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What is a Health Insurance Add-On?
A health insurance add-on is an optional cover that you can add to your health insurance policy for an extra cost to increase your total medical coverage.
When you buy an individual or family floater health insurance policy, the coverage is designed to meet essential healthcare needs. However, if you have specific health concerns that need to be covered under your health insurance plan, you can include it as an add-on.
For example, if you have a family history of cancer, regular health plans don’t offer enough coverage to cover cancer-specific treatments. However, a critical illness add-on does. By pairing this add-on with your regular policy, you now ensure medical coverage in the event of a diagnosis. Health insurance add-ons offer extra coverage in addition to the coverage your health insurance plan offers. They’re also completely optional and can be added to your plan for an extra fee.
Many insurers offer health insurance add-ons since everyone has different healthcare requirements. They help you customise your medical insurance coverage to suit your specific requirements, eliminating the need for a separate plan.
How Does it Help?
Health insurance add-ons are offered at an additional premium. However, the price is comparatively lower than buying a standalone policy just to cover a specific healthcare need.
You can include multiple health insurance add-ons to your health insurance policy. However, according to IRDAI regulations, the total premium should not exceed 30% of your base premium.
What is the Need for Health Insurance Add-Ons?
Additional Protection for Timely and Quality Healthcare Services
Health insurance add-ons offer additional protection customised to meet your specific requirements. With adequate coverage, you can access timely and quality healthcare services without worrying about treatment expenses.
Manage Finances
When you buy health insurance add-on covers, you get lump sum benefits upon a claim. Therefore, apart from paying the medical bills, you can utilise them for various other financial requirements, such as, managing your family’s routine financial needs, paying your child’s education, etc.
Comprehensive Coverage
By purchasing a health insurance add-on cover, you can ensure comprehensive coverage beyond your standard health insurance policy.
IndusInd Health Insurance Add-Ons
IndusInd Health Insurance Add-Ons | Brief Description |
|---|---|
Critical Illness Add-On Cover | Offers a lump sum benefit when diagnosed with a critical illness, such as cancer, kidney failure, etc. |
Maternity Cover | Covers medical expenses related to pregnancy and childbirth, including delivery costs, pre-and post-natal care and newborn baby care. |
Hospital Daily Cash | Provides a fixed daily cash benefit when you are hospitalised. It can be used for food and transportation expenses. |
Reinstatement of Sum Insured | Allows you to restore your sum insured unlimited times if it gets exhausted in a year. |
Reduction or Change in Waiting Period | Helps in reducing or changing the waiting period for specific health conditions, such as pre-existing diseases. |
Waiver of Co-Payment | Removes the need for co-payment. We pay all eligible medical expenses. |
Voluntary Co-Payment | Provides a discount on the premium if you opt for a voluntary deductible |
OPD Cover | Covers expenses for outpatient services, such as consultation fees, diagnostic tests, etc. |
Consumables Cover | Covers the cost of medical consumables, such as syringes, gloves, and other disposable items. |
Reduction in Room Rent Limit | Lowers the room rent limit and allows you to opt for a higher category of room. |
Global Emergency Hospitalisation Cover | Covers unexpected medical expenses while travelling abroad. |
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IndusInd Health Insurance Plans and Their Add-Ons
IndusInd Health Infinity Insurance Policy
Voluntary Co-Payment
Limitless Cover
- Consumables Cover
- Unlimited Restore Benefit
Smart Protector
- Super Charger for additional sum insured
- Air Ambulance
Mother and Child Care
- Maternity Cover
- Newborn Baby and Vaccination Cover
OPD Cover
Medical Equipment Cover
- Durable Medical Equipment
- Small Medical Equipment
Double Cover
Home Care Treatment
Change in Pre-Existing Diseases
Reduction in Specific Illness Waiting Period
Reduction in Room Rent
Discount for Removal of More Options Benefits
Voluntary Aggregate Deductible
IndusInd Health Gain Insurance Policy
Enhanced Covers
- Guaranteed Cumulative Bonus
- Unlimited Reinstatement of Base Sum Insured
- Consumable Cover
Double Cover
Change in Room Rent Limits
Reduction in Pre-Existing Waiting Period
Voluntary Aggregate Deductible
Removal of Co-Payment
Hospital Cash
Hospital Cash
- Change in Pre-Post Hospitalisation Limit
- Air Ambulance
- Radio Taxi
- Convalescence Cover
Preventive Care Covers
- Health Checkup
- Vaccination Cover
Smart Cover
- Change in Modern Treatment Limits
- Vision Correction
- Second Opinion
Family Care Cover
- Home Care Treatment
- Companion Cover
- Child Care Cover
IndusInd Health Global Policy
Waiver of Co-Payment
Voluntary Co-Payment
Change in Pre-Existing Waiting Period
Benefits of Buying Health Insurance Add-Ons
Provides Broader Coverage
Buying add-on covers in health insurance helps you expand your coverage for more comprehensive protection. It ensures you are safeguarded against a wider range of potential healthcare risks and expenses.
Affordable Option
Health insurance add-ons can be purchased at an affordable premium. You can easily afford to purchase multiple add-ons in a single health insurance policy.
Avoids the Need for a Separate Policy
Buying health insurance add-on covers is a cost-effective solution compared to purchasing a separate health insurance policy for specific healthcare needs.
Personalised Coverage
You can decide on the type and number of add-ons required. It helps you personalise the health insurance policy based on your specific individual circumstances.
Discounts
Opting for certain health insurance add-ons can provide discounts on your premium. It can help you save your money on health insurance investments.
Restore Sum Insured during the Policy Period
Health insurance add-ons allow you to restore the sum insured in case it gets exhausted during the policy period. It can be restored unlimited times, helping you manage unexpected medical emergencies.
Tax Advantage
The premium paid for a health insurance policy, including add-ons, is eligible for a tax deduction benefit. It is applicable under Section 80D of the Income Tax Act, 1961 (up to ₹1 lakh) and can be availed separately for yourself (including your family) and your parents.
Simple and Quick Online Purchase
You can include add-ons in your policy online either at the time of purchase or during health insurance renewal. It is a simple, user-friendly and less time-consuming process.
IndusInd General Insurance
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Get health insurance starting at ₹243/month*!
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Claim Settlement: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122
Health Super Top-Up UIN: The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.
Heath Global UIN: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324
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