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Everything about Health Insurance Add-Ons/Riders you should know

What are the Different Types of Health Insurance Add-Ons?

The different types of add-ons in health insurance plans in India are mentioned below. 

Health Insurance Add-On

What is Covered?

Room Rent waiver

With this health insurance rider, you can either increase the sub-limit provided for hospital room rent under your policy or opt for no sub-limit on room rents.

Maternity cover

This rider covers all expenses related to pregnancy and childbirth.

Hospital cash cover

It is a form of daily cash allowance provided by the insurer to the insured individual during hospitalisation.

Critical Illness cover

This add-on provides financial coverage for expenses borne due to critical illnesses such as cancer, cardiovascular diseases, etc.

Personal Accident cover

This add-on provides compensation for all kinds of accidental injuries sustained by an individual, including disability, death, etc.

Zone upgrade

This add-on allows the insured individual to avail additional financial assistance depending on which zone he/she is seeking treatment in.

AYUSH Treatment cover

Under this add-on, you receive financial coverage for alternative treatment methods (Ayurveda, Yoga, Unani, Siddha, and Homeopathy).

Types of Add-Ons in Health Insurance Policies - Explained

Zone Based Premium Calculation with an Example

Zone C

Zone B

Zone A

Premium is Rs. 5315 with 20% Co-payment

Premium is Rs. 5882 with 10% Co-payment

Premium is Rs. 6448 with 0% Co-payment


Pay Rs. 567 (Zone C -> B) as Zone Upgrade Add-on Charges

Pay Rs. 1133 (Zone C -> A) as Zone Upgrade Add-on Charges


Save 10% Co-payment Charges

Save 20% Co-payment Charges

FAQs about Health Insurance Add-Ons