Health Insurance Add-Ons

Provides coverage for your pre-existing conditions. Conditions like diabetes, hypertension and such illnesses usually have a 3-year waiting period. You can reduce this waiting period to 2 years or even 1 year with this add-on. That means quick access to benefits and less waiting before claims are accepted.

Covers diagnostics, doctor consultations and pharmacy bills without the need for hospitalisation. It is ideal for people who need regular checkups for frequent medical attention. Plans like Health Global and Health Infinity do not cover OPD expenses. So, adding this cover helps in reducing your ongoing medical costs. Also, it prevents you from paying out of your own pocket again and again.

Maternity add-on covers expenses related to childbirth and pregnancy with coverage up to ₹2 lakhs. This includes pre- and postnatal care, delivery costs, and newborn baby care. It is available as an add-on under the Health Infinity Plan. Maternity coverage is also already included in the Super Top Up plan, so you can choose that too.

The maternity benefits generally come with a 3-year waiting period before claims are allowed. This add-on helps you reduce this waiting period to just 1 or 2 years, as per your plan. But note that you need to have a maternity cover add-on to get the benefit of this plan. It gives you access to maternity coverage earlier instead of waiting for longer periods.

If your base sum insured gets exhausted after a claim, this add-on restores it multiple times within the same policy year. It refills your sum insured so you can claim again for another injury/illness. For example, if you used your sum insured of ₹30 lakhs fully, this add-on helps in restoring ₹30 lakhs for a future claim again.

Provides you with twice the sum insured without doubling your premium during claims, under the eligible plans. You pay a small amount while purchasing it, and you get double coverage under the policy. You need to renew this add-on every year to continue getting the benefit. The add-on is best if you want high coverage at a reasonable extra cost.

Covers consumables fully within your sum insured, including syringes, masks, gloves, cotton, and other items that will be included in your hospitalisation bill. Even though each item may be low-cost, they can increase your out-of-pocket expenses. It covers all consumable expenses and lowers your out-of-pocket expenses. Also, consumables coverage is already included in the Health Global plan.

An in-built loyalty reward that is available under the Health Infinity plan. It increases your sum insured by up to 33.33% at each renewal with no extra cost. With time, loyalty bonus accumulates and boost your coverage up to 100% of your original sum insured. So, your boosted protection increases the longer you continue the plan. 

Offers a fixed daily allowance to cover your companion's expenses when you are hospitalised. It helps in paying for stay, food and the daily needs of the person staying with you during your hospitalisation. The add-on is available under Health Gain and reduces the financial burden of hospitalisation beyond the hospital bills. 

Offers coverage for ambulance expenses up to ₹3500 per hospitalisation. It assists you in reaching the nearest hospital without worrying about the transport costs. This add-on is already included in Health Infinity. In Health Global, it is available only if you select the India + Global option. This way, your urgent treatment is not delayed because of ambulance expenses.

To be used when you are in an emergency and need to be shifted urgently to another hospital by air. It lets you shift quickly to the nearest medical facility for urgent treatment without paying high transport costs. The add-on is included in Health Gain, Global and Infinity plans. You need to choose the India+ Global option in Health Global to get this add-on.

Offers coverage for the treatments prescribed by doctors and can be done at home, such as physiotherapy, IV drips, injections or home recovery support. It lowers your hospitalisation expenses and lets you recover comfortably at home. It is available under Health Gain and Health Infinity. Suitable for those patients who need continuous care but don’t need hospitalisation.

A cumulative bonus enhances your coverage for each no-claim year. Generally, this bonus resets after a claim. But with a guaranteed cumulative bonus add-on, you get to enjoy the accumulated bonus even if you make a claim. That means your coverage stays protected for the long term. This add-on keeps your accumulated bonus intact even if you make a claim.

Modern treatments such as stem cell therapy, robotic surgeries and other high-end medical procedures are expensive. You only get modern treatment coverage up to 50% of the sum insured under the base policy. However, you get 100% coverage for advanced treatments with this add-on. It helps in covering expensive treatments fully, easing the financial burden and avoiding high out-of-pocket spending. 

This add-on allows you to choose a hospital room of your choice without any extra charges. It removes/increases the room rent limit in your plan, so you don’t have to pay extra from your pocket for choosing a better hospital room. That means more comfort during your treatment and fewer sudden expenses in the final bill.

Many senior citizen policies require a co-payment, which means you need to pay a percentage of each claim from your pocket. This add-on removes the co-payment if you are 61 years or above. So you get full coverage without paying that extra share. This lowers the financial burden for older insured members and offers better overall protection.

This add-on lowers your premium by letting you pay a fixed amount of medical bills yourself every year. Once your yearly medical bills cross that fixed amount, the insurer covers the rest as per the terms of the policy. It is available under Health Gain and Health Infinity plans. Best suited for those who are okay with paying small expenses on their own.