Add-on Covers to Opt with Parents Health Insurance
Published On Jul 16, 2021 11:00 AM By Kanika Wadhwa
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There are some health requirements that do not get covered in a standard health insurance plan that you may have purchased for your parents. If you wish to avail these coverages, then you are required to include add-on covers to your basic health insurance plan for senior citizens in order to enhance the coverage and make the insurance plan more comprehensive.
Add-on Covers to Choose with Parents Health Insurance
Highlighted below is the list of some of the useful add-on covers that you can include in the standard health insurance plan bought for your parents:
Critical Illness CoverThis is an important add-on cover for your parents. By including this add-on to your insurance plan, the insurance provider would offer the insured a lump sum amount upon getting diagnosed with a critical illness like cancer, diabetes, kidney failure, etc, irrespective of the total treatment expenses.
For instance, in case you have an health insurance plan with Rs 10 Lakh as sum insured. Then , you can consider buying a critical illness add-on cover for your parents that provides an added sum insured of up to Rs 20 Lakh.
Room Rent WaiverThere is some capping on hospital room rents in a basic health insurance plan. However, in case you select a room rent waiver add-on to your health cover, then the limit rises or there isn’t any limit at all. With the room rent waiver add-on, you are allowed to avail room rent up to the limit of the sum insured. People who get hospitalized in metropolitan cities are aware that the room rent charges are very high and opting for a room rent waiver here would prove to be extremely useful.
Hospital Cash CoverBy opting for a hospital daily cash add-on cover, the policyholder would receive daily cash allowance while they are admitted in the hospital. The policyholder is required to be admitted in the hospital for over 24 hours in order to receive the daily allowance benefit. Also during the hospitalisation, it can be used to meet other expenses such as conveyance, food, etc.
Personal Accident CoverBy including a Personal Accident add-on cover to your basic health insurance plan, you would receive compensation against all types of accident outcomes including accidental death, partial disability, and permanent disability.
OPD CareFor senior citizens, visits to OPD are very frequent and common. However, the majority of health insurance plans do not have any provision for covering expenses related to OPD. While, certain health insurance companies offer the option to get OPD cover in the current health plan in case you pay an added premium amount. Not all insurance companies offer OPD cover, therefore, make sure to check it during the time of purchasing or renewal of the insurance plan.
There is an increase in demand to buy an all-inclusive health insurance plan amongst the insurance buyers during this dreaded pandemic. During these difficult times, one thing that we all want to ensure is the protection of our family members and dear ones. By including these add-on covers to your existing health plan you can surely secure the health of your family members to a great extent. In case you wish to purchase the afore-mentioned add-on covers, then simply check for health insurance plans for senior citizens at InsuranceDekho and choose the add on covers during the time of policy buying or renewal.
Must Read: Affordable Health Insurance Plans For Parents in 2021
Health Insurance For Parents: What All Is Covered?
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.