Add-ons in Health Insurance

Add-on covers are also called riders in health insurance. They are benefits that enhance the overall insurance coverage and offer additional protection to the policyholder at an additional cost.

Many individuals prefer buying add-on health insurance to increase the scope of the existing insurance policy rather than buying a new one. If you want to avail yourself of added benefits from your policy, you may include the add-ons of your choice and requirements.

Insurers offer various types of add-on covers at affordable rates so you can enhance the scope of your medical insurance. You can choose one or more add-on covers in health insurance.

Critical Illness Cover

Under the critical illness add-on, the policyholder can get a lump sum payment if he is diagnosed with any critical illness. Some of the critical illnesses include cancer, kidney failure, stroke, heart attack, etc. The critical illness add-on cover offers a lump sum payment irrespective of the treatment expenses.

Maternity Cover

The maternity cover add-on offers compensation for the expenses related to pregnancy and childbirth. It includes hospitalisation expenses, childbirth, pre and post natal expenses, ambulance expenditure, etc.

Accident Cover

With the accident cover add-on, you get compensation in case of accidental death, or partial or total disability in an accident. You can purchase this cover as an add-on or as a standalone policy.

Daycare Procedures

Some illnesses may not require admission to a hospital. Procedures such as cataract surgery, dialysis, health check ups, etc., are completed in a few hours. The daycare procedure add-on cover offers compensation for all such expenses.

Vaccination Cover

Immunisation costs can be very high in the case of some diseases. By adding vaccination cover to your existing medical insurance, you can get vaccination expenses from us. It allows you and your family to be protected against various diseases such as COVID-19, hepatitis, etc., without draining your bank account.

Cover for Consumable Expenses

Consumable items include one-time use things such as injections, cotton gauze, mask, gloves, etc. The cost of these items are not covered under a medical insurance plan. In case anyone needs hospitalisation for a long time, the cost of these items can be very high. Therefore, insurers provide a consumable expenses add-on, which takes care of such expenses on your behalf.

Daily Cash Allowance Cover

The daily cash allowance takes care of the day-to-day expenses during the hospitalisation period. It includes travelling expenses, food, etc. The policyholder gets a fixed amount daily to incur these expenses.

OPD Cover in Health Insurance

With this add-on, you can get payment for OPD expenses such as checkups, diagnostics, medicine purchases, doctor consultations, etc., without being hospitalised.

Air Ambulance Cover

With this add-on cover, the insured receives expenses related to air ambulance services if he has to be transported via an aeroplane or a helicopter. The compensation under this add-on is as per the limit mentioned in the policy.

If you are looking for a medical insurance plan with coverage for specific health concerns, including the relevant Tata AIG health insurance add-ons is the best thing to do. You can include various add-ons to cover your dental, vision, critical illness and other health concerns adequately.

However, it is essential to know that these add-ons come at an added price. Tata AIG offers health insurance add-ons at affordable rates so you can protect your health in the best possible manner.

With our pre-existing disease health insurance you can cope with medical expenses without straining your budget. It starts at ₹15 per day and does not require any pre-policy medical check up. Some of the diseases covered under our pre existing disease insurance include, diabetes, asthma, arthritis, thyroid, high blood pressure, etc.

Many insurance plans come with a waiting period for pre-existing diseases, which is not the case at Tata AIG. Therefore, you can start getting the benefits from day one of your policy.