Why you need to have hospital cash cover in your portfolio?

[IndiaInsurance]

A basic health insurance plan will reimburse (within your cover limits) all your treatment related expenses if you are hospitalized. However there may be no provision to cover incidental expenses or the loss of income due to your inability to pursue your employment. This is where stand-alone hospital cash policies step in.

More... (http://www.moneycontrol.com/news/health-insurance/why-you-need-to-have-hospital-cash-coveryour-portfolio_8644361.html)