Health Insurance 445 views July 29, 2021

Old-aged parents can be vulnerable to numerous illnesses and require frequent medical attention, thereby making you spend too much towards the same. However, a health insurance plan can prevent such financial burden for yourself. Health insurance covers medical expenses incurred during the policy period. But some health insurance plans may not cover all the things that your parents may require. In that case, you can buy several add-on covers with the same. This will help take care of your parents and ensure optimum financial protection for yourself. On this page below, we’ll learn about the useful riders for parents’ health insurance. So, continue reading!

Health Insurance

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Parents Health Insurance Add-on Covers

You can enhance the coverage for your parents’ health insurance by adding any of the riders:

Hospital Cash Benefit

The daily cash benefit will provide a fixed amount for each day of hospitalization. The amount remains the same throughout the policy term. And to claim this benefit, you do not need to submit any supporting bills.

Room Rent Waiver

Usually, health insurance policies come up with a room rent cap up to which the insurer pays your medical expenses during the hospital stay, and after that, you need to pay from your pocket. This rider helps you get a no sub-limit for room rent, thereby allowing you to choose the room rent category at your convenience.

Critical Illness Cover

This add-on cover provides financial protection against terminal illnesses like brain tumors, cancer, heart stroke, etc. The insurer gives a lump sum amount to the policyholder in case of diagnosis of any of the covered critical illnesses during the policy term.

Personal Accident Cover

In case you meet with an accident and it leads to death, permanent disability, temporary disability, total disability or partial disability, the insurer pays an amount as specified in the policy schedule under this rider.

Zone Upgrade Rider

You can get wider coverage under the policy if you upgrade the ‘Zone’ with the help of this rider. The insurer shall cover your medical expenses based upon the city or state you live in. For Instance,

Zone A – Delhi/NCR, Mumbai

Zone B – Hyderabad, Secunderabad, Bangalore, Kolkata, Vadodara, Pune, Chennai and Surat

Zone C – Cities other than Zone A and B cities

Domiciliary Hospitalization Cover

The insurer will cover domiciliary hospitalization if you opt for this add-on cover. Coverage under this benefit is provided if the treatment exceeds three days for an illness/disease/injury. You can avail of this benefit in case of the following conditions:

  1. The insured is not in a condition to be moved to a Hospital
  2. Treatment is taken at home on account of the non-availability of room in the hospital

However, this benefit shall not cover the following:

  1. Asthma
  2. Bronchitis
  3. Chronic Nephritis and Nephritic Syndrome
  4. Diarrhea
  5. All types of Dysenteries including Gastro-enteritis
  6. Diabetes Mellitus and Insipidus
  7. Epilepsy
  8. Hypertension
  9. Influenza
  10. Cough and Cold
  11. All Psychiatric or Psychosomatic Disorders
  12. Pyrexia of unknown origin
  13. Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis
  14. Arthritis
  15. Gout and Rheumatism.

Maternity Rider

Medical treatment expenses traceable to childbirth including complicated deliveries and cesarean sections shall be covered under this add-on cover. This rider also covers lawful termination of pregnancy and childbirth.

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