Health Insurance Riders

The room rent under a basic health insurance plan is mostly capped up to a certain amount. If one wants to stay in a room that costs more, he/she needs to pay the difference from their pocket. However, with the help of Room rent waiver add-on, one can either get a higher sub-limit or no sub-limit at all. This helps your insurance company to pay the room’s rent irrespective of the room type you choose.

Through this add-on, you can get a daily cash benefit when you are admitted for at least 24 hours. Usually, the amount paid ranges from 500-3000 rupees. For critically ill patients admitted in the ICU, the amount of daily cash can be more. One can use the amount to take care of things like buying medicines or managing other medical expenses during the stay in the hospital.

This rider is slightly like a life insurance cover that pays a lump sum amount. Here the amount is paid if the policyholder is diagnosed with a critical illness. This type of illness can include cancer, massive heart stroke, brain tumor or multiple sclerosis. People with a family history of such illnesses should opt for a Critical Illness Rider. While buying this rider, the number of diseases covered can be from 15 to 40 depending upon the insurer and the cost of the policy.

This add-on is designed to safeguard your coverage against the impact of rising healthcare costs. Upon renewal, your sum insured increases by 10%. It means as medical expenses inflate over time, your coverage expands accordingly, ensuring that you maintain adequate protection without any extra hassle. It's a simple yet effective way to keep pace with the changing healthcare landscape and ensure your peace of mind.

This is a valuable add-on that offers you added security and peace of mind. If your sum insured gets exhausted within one policy year due to multiple claims, this feature automatically replenishes your coverage. It's like having a safety net for your health expenses, ensuring that you're never left unprotected when you need it most.

This is a convenient solution for accessing medical expertise whenever you need it. With this feature, you can easily connect with a qualified doctor via teleconsultation to receive instant medical opinions and guidance. Whether you have questions about a health issue, need advice on medication, or require reassurance about symptoms, our teleconsultation service puts you in touch with a healthcare professional without the hassle of scheduling appointments or waiting in line.

These plans are designed to provide additional financial support in case of medical emergencies. As the name suggests, top-up and super-top-up plans come into force when the limit of the base plan gets exhausted. People who feel that their basic health insurance coverage is not sufficient should buy top-up plans.