Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Hurry Up!
Save upto ₹75,000 on taxes in 80D. Buy a health insurance now!
View Plans

Useful Add-ons To Opt With Parents Health Insurance Plans

Updated On May 11, 2021

There are a number of health insurance policies from which you can choose the best ones for your parents. However, sometimes a basic policy plan may not cover certain medical insurance requirements of your parents. To avail coverage for such requirements or expenses, you can opt for health insurance riders with a basic senior citizen health insurance policy to make it more comprehensive.

Useful Add-ons To Opt With Parents Health Insurance Plans

Useful Add-ons To Opt With Parents Health Insurance Plans

Below mentioned are some useful riders one should consider in case of buying a health insurance policy for parents.

1.Hospital Cash

Although your health insurance policy covers all the hospitalisation and treatment expenses, some expenses are still not covered by your health plan. Such expenses are called inadmissible expenses. They may include surgical accessories, X-ray charges, expenses incurred by accompanying family members etc.The daily cash cover offers a fixed amount for each day till you are hospitalised . The amount stays fixed and remains the same throughout the policy duration. Also, there is no need to submit supporting bills to claim this benefit.


2. Room Rent Waiver

Usually Insurance policies come up with a cap on the room rent. That means you are allowed to spend only a certain amount on room rent if the hospital any expenses incurred after that limit would be paid by you from your pocket. This rider allows you to opt for a room with either a higher sub limit or no sub limits. With this rider, you can choose to stay in a better room without causing a dent in your pocket. This feature is helpful for the ones who are getting treatment in a metropolitan city because room rents are higher in such cities.

3. Surgical Benefit

A basic health insurance policy covers hospitalisation expenses, but with this rider you can claim compensation for required surgeries and related expenses as well.

4. Critical Illness Cover

Critical illness refers to any disease which is terminal in nature such as brain tumor, cancer, massive heart stroke etc. Critical illness cover provides a lump sum amount to the policy holder irrespective of the actual expenses incurred on the treatment. This amount is up to the extent of sum insured.
For example- A person has a health insurance policy with a sum insured of ₹5,00,000 and decides to buy a critical illness rider with sum insured upto ₹10,00,000.
In case he is diagnosed with any such critical illness, he will get a lump-sum of ₹10,00,000 from the insurer even if the expenses incurred are lesser than that.

5.Personal Accident Cover

This rider provides compensation for all the kinds of outcomes of an accident including accidental death or any kind of disability(permanent or temporary, total or partial).

6. Zone Upgrade Rider

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

Zone Cities
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, rest cities belong to Zone C

If you buy this add one cover, you can upgrade your zone to metropolitan cities and can enjoy better facilities as these cities provide better health care facilities.

7. OPD Care Rider

Health insurance policies provide coverage for opd facilities for senior citizens.Opd facilities includes medical tests, diagnostics, doctors consultation fees etc. As older people are prone to illnesses and diseases, they need regular health check up and this rider becomes a must have add on for them.

8. AYUSH Cover

AYUSH stands for Ayurveda,Yoga,Unani,Siddha and Homeopathy,one can avail compensation for expenses incurred on such alternative

9. Domiciliary Hospitalisation Cover

With this rider, you can claim compensation for home treatment expenses or you can say domiciliary hospitalisation and related expenses if prescribed by the doctor.

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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

Best Health Insurance Plans In India

  • Cover 5 L
    Starting at 832/month*
    No room rent limit 100% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 10 L
    Starting at 739/month*
    No room rent limit Unlimited restoration benefits50% no claim bonus4 Years PED Waiting period
    View All Features
  • Cover 5 L
    Starting at 447/month*
    No room rent limit 33% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,312/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 664/month*
    No room rent limit 20% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 675/month*
    No room rent limit 50% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 690/month*
    Single Private A/C Room 100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 546/month*
    Twin sharing room Zero no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 566/month*
    No room rent limit 20% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,770/month*
    Zero no claim bonusNo restoration benefits1 year PED waiting period
    View All Features
  • Cover 40 L
    Starting at 62/month*
  • Cover 2 L
    Starting at 146/month*
  • Cover 5 L
    Starting at 806/month*
    Single Private Room 10% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 476/month*
    60% no claim bonus150% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 526/month*
  • Cover 5 L
    Starting at 855/month*
    25% no claim bonus100% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 396/month*
    No room rent limit Room rent upto 2% of SI Room rent upto 1% of SI No room rent limit
    View All Features
  • Cover 5 L
    Starting at 738/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
Note: Premium is shown for 18yr old individual of Delhi
Show More

Health Insurance News

People Also Read

Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 66 Lacs+ happy customers

Latest Health Insurance Articles