Add On Covers
Add-on covers extend the scope of your basic health insurance for more comprehensive coverage. These are optional and are charged at a higher premium.
Types of Add-on Covers
|
Add-On Cover |
Description |
|---|---|
|
Dental Cover |
Covers routine check-ups, dental procedures, and sometimes orthodontics |
|
Optical Cover |
Includes eye exams, prescription glasses, and contact lenses |
|
Maternity Cover |
Covers prenatal, childbirth, and postnatal care — some policies extend to newborn care |
|
Psychiatric Cover |
Provides benefits for mental health treatment including therapy and medications |
|
Alternative Medicine Cover |
Covers treatments like acupuncture, chiropractic services, and homeopathy |
|
Wellness and Preventive Services |
Includes vaccinations, health screenings, and annual check-ups to promote wellness |
Is It Wise to Opt for Add-On Covers?
- Assess the specific health needs of yourself and your family.
- Check whether the potential benefits justify the additional cost.
- If required, include the required add-ons to enhance your health insurance policy.
Impact of Add-On Covers on Premiums
- Adding add-on covers will increase your policy's premium.
- The extent of the increase depends on the type and number of add-ons chosen.
- Greater coverage scope means higher premiums.
- Choose wisely based on personal health needs versus cost.
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