Popular Add-ons in Health Insurance Policy

Though you have bought a standard health insurance plan which is covering your health related expenses, there are certain requirements that a standard health insurance plan does not cover. Then you need a health insurance add-on cover that is designed to meet the various medical expenses as per your requirement. Health insurance add-ons or riders can be taken over and above your existing health insurance policy to enhance its benefits. According to the Insurance Regulatory and Development Authority of India (IRDAI), the collective premium for all riders or add-ons availed under a single health insurance policy cannot exceed 30% of the original premium amount.

Below mentioned is the list of most common add-on covers in health insurance:


Critical Illness Cover

Under this add-on cover, the health insurance company provides the policyholder with a lump-sum amount in case of diagnosis of any covered critical illness like cancer, stroke, kidney failure or any other, irrespective of the cumulative treatment cost.

Personal Accident Cover

This add-on provides compensation in permanent total
disablement, permanent partial disablement, temporary total disablement or death due to an accident.

Room Rent Waiver

Sometimes there’s a room rent capping imposed by the insurers. By using room rent waiver add-on, policyholders can choose to stay in a better hospital room by increasing that limit of the hospital room rent or ensuring that no-limit is imposed.

Hospital Cash Cover

Under this add-on cover, the insured is provided with a daily cash allowance for those hospitalisation days up to a specific period. However, the hospitalization time should exceed 24 hours to receive this allowance.

Maternity Cover

Under this add-on cover, the expenses related to pregnancy and childbirth are provided for.

Global Coverage

Treatments taken outside India are covered with this add-on. Cashless facilities may even be available if treatment is taken at a network hospital.

International Second Opinion

This add-on cover benefit provides coverage for expenses incurred on consultation from international medical experts.

Air Ambulance

The add-on cover of an air ambulance provides for the facility of air ambulance when the patient needs to be transferred to another city for treatment.

OPD Care

The add-on cover of OPD care provides cover for expenses related to OPD consultations, diagnostics and medications. Remember, the policyholder has to apply for a reimbursement claim on availing this add-on benefit.

Zone Upgrade

With this add-on the insured can avail treatment in a higher zone (Tier I city) if he had chosen a lower zone package in the original policy.

AYUSH Treatment

Under this add-on cover, the insured is provided coverage for expenses incurred on alternative treatment methods (Ayurveda, Yoga, Unani, Siddha, and Homeopathy).

Unlimited Sum Insured Recharge

Under this add-on cover, the entire sum insured is restored and available for future medical expenses. Take note that this automatic recharge feature is applicable once in a policy year.

Reduction in PED Waiting Period

This add-on cover is beneficial in reducing the waiting period for pre-existing diseases.

Benefits of Buying Add-on Covers in Health Insurance

On buying health insurance add-on covers, you will get:

  • Customization of your policy as per your specific medical requirements.
  • Saved from buying another standalone health insurance policy to get the additional benefits that your existing health insurance policy does not provide for.
  • Get more health insurance benefits and features covered at a lesser premium price, as compared to a new policy.
  • Tax benefits as per Income Tax Act, under section 80D.

Save Up to 20%* on Health Insurance Premium

Buy Now

*Standard Terms & Condition Apply. Premium discount is provided by insurer for a 3-year policy and 4 or above insured family members. CIBPL/Health/WebBanner/English/Dec-21/001

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