Complete your profile
Find affordable plans with up to 25% Discount**
Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4

    Get best pricing This will help us calculate the premium & discounts for your family

    Previous step

    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Get to plans directly next time you visit us
      Previous step

      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      ^Source - Google Review Rating
      6.7 Cr
      Registered consumers
      Insurance partners
      3.4 Cr
      Policies sold
      Policybazaar is one of India's leading digital insurance marketplace
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Health Insurance Add-on Covers

      Health Insurance add-on covers are extra coverage benefits that policyholders can buy in addition to their base health insurance policy. They expand the policyholder’s overall medical insurance coverage, eliminating the need for another health insurance plan. Add-on covers can be purchased alongside a base health insurance policy but not independently.

      Read More

      Best Health Insurance Add-on Covers in India

      Take a look at some of the best add-on covers in health insurance available in India:

      1. Consumables Cover

        The consumables cover pays for various non-medical expenses incurred by policyholders during hospitalization that are otherwise excluded from the policy coverage. For example, the cost of oxygen masks, gloves, syringes, needles, PPE kits, cotton, bandage, gown, etc. is not covered under basic health insurance plans.

      2. No Claim Bonus Safeguard

        The No Claim Bonus Safeguard protects the no claim bonus (NCB) from any claims raised during the policy year. As a result, the NCB percentage remains untouched even if the policyholder raises a claim.

      3. Inflation Shield

        The inflation shield safeguards the policyholder from rising inflation. This add-on cover increases the base sum insured of the policy every year on a cumulative basis based on the inflation rate.

      4. Home Care Treatment

        The home care treatment pays for the cost of treatments availed at home on the doctor’s advice in case hospital admission is not possible.

      Benefits of Buying Add-on Covers in Health Insurance

      Check out some of the benefits of buying add-on covers in health insurance in India:

      1. Broader Coverage

        Add-on covers amend the terms and conditions of the base health insurance policy to include the coverage desired by the policyholder. Thus, add-on covers enhance the coverage of the base health insurance to cater to the medical needs of the insured.

      2. Affordable Premiums

        Buying an add-on cover with the base health insurance policy is more affordable than purchasing another health plan. This is because the IRDAI has directed all insurance companies not to charge more than 30% of the base policy premium as the cost of an add-on cover. For example, if your base policy premium is Rs 9000 per annum, the rider cost cannot be more than Rs 2700.

      3. No Need for Another Policy

        Buying an add-on cover enables policyholders to add the desired medical coverage to their base health policy. Thus, it saves them from the hassle of purchasing another policy to obtain coverage and, eventually, pay more money.

      4. Customized Coverage

        Policyholders can alter the coverage of a health insurance policy by choosing an add-on cover of their choice. Thus, an add-on mediclaim policy customizes the base health policy’s coverage as per the policyholder’s needs.

      Things to Consider While Buying Health Insurance Add-on Covers

      Here are some things to consider while buying add-on covers under health insurance:

      • Terms and Conditions – Make sure to read your policy documents carefully to understand the various terms and conditions of the add-on mediclaim policy. This will prevent your claims from getting rejected.
      • Premium – Before buying an add-on cover, make sure to check the additional amount that you need to pay along with your base health insurance premium. This will prevent you from exceeding your budget and purchasing an add-on you can afford.
      • Waiting Periods – Just like your base health insurance policy, add-on covers also come with waiting periods. Make sure to check the waiting periods applicable to your add-on cover before making the premium payment.


      Policybazaar exclusive benefits
      • 30 minutes claim support##(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests~
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      • Recent Article
      • Popular Articles
      05 Dec 2023

      Everything about the Activ One Plan by Aditya Birla Health...

      In a time when increasing healthcare costs can create a

      Read more
      01 Dec 2023

      10 Reasons Why Your Health Insurance Claim Can Get Rejected

      Health insurance plans add a layer of invisible protection against

      Read more
      30 Nov 2023

      Knee Replacement Surgery Cost in India

      Knee pain has become a very common ailment in India, with over 15

      Read more
      30 Nov 2023

      Kidney Transplant Cost in India

      Kidney disease has been growing at an alarming rate in India. As

      Read more
      24 Nov 2023

      How Can NRIs Save Taxes on Health Insurance in India?

      Health insurance is an essential buy for people in India as well

      Read more
      01 Jun 2020

      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more
      09 Oct 2013

      Best Health Insurance Plans for Senior Citizens in 2023

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more
      01 Jun 2020

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more
      26 Aug 2021

      Does Health Insurance Provide Coverage for LASIK Eye...

      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is

      Read more
      15 Mar 2021

      Pre-Existing Disease (PED) Cover from Day One

      Pre-existing diseases (PED) are mostly expensive to treat as they are chronic in nature. Unfortunately, most health

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

      ##On ground claim assistance is available in 114 cities

      ~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      ^Source - Google Review Rating available on:-

      Download the Policybazaar app
      to manage all your insurance needs.