New Delhi, March 12 -- When buying health insurance in India, it is good to know what the riders are so that your policy becomes more efficient and personalised as per your needs, aspirations and expectations.

There are extra benefits tagged on to your basic health insurance policy which are termed add-on benefits. These are also called riders wherein some special requirements may not be included in a general policy. This write-up is dedicated to discussing 5 riders that you should familiarise yourself with:

This rider pays a lump sum amount when you are diagnosed with a critical illness, such as heart disease or cancer. It is an emergency fund to pay for your medical bills and maintain your lifestyle while you recover from your illness...