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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.
Take a look at some of the best add-on covers in health insurance available in India:
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.
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.
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.
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.
Check out some of the benefits of buying add-on covers in health insurance in India:
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.
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.
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.
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.
Here are some things to consider while buying add-on covers under health insurance:
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*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.
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