Choosing the right health insurance is only the
beginning—adding smart riders or add-ons can give your policy an extra edge.
Here’s what every policyholder should know about the most valuable add-ons
available today:
1. Critical Illness Cover
This is one of the most sought-after health insurance add-ons. If you are
diagnosed with a serious illness such as cancer, heart attack, stroke, kidney
failure, or need major surgery, a critical illness cover offers a lump-sum
payout. This support helps you handle the steep costs of treatment and
recovery, and cushions your finances if you’re unable to work during your
illness.
2. Hospital Cash Benefit
Hospitalization can bring unexpected daily expenses, from meals to caregiver
support to transport. With the hospital cash add-on, you receive a fixed daily
allowance for every day of hospitalization, regardless of the medical bill
amount. This benefit is especially useful for self-employed individuals or
daily wage earners who rely on regular income.
3. Room Rent Cover
Most basic health policies set a daily room rent limit, restricting your choice
of hospital rooms. The room rent cover add-on removes these limits, letting you
choose better facilities—be it a private or deluxe room—without worrying about
claim rejection or additional costs. Enjoy comfort and peace of mind during
your hospital stay.
4. No-Claim Bonus (NCB) Protection
A no-claim bonus gives you a reward—usually a premium discount or increased sum
insured—for every claim-free year. With NCB Protection, your bonus stays intact
even if you make a claim during the policy year. This add-on helps keep your
premium low and ensures you’re rewarded for overall good health.
5. Personal Accident Cover
Life is unpredictable. The personal accident cover is designed to provide
financial security if an accident results in death or permanent disability.
This add-on pays a lump sum to support your family and cover expenses during
tough times, making it ideal for those with active lifestyles or frequent travellers.
6. Consumable Cover
Hospitalization costs often go beyond doctor fees and medicines—items like
masks, gloves, syringes, PPE kits, and other consumables can add up. Consumable
cover takes care of these out-of-pocket expenses, providing truly comprehensive
protection that extends to every part of your hospital bill.
7. Inflation Shield
Medical expenses are constantly rising. An inflation shield automatically
increases your base sum insured every year, helping your coverage keep pace
with medical inflation. This means you won’t be caught off guard by higher
treatment costs in the future.
8. Home Care Treatment
Sometimes, treatment needs to happen at home instead of the hospital. The home
care treatment add-on covers medical expenses for home-based care, as
prescribed by your doctor. It’s a convenient and cost-effective way to ensure
your health needs are met without sacrificing insurance benefits.
Choose Wisely for Complete Protection
The right add-ons can make your health insurance truly comprehensive. Assess
your lifestyle, income stability, and healthcare priorities to select the
riders that best fit your needs. By customizing your policy with these add-ons,
you can ensure financial stability and receive the best possible care whenever
you need it.
