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Health insurance add-ons offer extra coverage in addition to the coverage your health insurance plan offers. They’re also completely optional and can be added to your plan for an extra fee.
Many insurers offer health insurance add-ons since everyone has different healthcare requirements. They help you customise your medical insurance coverage to suit your specific requirements, eliminating the need for a separate plan.
Reliance General Insurance offers a wide range of health insurance add-ons, and here is everything you need to know about them.
A health insurance add-on is an optional cover that you can add to your health insurance policy for an extra cost to increase your total medical coverage.
When you buy an individual or family floater health insurance policy, the coverage is designed to meet essential healthcare needs. However, if you have specific health concerns that need to be covered under your health insurance plan, you can include it as an add-on.
For example, if you have a family history of cancer, regular health plans don’t offer enough coverage to cover cancer-specific treatments. However, a critical illness add-on does. By pairing this add-on with your regular policy, you now ensure medical coverage in the event of a diagnosis.
Health insurance add-ons are offered at an additional premium. However, the price is comparatively lower than buying a standalone policy just to cover a specific healthcare need.
You can include multiple health insurance add-ons to your health insurance policy. However, according to IRDAI regulations, the total premium should not exceed 30% of your base premium.
Reliance Health Insurance Add-Ons
Brief Description
Critical Illness Add-On Cover
Offers a lump sum benefit when diagnosed with a critical illness, such as cancer, kidney failure, etc.
Maternity Cover
Covers medical expenses related to pregnancy and childbirth, including delivery costs, pre-and post-natal care and newborn baby care.
Hospital Daily Cash
Provides a fixed daily cash benefit when you are hospitalised. It can be used for food and transportation expenses.
Reinstatement of Sum Insured
Allows you to restore your sum insured unlimited times if it gets exhausted in a year.
Reduction or Change in Waiting Period
Helps in reducing or changing the waiting period for specific health conditions, such as pre-existing diseases.
Waiver of Co-Payment
Removes the need for co-payment. We pay all eligible medical expenses.
Voluntary Co-Payment
Provides a discount on the premium if you opt for a voluntary deductible
OPD Cover
Covers expenses for outpatient services, such as consultation fees, diagnostic tests, etc.
Consumables Cover
Covers the cost of medical consumables, such as syringes, gloves, and other disposable items.
Reduction in Room Rent Limit
Lowers the room rent limit and allows you to opt for a higher category of room.
Global Emergency Hospitalisation Cover
Covers unexpected medical expenses while travelling abroad.
Reliance Health Insurance Plans
Health Insurance Add-Ons
Reliance Health Infinity Insurance Policy
Voluntary Aggregate Deductible
Reliance Health Gain Insurance Policy
Child Care Cover
Reliance Health Global Policy
Change in Pre-Existing Waiting Period
Provides Broader Coverage
Affordable Option
Buying add-on covers in health insurance helps you expand your coverage for more comprehensive protection. It ensures you are safeguarded against a wider range of potential healthcare risks and expenses.
Health insurance add-ons can be purchased at an affordable premium. You can easily afford to purchase multiple add-ons in a single health insurance policy.
Avoids the Need for a Separate Policy
Personalised Coverage
Buying health insurance add-on covers is a cost-effective solution compared to purchasing a separate health insurance policy for specific healthcare needs.
You can decide on the type and number of add-ons required. It helps you personalise the health insurance policy based on your specific individual circumstances.
Discounts
Restore Sum Insured during the Policy Period
Opting for certain health insurance add-ons can provide discounts on your premium. It can help you save your money on health insurance investments.
Health insurance add-ons allow you to restore the sum insured in case it gets exhausted during the policy period. It can be restored unlimited times, helping you manage unexpected medical emergencies.
Tax Advantage
Simple and Quick Online Purchase
The premium paid for a health insurance policy, including add-ons, is eligible for a tax deduction benefit. It is applicable under Section 80D of the Income Tax Act, 1961 (up to ₹1 lakh) and can be availed separately for yourself (including your family) and your parents.
You can include add-ons in your policy online either at the time of purchase or during health insurance renewal. It is a simple, user-friendly and less time-consuming process.
Add-on cover in health insurance is an optional cover that helps you enhance the coverage offered under your base health insurance policy.
Health insurance add-ons offer additional protection to cover specific healthcare needs beyond your basic health insurance policy.
The need to buy add-ons in health insurance depends on your individual circumstances and health conditions. For example, if your family (previous generation) has a medical history of developing cancer, you can consider purchasing the critical illness health insurance add-on for additional protection.
You can buy the health insurance add-ons at the time of policy purchase after choosing the policy and the standard features. You can also purchase them at the time of health insurance renewal based on your evolving healthcare needs.
No, you can purchase health insurance add-ons only with a base plan. They are not available as standalone policies.
The cost of a health insurance add-on depends on the type and extent of coverage offered.
Health insurance add-ons are specific to a health condition and do not cover all medical conditions. For instance, a critical illness add-on provides a lump sum financial benefit only when you are diagnosed with a critical illness.
Yes, you can add health insurance add-ons to your existing policy at the time of policy renewal by paying the applicable premium.
Yes, the premium paid for the purchase of a health insurance add-on is eligible for a tax deduction under Section 80D of the Income Tax Act 1961. You can get this benefit for yourself, your spouse, dependent children, and for your parents. This benefit is also only available under the old tax regime.
Yes, you can file a cashless claim for the health insurance add-on cover. However, it is subject to the specific policy terms and conditions.
No, you can file a cashless claim from a network or non-network hospital. However, the process is simpler, has less documentation and is quicker in a network hospital.
Click here to locate the nearest hospital in our network for cashless hospitalisation.
Yes, health insurance add-ons can be purchased for individual and family floater plans to customise coverage.
There is no restriction on the number of add-ons that can be included in your health insurance policy. However, as health insurance premiums are offered at additional premiums, be sure to make them affordable based on your financial situation. Also, the aggregate premium should not exceed 30% of your base premium.
In a standard health insurance policy, you have to go through a waiting period to claim benefits for pre-existing diseases. However, with the ‘Reduction in Waiting Period’ add-on, you can reduce the waiting period applicable to pre-existing diseases by reducing it to 24 months or 12 months.
The number of claims applicable to a health insurance add-on depends on the specific policy terms and conditions.
You can opt out of the coverage offered under an add-on at the time of health insurance renewal. Some insurers will allow you to do this during the policy term, but you will need to contact your insurer to confirm this.
Disclaimers: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223 Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122 Health Global: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324 Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
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