Do health policies have riders and benefits?

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Yes. Depending on the insurance company, a number of riders and benefits are offered for added health cover. The major riders are critical illness which covers ailments like heart attack, cancer, paralysis etc. where hospitalization costs are high, hospital cash where fixed cash is offered by the insurer to cover the loss of daily income and incidental expenses while at hospital, topups to take care of changes in health cover needs or premium affordability to increase cover, attendant allowance, copayment for lower premium rates, deductibles where the risk is shared by the insured for a discount on premium, etc. Compare health insurance policies to get the most suitable one for your needs.