Health Insurance Add-ons

Health insurance add-ons, also known as health insurance riders, are optional covers that offer protection for specific healthcare needs or situations beyond the coverage of your base health plan.

For example, if your health insurance policy does not have maternity coverage, you can opt for it as an add-on. These add-ons in medical insurance come at an additional cost and can be included in your health insurance policy at the time of purchase or during renewal.

TATA AIG offers different types of health insurance riders, such as OPD Care, Cancer Care, EmpowerHer (for women’s specific health concerns), Mental Wellbeing, and more.

By adding riders to your health insurance plan, you can customise and enhance your coverage based on your unique health needs. Also, based on the availability of add-ons under a policy, you can choose and add multiple add-ons.

For Financial Protection

Health insurance riders help cover specific medical expenses that may not be included in your base policy. This ensures you are financially protected in various scenarios and can manage costs without using your savings.

To Ensure Comprehensive Coverage

By selecting the necessary add-ons in a health insurance policy, you can ensure more comprehensive and complete coverage, giving you greater peace of mind for the future.

TATA AIG offers an extensive range of health insurance add-ons grouped under five main categories. Below, we highlight some of the key add-ons under each category.

These health insurance add-ons are available with TATA AIG health insurance policies, including TATA AIG MediCare Premier and TATA AIG MediCare Plus.

Flexi Shield

• Flexi Shield consists of over 40 types of health insurance riders that cover a wide range of medical expenses and healthcare services. Some of the key inclusions are as follows:

• Cumulative Bonus Shield: The cumulative bonus accrued base policy will not be reduced in the next policy year as long as the total claims made during the year do not exceed the limit specified in your policy schedule.

• Inflation Protect: Provides an additional increase in the sum insured at renewals based on the previous year’s inflation rate, irrespective of the claims filed in the preceding years.

• Supercharge Bonus Rider: Provides a bonus in the form of a specified percentage of the base sum insured at renewals up to the specified limit, irrespective of the claims during the previous policy years.

• Advanced Cover Rider: The pre-existing diseases waiting period will be reduced to 30 days for certain pre-existing health conditions. This includes Diabetes Mellitus (Type 2), Hypertension, Hyperlipidemia, and Asthma.

• Voluntary Co-payment: This add-on in a health insurance policy will provide a premium discount if you agree to pay a specified portion of the claim amount for every admissible claim.

• Restore Infinity Plus: Restores the base policy sum insured if it or the additional bonuses or coverage gets exhausted or is not enough to cover the hospitalisation expense during the policy period.

• Preventive Annual Health Checkup Rider: Arranges for annual medical tests on a cashless basis at our network/ empanelled service providers. This includes various medical tests undertaken for general assessment.

• Reduction in Pre-Existing Diseases Waiting Period: Reduces the waiting period applicable to pre-existing health conditions. For instance, it can be reduced from 3 years to 2 years.

• Reduction in Maternity Benefit Waiting Period: Reduces the waiting period applicable to maternity care benefits, such as from 2 years to 1 year.

• Accidental Death Benefit: In the event of an accident that results in the insured person’s death within 365 days from the date of the accident, the sum insured will be provided to the nominee.

• Waiver of Age-Linked Co-Payment: With this add-on in medical insurance, the age-linked co-payment that applies in the base policy will be removed and will not apply to any eligible claims under the base policy.

OPD Care

This add-on in medical insurance offers exclusive coverage for outpatient treatment and care. The key inclusions are as follows:

• Outpatient Treatment and Consultation: Covers the cost of in-person consultations and diagnostic tests.

• Outpatient Treatment: Dental: Covers dental treatments or procedures, including root canal treatment, tooth extractions, and all forms of dental X-ray.

• High End Diagnostics Rider: Covers expenses incurred towards high-end diagnostic tests, such as Brain Perfusion Imaging, Computed Tomography (CT) Guided Biopsy, and Liver Biopsy.

EmpowerHer

EmpowerHer is an add-on cover in health insurance designed specifically for women. The key inclusions are as follows:

• Woman Suraksha: Offers comprehensive coverage, including consultations, counselling services, treatments for PCOD/S, cancer screening, and cervical cancer vaccination.

• Maternity Protect: Covers certain infertility treatment procedures, sterilisation treatment, ante-natal and post-natal care, and more.

Cancer Care

The Cancer Care health insurance rider provides additional coverage if the insured is diagnosed with cancer of a specified severity. The key inclusions are as follows:

• Cancer Benefit: Provides the specified sum insured, which is a separate limit, over and above the base sum insured if the insured is diagnosed with a cancer of specified severity.

• CanCare Booster: Provides the specified sum insured if the insured is diagnosed with a cancer of specified severity. Further, the sum insured increases 10% every year as per policy conditions.

Mental Wellbeing

This health plan rider covers medical expenses incurred for mental health and well-being. The key inclusions are as follows:

• Mental Health Screening: Our empanelled service provider will arrange for mental health screening, including one evaluation with a psychiatrist and diagnostic tests, such as thyroid function test, serum electrolyte test, etc.

• Psychological Therapy: Our empanelled service provider will arrange for psychological therapy sessions for the management of psychiatric or psychological disorders.

Other Optional Covers

• Consumables Benefit: Covers expenses related to consumables, such as syringes, gloves, and other medically necessary items that may not be covered under standard health insurance plans.

• Maternity Care: Covers maternity expenses, delivery complications of a newborn baby and first year vaccinations of the newborn baby up to the specified limits.

