< Back


invest health

Increasing need for financial planning and uncertainty of medical emergency, a health insurance plan becomes a must have for individuals. Also, by paying a little extra, one can add riders to enhance overall value of health cover.
Some of the most financially well-planned individuals make buying health insurance as one of their top financial goals. You may wonder why. This is because health insurance is one of the wisest moves one may make in terms of securing one’s finances especially when an uncertain medical emergency strikes.
When people do not have health insurance, they end up receiving less and untimely medical care, have poorer health outcomes, and tend to be a financial burden on their families if anything goes wrong. A financially well-planned individual is quite aware of these facts and hence invests in not just health insurance but also buys add-on covers to enhance his/her already existing health insurance policy.
Add-ons, also popularly known as riders, are attachments you buy for your existing health insurance policy that enhance the value and coverage of your policy at a certain cost. Here’s a list of some of the best add-ons you may consider buying for your health insurance policy:

  • Critical Illness Cover

Treating a critical illness often ends up burning a hole in people’s pockets. Adding a critical illness cover ensures that the health insurance company pays a lump sum amount, apart from the regular payout, in case the insured is diagnosed with a pre-specified illness like cancer, heart ailments, brain tumours, and kidney failure, among others.

  • Personal Accident Benefit

In case the insured meets with an untimely accidental death or becomes permanently disabled after an accident, this add-on offers the insured’s family monetary compensation. The sum received from this add-on ensures that the insured’s family does not have to face financial crisis during difficult times.

  • Loss of Job Benefit

A person being rendered unemployed is stressful enough. But when this is backed by a pending loan, it adds to all the more stress. In such a situation, this rider added to the mediclaim plan comes to one’s aid by providing financial support when most needed.

  • Child Education Benefit

This add-on is useful when the insured has children, as it provides financial stability to the insured’s family in case he/she meets with an accident that leads to death or total permanent disability. This add-on ensures that the insured’s children continue their education without any interruption due to any mishap or unfortunate incident.
With so many benefits to be enjoyed, by paying an affordable sum over and above your regular health insurance premium, an add-on truly offers complete value for money along with added protection.

  • Written By: Kadambari Mukherjee, Assistant Vice President - Products

Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.


Essentials for a Healthy Life


Tips to follow for healthy lifestyle

With ever changing lifestyle and busy schedules, we must adopt certain lifestyle habits to lead a healthy and balanced life.



How to avoid sickness during season change

Ways To Avoid Getting Sick When Season Changes



Healthy Resolutions For New Year

Various resolutions you can adopt for a healthy lifestyle.

Healthy Diet Plan for Winter


Healthy diet for winters

Know why a nourishing winter diet and medical insurance are essential for healthy living.



Exercising tips for a healthy heart

Exercising is the key to healthy heart. Here are some exercising tips you can follow.

Tips on How to Stop Smoking


Tips on How to Stop Smoking

Know why smoking is injurious to health and tips on how to stop smoking & buy insurance for cancer

Yoga day blog


Benefits of yoga

Did you know why International Yoga Day is celebrated on 21st June?

Monsoon Tips for Health


Monsoon Tips For Health

Simple tips that one can follow to ensure their well-being when the sky Gods rain havoc.

Managing Diabetes


Diabetes and its management

Importance of maintaining a healthy lifestyle and controlling the disease

How to Select Right Health Insurance Plan


How to Select Right Health Insurance Plan

Check out the factors which can help you pick the right health insurance plan in India.