Health insurance add-ons are powerful covers that can elevate your coverage providing additional protection beyond the standard vanila policy.

1. Accelerated Bonus: Turbocharging Your Coverage

Accelerated bonus riders offer the opportunity to multiply your sum assured in the event of no claims. Now there are plans which give you 6X of Sum Assured in 5 years. 

Example  : if you have a 10 Lacs cover it grows to 60 Lacs in 5 years thereby giving you a very high cover and taking care of medical Inflations.

2. Restoration Cover: Bouncing Back Stronger

Restoration or Recharge covers are like a safety net for your Sum Assured. If you exhaust your coverage in a claim, this rider reinstates the entire sum assured.  This ensures you are always protected even if faced with multiple medical expenses within a policy year.   Example : If you have 5 lakhs covered in a floater policy and in a hospitalization the entire 5 lacs is used up, the company reinstates another 5  lacs so that you & your family members remain insured.

3. Consumables Cover: Beyond Hospital Bills

Example: Consumables cover riders take care of those extra expenses incurred during hospitalization, such as needles, syringes, stitching sutures, surgical tapes, cotton gauze, razors, gloves, masks, gowns, plasters, braces, collars, etc.

This rider ensures that you are financially covered not just for medical procedures but for all the essential consumables needed for your recovery.

4. Unlimited Automatic Recharge: Never Run Out of Cover

Imagine having your health coverage automatically topped up after every claim. Unlimited automatic recharge riders ensure that your sum assured is replenished, offering continuous financial support for medical treatments without worrying about exhausting your coverage.

5. No Claim Bonus Protection: Rewards Preserved

No Claim Bonus (NCB) protection riders shield your no claim bonus. With NCB protection, even if you make a claim, your bonus remains intact, preserving the financial benefits of a claim-free year.

6. Maternity Cover: Nurturing Financial Support for New Beginnings

Maternity cover ensures comprehensive coverage for pregnancy and childbirth expenses. Some policies go the extra mile, extending coverage to the child's expenses from vaccinations to postnatal checkups.

7. AYUSH Cover: Embracing Holistic Health Solutions

AYUSH, encompassing Ayurveda, Yoga, Unani, Siddha, and Homeopathy, represents holistic health approaches. This allows you to avail coverage for expenses related to alternative treatments . This is very handy for senior citizens or people who want to take Traditional treatments

8. OPD Cover: Bridging Gaps in Outpatient Expenses

This add-on covers the costs of outpatient treatments, consultations, and diagnostic tests. It's a valuable addition for those seeking comprehensive coverage beyond hospitalization to take care of their Medical expenses.