Add-ons in Health Insurance You Need to Know About

Add-ons in health insurance could enhance your coverage and provide extra support when you need it most. In this video, we’ll explore various add-ons that might boost your policy’s benefits during different medical situations.

From critical illness and personal accident covers to maternity and new-born options, each add-on could offer additional protection during life’s unexpected moments. Top-up and super top-up plans come in handy when your base policy’s limit is exhausted. They could extend your coverage when needed.

We’ll also explain how the room rent waiver offers more comfort during hospitalisation. On the other hand, OPD cover helps with everyday medical expenses that don’t require overnight stays.

Learn, how a no claim bonus protector preserves your bonus, even after a claim. Meanwhile, the restoration benefit restores your coverage after it’s completely used. We’ll also touch upon ambulance cover, global cover, alternative treatment cover, and more.

This video breaks down each of these add-ons. This could help you understand how they might fit into your health insurance plan. Let’s explore how you could make the most of these options!

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Key Takeaways

Add-ons in health insurance could improve your coverage and offer support during medical emergencies

Critical Illness Cover provides extra protection for serious illnesses such as cancer, heart disease, and others

Personal Accident Cover helps with expenses related to injuries and disabilities from accidents

Maternity and New-born Cover assist with costs for childbirth and infant care

Top-up and Super Top-up Plans extend your coverage once your base policy limit is reached

The room rent waiver enables you to choose more comfortable hospital accommodations without room rent limits

OPD Cover includes outpatient expenses that don’t require an overnight hospital stay

A No Claim Bonus Protector helps you keep your bonus even if you file a claim

The Restoration Benefit replenishes your coverage after it has been utilised

Ambulance Cover helps with the costs associated with various ambulance services

Global Cover provides access to medical treatments outside the country

Alternative Treatment Cover includes benefits for treatments under AYUSH, such as Ayurveda, Homeopathy, etc.

Frequently Asked Questions
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Add-ons in health insurance are additional coverage options that could enhance your existing policy. They could offer extra benefits for specific situations, helping you address unforeseen medical expenses or needs. This might make your overall insurance plan more robust and tailored to your requirements.
Top-up plans increase your coverage after your base policy’s limit is exhausted. On the other hand, super top-up plans allow multiple claims in a policy year. Both options provide additional financial support during various medical situations. This could give you more flexibility in terms of coverage.
The room rent waiver allows you to choose a private room or suite during hospitalisation without being limited by room rent caps. This means you could have a more comfortable recovery environment, tailored to your preferences and needs.
The no claim bonus protector ensures that you don’t lose your bonus even if you make a claim during the policy year. It might allow you to maintain your No Claim Bonus, which reflects your claim-free history. This feature could help you secure lower premiums on your future policy renewals, even after making a claim.
The restoration benefit can restore your sum insured within the same policy year after you've used it up. This feature might be especially helpful if you face serious illnesses or multiple hospitalisations. This could provide you with renewed coverage in times of need.
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