In the not-too-distant past, health insurance seekers had very few options to choose from. Most products were of the standard variety, with nominal differences in premiums and features. Of late, however, there has been a perceptible change in the kind of features offered, many of which score high on the customerfriendly chart. The list includes replenishment of cover, lifelong renewal, two-three policy terms instead of one-year, and so on.

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