Also known as recovery or recuperating benefits. Under this head, the insurer takes care of the recovery expenses of the insured. This benefit covers the supplementary costs which may arise because of hospitalization like loss of income. In case of prolonged hospitalization of the policyholder, the insurers pay a lump sum amount for the duration ranging from 7 to 10 days. Moreover, in some policies, the related costs including the compassionate visits made by family members are also covered.