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Essential add-on for health insurance
Mar 5, 2023

Enhance Your Health Protection: Essential Add-Ons for Health Insurance

With the growing cost of healthcare services, getting basic treatment in a private hospital can be expensive for many. If you belong to a middle-class family, you might reconsider spending an exorbitant amount of money on just a consultation visit. If you consider the alternative to be a visit to an inexperienced doctor, you could create more problems for yourself. Having health insurance helps cover the cost of consultation fees*. However, there are various benefits you can enjoy with the policy when you include add-ons. Here is more information about the different add-on covers you can consider adding to your policy.

Add-ons for Health Insurance

 The following are the add-on covers you can include to enhance health insurance coverage in India:
  1. Maternity Cover

Maternity is one of the most crucial stages of a woman's life, and it comes with its fair share of medical expenses. Maternity cover offers coverage for pre and postnatal medical expenses, including childbirth, hospitalization, and ambulance charges. Maternity cover can be purchased as an add-on cover to your existing health insurance policy. This cover is available for both individual and family floater policies*.
  1. Critical Illness Cover

A critical illness can have a severe impact on your finances, and it can lead to a significant financial burden. A critical illness cover offers coverage for critical illnesses such as cancer, heart attack, kidney failure, stroke, and other such events. This cover provides a lump sum amount to the policyholder in case of the diagnosis of a critical illness. The lump sum amount can be used to cover medical expenses and other expenses related to the illness. The critical illness cover can be purchased as an add-on cover or as a standalone policy*.
  1. Personal Accident Cover

Accidents can happen anytime, and they can cause physical disabilities or even death. Personal accident cover offers coverage for accidental injuries or death. This cover provides a lump sum amount to the policyholder in case of accidental death or total or partial disability due to an accident. Personal accident cover can be purchased as an add-on cover or as a standalone policy*.
  1. Daily Cash Allowance

Hospitalization can be stressful, and it can have an impact on your finances. Daily cash allowance offers coverage for daily expenses incurred during hospitalization, including food, transportation, and other expenses. This cover provides a fixed daily cash amount to the policyholder for each day of hospitalization. Daily cash allowance can be purchased as an add-on cover to your existing health plan*.
  1. Home Healthcare Cover

Home healthcare cover offers coverage for medical treatment at home. This cover provides coverage for expenses incurred during home healthcare, including doctor visits, diagnostic tests, and nursing charges. Home healthcare cover can be purchased as an add-on cover to your existing health plan*.
  1. Ayurvedic/Homoeopathic Cover

Ayurveda and Homoeopathy are popular alternative medical treatments in India. Ayurvedic/Homoeopathic cover offers coverage for medical expenses incurred during Ayurvedic/Homoeopathic treatment. This cover provides coverage for consultation fees, diagnostic tests, and treatment charges. Ayurvedic/Homoeopathic cover can be purchased as an add-on cover to your existing health plan*.
  1. Restoration of the Sum Insured

Restoration of the sum insured offers coverage for additional medical expenses once the sum insured is exhausted. This cover restores the sum insured amount to the policyholder in case of hospitalization after the sum insured has been exhausted. Restoration of the sum insured can be purchased as an add-on cover to your existing health plan*.
  1. OPD Cover

Consultation or follow-up visits to the doctor cost a lot, especially if it is a senior doctor. The OPD cover reimburses for any consultation or follow-up visits to the OPD. The reimbursement is done if the policyholder files a claim. The OPD cover can be purchased as an add-on cover to your existing health plan*.
  1. Health Prime Rider

As a policyholder, if you wish to consult your doctor through a telephone call or video call, the health prime rider covers the consultation fees. If you wish to visit a doctor in person at any of the network hospitals your insurance company has, those charges are covered by the policy. Tests such as pathology, radiology or annual health check-ups, are also covered by this rider. Health prime rider cover can be purchased as an add-on cover to your existing health plan*.
  1. Room Rent Waiver

If you wish to recuperate in a private room, but your policy room rent has a limit, you can waive that limit with the room rent waiver add-on. With this add-on, you can either increase the existing room rent limit of your policy, or you can have it completely waived off so that no limit is applied. Room rent waiver can be purchased as an add-on cover to your existing health plan*.

Conclusion

When looking to purchase one of the health insurance plans for family, you can enhance the coverage by including some of the add-ons mentioned above. It is your responsibility to include only those add-ons that are required.   *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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