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Useful Add-ons To Opt With Parents Health Insurance Plans

Published On Mar 18, 2021 5:30 AM By KANIKA WADHWA

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.

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