< Back


Add On Covers You Must Have with Health Insurance

Today, in the purview of the rising medical costs, health insurance policy is a must-have for all. It helps you secure your family's financial future against medical emergencies. Like other insurance, health insurance also has certain limitations; they may not provide enough coverage against specific events, risks, or diseases, unless specified in the policy documents. In such a situation, it is advisable to buy add-ons or riders.

What Are Add-Ons In Health Insurance?

As the name suggests, add-ons or riders are additional coverage options that you can voluntarily purchase to extend the scope of your standard health insurance policy. You can buy add-ons to suit your needs at the time of buying the policy or when you renew it.

The Must-have Add-ons for Your Health Insurance

Critical illness rider

If you have included your old-aged parents under the policy, it is advisable to purchase the critical illness riders as they can be vulnerable to being diagnosed with life-threatening conditions such as cardiac ailments, cancer, kidney failure, etc.
Under this rider, if you or any of the family members covered under the plan gets diagnosed with critical illnesses, the insurer will immediately pay the additional sum assured to cover the treatment expenses, irrespective of the actual cost.
This means that if you have any spare amount after paying the hospital bill, you can use the money for miscellaneous expenses.

Maternity cover

Generally, the standard health insurance plans do not cover expenses related to pregnancy and childbirth. However, if you have recently married or are planning to have a child, you must have maternity cover. The extent of the coverage you get depends on the terms and conditions of the policy.

AYUSH Treatment

Many people do not like to avail of allopathic treatment; instead prefer the alternative treatment methods. Most health insurance plans do not cover the expenses for AYUSH treatment. AYUSH stands for Ayurvedic, Yoga, Unani, Siddha, and Homoeopathy. However, if you have this add-on, you can get coverage for expenses incurred on the alternative treatment methods.

Air Ambulance

A standard health insurance coverage does not include treatment expenses you may incur overseas. If you are involved in a profession that requires you to travel frequently or if you go on business trips, having this rider will be useful.
If something happens to you while travelling or when you are on foreign soil, and you need to be airlifted to the nearest hospital, the air ambulance rider will help you cover the expenses.

Domiciliary treatment cover

If you are diagnosed with any condition that requires you to get medical attention at home, having a domiciliary treatment cover can help you get the coverage for the expenses incurred.

Co-payment waiver cover

Most standard health insurance plans have a co-payment clause, especially if you have included senior citizen parents in your plan. As per the co-payment clause, you need to pay a certain amount from your pocket (generally 20%) while the insurance company pays the balance amount. However, if you have this add-on, the insurer will cover the full expenses.

Purchase add-ons to get comprehensive coverage

Buying add-ons is a cost-effective way to cover the specific risks that are not covered under your standard health insurance policy. If you are buying health insurance from Kotak General Insurance, you get a wide choice of plans and add-ons to suit your needs. To know about our plans, visit our website.

Related Blogs
How To Choose Proper Coverage for Health Insurance
9 pillars of health insurance you must consider
Here is a Comprehensive Guide to Health insurance and Tax Savings

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.

Essentials for a Healthy Life


Must have add on covers for health insurance

Increasing need for financial planning and uncertainty of medical emergency, a health insurance plan becomes a must have for individuals.



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