I am 38 years married and reside in Mysuru. A friend of mine recently lost his eyesight due to medical negligence of the doctor.I have availed a health insurance plan and have 2 doubts: Is there any health insurance plan which specifically covers disability due to medical negligence of the doctor? Are the premiums for this kind of a policy expensive?
Most health insurance policies cover treatment costs for disabilities that may be because of third party negligence. You don't need to look at any specific health cover which covers disability due to medical negligence of the doctor. If a person loses his eyesight due to medical negligence of the doctor, the health insurance plan takes care of the hospitalization expenses. You must also consider availing a personal accident plan. The health insurance plan will pay the treatment costs and the personal accident plan will pay a fixed sum on permanent/partial disability.