India, Jan. 3 -- Health costs in India can rise quickly, especially when treatment stretches across months and affects income as well as savings. That's why many families look beyond a single cover and consider pairing health insurance with critical illness insurance. Used together, they can support hospital bills and also help with the wider financial pressure that often follows a serious diagnosis.

This article explains how the combination works, what to check before you buy, and how to align it with real needs.

Health insurance and critical illness cover are built for different kinds of expenses, so knowing their role makes the pairing easier to plan.

A standard health insurance policy is mainly built for medical expenses linked to ...