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Useful Add On Covers To Opt with Senior Citizen Health Insurance Plans

Published On Feb 27, 2021 5:30 AM By Sakshi Aggarwal

A rider is an additional benefit that can be included in a standard health insurance policy. By adding riders, you can alter your insurance policy as per your requirements and at a lower cost.

Useful Add ons or Riders for Senior Citizen Insurance Plans

1. Room Rent Waiver

This add on gives you freedom of choice regarding the hospital you are getting treated or the room you stay in as per your requirements. Usually,a standard Insurance policy provides coverage for room rent to a fixed limit. In metropolitan cities, room rents in hospitals are considerably higher, which may not get covered under a basic policy, with this add on you can either increase the limit or can remove it.

2. Hospital Cash Facility

With this add-on, the company will give you a fixed amount on a daily basis for the entire duration of your hospitalisation as reimbursement of expenses other than hospitalisation expenses such as travelling costs, medication costs, etc.

3. Critical Illness Cover

If you buy this rider with your standard Insurance policy, the company will give a lump sum amount in case you are diagnosed with a critical illness.

For example- A person has a health insurance policy with a sum insured of ₹3,00,000 and decides to buy a critical illness add-on with a sum assured up to ₹15,00,000.

In case he is diagnosed with any critical illness, he will get a lump-sum of ₹15,00,000 from the company even if the expenses incurred are lesser than that.

4. Personal Accident Cover

With this add-on, the insurance company will provide coverage for accidental damages too. These may include temporary Or permanent disability.

5. Zone Upgrade Rider

The cities of India are divided into three Zones based on the city's medical expenses and health care facilities. These are:



Zone A

Delhi/NCR, Mumbai.

Zone B

Hyderabad, Secunderabad, Bangalore, Kolkata, Vadodara, Pune, Chennai, and Surat.

Zone C

Apart from Zone A and Zone B cities, the rest cities belong to Zone C.

If you buy this rider, you can upgrade your zone to Zone A Or metropolitan cities and can enjoy better facilities as these cities provide better health care facilities.

6. OPD Care Rider

Health insurance under the Senior citizen category provides coverage for opd facilities too. Opd care includes medical tests, diagnostics, doctors consultation fees etc. As Senior citizens are prone to illnesses and diseases, they need regular check-ups and this rider becomes a must-have add-on for them.

7. Automatic Recharge

With this add-on feature, you wouldn't need to renew your policy after every year. It will get renewed by itself after every year until you yourself don't want to continue the policy further.

8. AYUSH Cover

AYUSH stands for Ayurveda, Yoga, Unani, Siddha, and Homeopathy, one can avail financial coverage for expenses incurred on such alternative treatment methods.

These health Insurance riders are available for senior citizen plans or for individuals above the age of 60.

9. Domiciliary Hospitalisation Cover

If you buy this policy rider you can avail coverage for home treatment if prescribed by the doctor. Your health insurance policy with this rider added-on will provide coverage for domiciliary hospitalisation expenses as well.


It is true that riders make your base policy a little bit costlier but they make the insurance policy a lot more comprehensive. Comparing the premium with the needs than having riders become cost-effective. But for that, you will have to ensure that you choose the right riders with your policy.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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