New Delhi, June 12 -- Many assume that the heaviest financial blow during a medical crisis is the initial hospital bill. However, an increasing number of families are discovering that the true economic pressure frequently intensifies only after a patient is discharged.

Whether it is an ageing parent requiring months of specialised nursing post-surgery, a stroke survivor needing extensive physical rehabilitation, or a patient recovering from severe respiratory illness relying on supplemental oxygen, long-term care takes a toll. While modern health insurance products have evolved significantly over the past decade, policyholders are often blindsided by the rigid time constraints placed on home healthcare and post-hospitalisation benefits....