Supplementary insurance is an additional health coverage that complements your primary insurance. It helps cover costs and services that may not be included in your main plan, such as critical illness treatment, hospitalization, dental, vision, and income replacement.

Primary health insurance often has limits, deductibles, or excluded treatments. Supplementary insurance fills these gaps, ensuring you’re protected against unexpected medical expenses without draining your savings.

Depending on the plan, coverage may include hospitalization costs, critical illness care, dental and vision treatments, prescription medications, and partial income replacement during medical emergencies. Some plans also offer wellness benefits and preventive care coverage.

Yes, you can have your own supplementary insurance even if you’re included in your spouse’s policy. This ensures additional flexibility, higher coverage limits, and protection tailored to your individual healthcare needs.

Selecting the right plan depends on your existing coverage, medical needs, and financial goals. Assess gaps in your current policy, consider potential out-of-pocket expenses, and choose a plan that complements your primary insurance for comprehensive protection.