OTC drugs can be defined as the over the counter medicines that are safe, effective and can be taken by the person without the prescription of the doctors.
They are safe and can be used without having any ill effects. There is no increase in the cost for the insured person where the medicine is OTC or not.
There no increase in the cost of the insurance policy until ad unless the cost of the medications is exceeding the cost of policy.
No matter the drug is OTC or something else there is no change in the cost of the insurance policy.
