Health Insurance Add-Ons - Adds Strength To Your Health Insurance

Guide to boost your existing health insurance policy coverage with add-on for complete security of you and your family.

Read More
Health Insurance Add-on Covers.png

In the simplest words, an insurance add-on refers to an additional benefit that you pay for, over and above the basic premium, as this benefit is not covered by default in your insurance policy. Health insurance add-ons can go a long way in bolstering your all-around health insurance coverage by including extra protection as part of your plan. Of course, every add-on adds to the premium payable by you.

The leading health insurance providers in India generally include and offer many add-ons for base insurance policies. Bear in mind that when you buy a health insurance add-on, not only are you ensuring availability of better financial resources in an adverse event but also considerable peace of mind, in the light of the knowledge that you and your family are protected against a wide spectrum of adverse health conditions.

1. Maternity and newborn baby insurance add-on cover

While motherhood can be one of the happiest periods of your life, there is no denying that it can also be the most financially straining period of your life if you are not prepared to deal with it. Giving birth to a child entails hospitalization and surgery expenses, which by themselves can be extremely high. Depending on which maternity hospital you are admitted to during your delivery, it could cost you as much as Rs. 2 lakhs! Moreover, the following months also involve consistent spending on the child's medical care along with the various vaccinations. Adding maternity and newborn baby insurance add-on cover can be extremely helpful in situations like this. The additional insurance cover generally extends to 2 instances of childbirth and childcare expenses for the following 3 months and vaccinations until the child completes 1 year of age.

2. Hospital daily expenses add-on

One of the biggest stressors for hospital care and treatment for nearly any health issue is the high cost of daily expenses to be incurred. What this effectively does is drain your finances and affect the health of your financials. This can prove to be a huge issue when the patient is discharged from the hospital. Choosing the add-on which covers your daily hospital expenses can offer coverage of up to Rs. 10,000 daily for up to a total of 30 days spent in a hospital in a year. The pay-out generally covers the cost of tests and diagnostics reports or other medical expenses that are typyically not covered under health insurance policy. Therefore, the daily hospital expenses add-on can ensure stability during your treatment and after being discharged!

3. Emergency ambulance services

Regardless of what type of medical emergency, any expenses incurred by you toward making use of a road ambulance to arrive at the hospital of your choice will be covered under the emergency ambulance services health insurance add-on. Emergency ambulance expenses of up to Rs. 30, 000 or sometime more will be covered under this add-on, which essentially means that you can avail the best emergency care at a hospital of your choice.

4. OPD insurance cover add-on

General and regular consultations are extremely crucial in today's healthcare landscape since it allows regular monitoring of your health and early diagnosis of any health issue. Moreover, OPD services are generally accessed by most patients in India before getting admitted to a hospital. Therefore, OPD insurance cover add-on can play a crucial role in saving money for you in the long run by offering reimbursement of charges incurred for doctor consultation services, dental care, ophthalmic and optic care, any lab tests required to assess your health condition, costs of hearing aids and so on. Another service offered as a part of this add-on is the insurance cover for online consultations or teleconsultations from a certified doctor, given the present pandemic that is raging on all over the world. It can be extremely useful to save money on seemingly trivial things such as doctor consultations.

5. Critical illness add-ons

Depending on the insurance plan you choose and the amount of premium you pay, you can also add the option of securing insurance cover in the form of a pay-out toward the diagnosis of a critical or life-threatening illness. This insurance cover is provided in addition to the amount that is covered by your base insurance policy and can extend to up to Rs. 10 lakhs. This will allow you to deal with your financial health and physical health without having to tackle the shock and stress of both at the same time.

6. Global emergency hospitalization add-on insurance cover

The global emergency hospitalization add-on insurance cover ensures that you remain financially protected and secure all over the world in the event of a health emergency. Being an Indian national, accessing medical care abroad can leave a gaping hole in your pocket. With this add-on to your base insurance plan, you simply must focus on getting the best healthcare without getting stressed about the sky-rocketing expenses. This add-on is specifically recommended for individuals who frequently travel to different countries for business, family, or otherwise. Bear in mind that this add-on covers only one medical emergency in a policy year.

7. Second medical opinion

A second medical opinion is considered one of the safest ways to proceed with treating any disease, especially one that requires costly advanced treatment such as surgery. This is simply because two minds are better than one. Having another medical professional confirm a diagnosis can take some doubt off the patient's mind, which can then turn their focus on recovering efficiently. The second medical opinion add-on provided by insurance service providers essentially offers that second medical opinion through a partner specialist who will offer professional guidance regarding the alternatives that you can avail in terms of treatment options.

8. Medical inflation insurance cover add-on

Medical expenses are poised to grow at 12% per annum in the coming years due to severe inflation. An insurance amount worth 5 lakhs may be worth much less in the coming years. Therefore, opting for a medical inflation insurance cover add-on will confer the advantage of a proportionate increase in your insurance cover per year to keep in line with the market trends.

Health insurance cover add-ons can be lifesavers when necessary. Ultimately every individual desire to never avail of health insurance and leading a healthy life. However, a health insurance plan allows having peace of mind in knowing that in the event of some adverse incident regarding our health, we have financial security already that will allow us to deal with the cost of hospitalization and any consequent medical expenses thereof.

  • Is Arogya Sanjeevani policy cashless?

    An add-on concerning health insurance refers to additional insurance coverage for specified benefits offered separately over base insurance plan for an additional cost in terms of your premium. Most insurance providers offer add-on services for their health insurance policies; however, these may vary from provider to provider. Therefore, be sure to check with your insurance provider regarding the availability of any such insurance add-on covers.

  • Can I add members to health insurance?

    Generally speaking, most insurance providers offer policies that allow you to add your spouse to the policy as a beneficiary. An alternative is to simply opt for insurance plans for the entire family, allowing you to make everyone dependant on you in your immediate family, a beneficiary under the insurance policy. In the case of a newborn baby, the name can be included generally after 91 days of birth.

  • What is a base policy with the add-on?

    A base policy with an add-on is essentially an insurance plan that includes the general benefits of base insurance policies and additional benefits that can be paid for in addition to the base insurance premium. These benefits can include daily hospital cash insurance, insurance add-ons for critical illnesses, OPD insurance coverage, and so on.

  • What is a top up policy in health insurance?

    A top up policy in health insurance refers to an arrangement wherein the insurance company's liability is reduced by providing health insurance to policyholders only when they have achieved the given threshold limit. A top up policy is generally offer through separate health insurance policy that allows you to claim insurance coverage up to the deductible sum of money. Beyond that, expenses can be covered using top up plans.

  • How do I top-up health insurance?

    After discussing with your health insurance provider, top up plans for health insurance policies must be selected with careful thought given to the amount you wish to be insured for and the threshold limit you can afford to meet. Having selected a top up plan, you simply have to ensure you pay the premium as and when required.

  • What is the difference between top up and super top up in health insurance?

    The main difference is that in top up health insurance plans, additional insurance coverage is offered beyond the threshold limit of the base plan in a single claim. However, super top up plans offers insurance coverage for every expense above the threshold limit instead of a part of it.

Share This page

Navi General Insurance Limited
IRDAI Registration No: 155 | CIN: U66000KA2016PLC148551