• Room Category Select: The room eligibility under the base policy will be replaced with the room category specified in the rider policy schedule.

In addition to these add-on covers in health insurance, TATA AIG offers a few options that allow you to avail premium discounts, such as the following:

• Voluntary Co-Payment: Opting to pay a portion of the claim amount for every admissible claim.

• Increase in Pre-existing Diseases Waiting Period: Choosing a longer waiting period for pre-existing diseases.

• Increase in Specified Diseases/ Procedure Waiting Period: Choosing a longer waiting period for specified diseases or procedures.

Get Broader Coverage

Add-ons in medical insurance ensure that you are protected against a wide range of medical expenses. By extending the scope of your base policy, you can cover additional treatments, procedures, or conditions.

Avoid Separate Policies

Instead of purchasing separate policies for different coverage needs, you can enhance your existing plan with add-ons/riders, making it easier and more convenient to get the coverage you need.

Get Customised Medical Coverage

Most individuals choose to buy health insurance plans with add-ons/riders because it offers the flexibility to customise plans based on their unique needs. With add-ons/riders, you can tailor your coverage to suit your specific health requirements better.

Purchase at Affordable Premiums

Add-on covers in health insurance can be added to your policy at an affordable premium. You can also include multiple add-ons without increasing the health insurance cost significantly.

Claim Tax Deductions

The premium you pay for your health insurance policy, including add-ons, qualifies for income tax deductions under Section 80D. You can claim up to ₹1 lakh for health insurance plans purchased for yourself, your family, and your parents.

Inclusion is Simple and Easy

You can add the required add-ons to online health insurance in just a few simple steps at the time of policy purchase. You can also enhance your coverage by including add-ons at the time of health insurance renewal.

Also Read: Benefits of Health Insurance

Step 1: Visit TATA AIG’s official website. Navigate to “Personal”-> ”Health Insurance”.

Step 2: Provide the required information, including age and pre-existing health conditions.

Step 3: Compare the recommended health insurance plan options and choose the most suitable product to proceed.

Step 4: Include the necessary add-ons.

Step 5: View the premium break-up and make the applicable payment.

If you want to include the add-ons at the time of health insurance renewal, then navigate to “Renewal”->”Health” and provide the policy number. Review existing coverage, include the necessary add-ons, and make the payment.

The need for add-ons in medical insurance depends on individual circumstances. Here are a few scenarios that we can consider:

• If you have a pre-existing health condition, you may choose add-ons that help reduce the waiting period for early access to benefits.

• If you frequently visit doctors on an OPD basis, you can consider including the OPD Care health insurance rider.

• If you are planning a pregnancy, you can include the add-on for maternity care. However, this should be included well in advance, as it usually comes with a waiting period of 2 years.

• If you want to cover treatments for PCOD conditions, you can opt for women-specific health insurance riders.

• If your family has a history of critical illnesses, such as cancer, you may consider the Cancer Care add-on.

• Assess your Healthcare Needs: Assess your individual healthcare needs and identify the specific coverage benefits you may require in your health insurance policy.

• Inclusions under the Add-ons: Go through the policy document carefully to understand the expenses and benefits covered under each add-on.

• Eligibility Criteria: Certain add-ons may be available only to certain individuals or under specific conditions. Review these conditions, if applicable.

• Compare Health Insurance: Review and compare health insurance plans, including the various health insurance add-ons available under each option.

• Policy Conditions and Exclusions: Review the applicable add-on policy terms, conditions, and exclusions to know what is covered and not covered under the optional add-on.

• Waiting Period: Check whether the selected health insurance add-ons require you to go through a specific waiting period.

• Premium and Affordability: While add-ons provide additional coverage, they are available at an additional premium. Calculate the total premium and ensure it fits within your budget.

• Ignoring Waiting Periods and Exclusions: Some add-ons may have waiting periods and specific exclusions. Understanding these aspects is necessary to avail of the benefits when in need.

• Choosing Riders Beyond Actual Requirements: Including health insurance add-ons that are not necessary or you may never use, can unnecessarily increase your premium.

• Ignoring Coverage Limits: Although add-ons offer additional coverage under specific conditions, they come with certain coverage limits. Filing claims for expenses beyond these limits may not be paid.

A health insurance policy with add-ons offers essential healthcare coverage with the option to include multiple add-ons. On the other hand, a standalone comprehensive health insurance policy offers a wide range of medical coverage benefits under a single policy.

The better option among the two depends on your specific needs. For instance, if you are a healthy individual with a healthy lifestyle and no major family history of illnesses, a basic health insurance policy may be sufficient for you. In such a case, you can include the required health insurance add-ons in later years when you feel it is necessary.

On the other hand, if you are planning for a baby, have lifestyle-related health issues such as obesity, or a family medical history of critical illnesses, your healthcare needs may be more diverse. In such cases, opting for a comprehensive health insurance plan with suitable add-ons is more suitable, as it provides broader and more extensive coverage such as maternity care, global cover, etc.

Health insurance add-ons offer enhanced protection for specific health conditions beyond what is covered under a standard health insurance policy. They are optional and allow you to customise your health insurance plan based on your individual needs.

You can review the different types of health insurance riders and choose the necessary add-ons either at the time of purchase or during policy renewal.

TATA AIG offers a diverse range of add-on covers in health insurance that vary across individual plans and the health insurance for family options. Explore our policy options and add-ons to ensure more comprehensive health insurance coverage for your future needs.