of the policy. Long-term sickness can also fall under critical illness policies in which you will get a lump sum amount on being diagnosed with a critical ailment regardless of hospital expenses. However, the amount is paid on the diagnosis of only specified diseases.