Add-on Covers With Your Health Insurance Plan!

You buy a laptop with a memory of 500GB and after a few days you find the same model has been launched with a memory of 1TB! Or you bought a car with XYZ music system and after a few days the same model was re-launched with a better music system! What are you going to do? Sell the laptop/car and buy a new one? Or just buy an external hard drive for laptop and a new music system separately for your car? You’ll go with the latter options, right? Simply because it is economical to buy these accessories separately compared to buying a new laptop or a car!

This is how the add-ons work in a health insurance policy. Instead of purchasing a new costly policy, you can simply buy certain add-ons or riders to enhance your health coverage. You can select the add-ons as per your individual requirements and at a lesser price than buying an entirely new policy.

Here are some the most common add-ons available for you:

1. Maternity Cover

This cover is needed in case you’re planning to start a family. However, the waiting period for such policies could be two years or more depending on the plan and insurer. It covers delivery expenses, post-natal care and in some cases also provides coverage to babies up to a certain period.

2. Critical Illness Cover

Critical illnesses include life-threatening diseases like cancer, complicated heart ailments, brain tumour, kidney failure and the likes. This cover ensures that the insurer pays the insured the entire sum assured as a lump sum payment at the time of diagnosis of the disease instead of waiting for the treatment to begin. It helps the insured to plan their finances accordingly.

3. Room Rent Waiver

Most insurance policies put a limit on the room rent that you can avail of at the time of hospitalisation. Any amount over that limit is to be borne by the insured. With this waiver, you can either have a higher limit to room rent or can totally waive the room rent limit. This comes handy, especially when you plan to get treatment in a big city hospital where the cost of medical treatment is quite expensive.

4. Hospital Cash

This cover will help you with the liquidity during your hospital stay to cover the day to day expenses. It varies between Rs. 1000 to Rs. 3000 and is applicable only if you’re hospitalised for at least 24 hours. Insurers offer this facility for a period of 7-10 days of hospitalisation.

5. Personal Accident Cover

In case you meet with an accident, this cover will come to your aid by offering monetary compensation. This would work in case of accidental death, permanent total disability (loss of both the limbs, eyes, speech and hearing), permanent partial disability (loss of one limb, one eye and one ear) and temporary total disability (fractures in limbs and temporary loss of eyesight).

6. Top-up/Super Top-up Cover

This cover helps to enhance the sum assured over and above the basic limits. This way, if you get hospitalised multiple times in a year and your total expense goes beyond the basic sum assured, the cover will help you to pay medical bills. A top-up cover will cover only one additional medical expense in a year, but the super-top up will cover all events of hospitalisation in a policy year subject to a maximum limit of sum assured under this cover.

Depending on your needs and budget, you can select a cover that works out the best for you. Do remember to read the terms and conditions in detail before making the final decision. It definitely makes more sense to have an add-on rather than going for a new policy!

Harjot Singh Narula

Harjot Narula is founder and CEO of, an IRDAI approved insurance web aggregator focussed on selling online insurance for companies. Harjot has more than a decade of experience in software development and has also spent 5 years in US working for the mortgage and risk management industry.

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