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      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.

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      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.

      FAQs

      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.

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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 the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *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.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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