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Health Insurance Add-On Covers And Their Benefits

Published On Nov 05, 2021, Updated On Nov 06, 2021

Health insurance plans are bought by the policyholders to compensate for their high costs of medical treatments incurred during hospitalization. Sometimes, these health insurance plans can be insufficient in meeting the requirements of the individuals due to the increase in inflation in the health sector. Therefore, to help the people in overcoming the costs of treatments without compromising the quality of the treatment, the health insurance providers have rolled out add-on covers. These additional health insurance plans are affordable and extensive as they add value to the existing health insurance plans of the policyholders. These plans are available in a variety of options and can be bought after analyzing your needs carefully.

Health Insurance Add-On Covers And Their Benefits

What Is An Add-On Health Insurance Cover?

An add-on health insurance cover is an additional cover that offers benefits and coverage to the policyholders on their existing health insurance plans. As mandated by the IRDAI, the total premium amount of all the add-on covers under the single health insurance plan cannot exceed 30% of the original premium rate. Therefore, the add-on covers provide cost-effective and extensive coverage to the policyholders.

Must Read: Useful Add On Covers With Family Health Insurance Plan

Benefits of Add-On Health Insurance Covers

Following are some of the essential benefits of add-on covers under a health insurance plan:

  • Health insurance providers offer their policyholders the flexibility to customize their health insurance plans according to their requirements.
  • These covers offer enhanced coverage to the policyholders at an affordable price.
  • You can add extra benefits under your existing health insurance plans by investing in a suitable add-on cover.
  • Tax saving perks are offered to the policyholders who are also the taxpayers on their premium payments, under the Section 80D of the Income Tax Act.

Several Types of Add-On Health Insurance Covers

To cater the needs of the policyholders, health insurance providers have rolled out different types of add-on covers. These plans have different features to suffice the coverage of the purchased health insurance plans of the policyholders. Following are some of the common types of add-on covers in the insurance market:

1. AYUSH Treatment Cover

This add-on plan offers monetary compensation for medical expenses incurred during alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

2. Zone Upgrade Cover

This add-on ensures that the policyholders get extra financial assistance based on the zone in which they are seeking their treatment in case of medical emergency.

3. Personal Accident Cover

This add-on provides the policyholders with financial support in case of any accidental injuries which includes disability or death due to an accident. This plan offers compensation to the individuals in case of an accident and its related medical expenditures.

4. Critical Illness Cover

People with a medical history or pre-existing condition of critical diseases can avail the benefits of this plan. It covers critical diseases like diabetes, hypertension, cancer, sclerosis, and much more, as specified by the insurer. These plans look after the medical dues of the treatment of these life-threatening diseases.

5. Hospital Cash Cover

This add-on cover offers daily cash allowances to the policyholders at the time of hospitalization.

6. Maternity Cover

Under this plan, the policyholders can meet the medical expenses incurred during hospitalization for childbirth. It offers the benefits for the newborn baby including the vaccination charges. This cover also includes the costs of regular gynaecologist visits, medications, consultations, vaccinations, etc.

7. Room Rent Waiver

Under this add-on the policyholders can either increase the sub-limit on your room rent charges, or opt for no sub-limits on it, based on their financial budget.


Before investing in a particular type of health insurance plan, it is important for the policyholders to consider their requirements and then accordingly put their money in a plan. Add-on covers can be bought by anyone to enhance their existing covers. After buying a cover, it is necessary to go through its terms to make sure that it meets your demands without compromising the quality of services.

Also Read: Do You Need Riders or Add-on Covers To Maximize Benefits?

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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