Group Health Insurance Add-ons - Buy Online

Top-up cover is additional coverage that employees can buy along with the health insurance provided by your employer. Like how a spare tyre of a car helps in case of a tyre puncture, the Top-up cover also offers that extra benefit over and above the sum insured of the base plan. This policy is beneficial if you are planning to include your spouse, children, dependent parents, or parents-in-law into the plan. Top-up cover offers additional coverage since the chances of hospitalisation increase as their age increases. For example, suppose your Group Health Insurance Plan comes with a sum insured amount of Rs. 5 lakhs, and you opt for the top-up add-on of Rs. 2 lakhs. If the hospital bill is Rs. 6 lakhs, then the top-up cover of Rs. 2 lakhs will cover the remaining Rs. 1 lakh. Compared to the personal health insurance plan, top-ups are a lot cheaper, in addition to the benefit of claiming tax exemptions under section 80D of the Income Tax Act.

The add-on is designed to nullify any loss of income due to hospitalisation by offering daily cash allowance to the beneficiaries. ACKO provides a fixed amount each day that you are hospitalised for a fixed number of days, subject to the terms and conditions of the policy. Additionally, it does not cover claims related to maternity and pre-existing conditions. Hospicash cover acts as a source of income during the period of hospitalisation. It provides coverage for miscellaneous expenses arising due to the hospitalisation. Hospicash Cover can be used by employee, spouse and dependent children.

Get compensation or payment in case the insured dies or is disabled due to an accident. ACKO will pay 100% of the sum insured in case of accidental death, permanent or total/partial disability. In case of temporary total disability, ACKO will compensate as per the terms and conditions of the policy. The add-on cover will also offer other benefits such as children’s education cover and repatriation of mortal remains. The cover is worldwide, but payment of claim can only be made in India and in Indian Rupees. The coverage amount under this add-on varies for different insurers based on the terms and conditions of the policy.

In normal cases, if you select a room exceeding the limit, you need to pay the proportional cost of the entire treatment out of your pocket during claims. Room Rent Waiver helps if you select a hospital room that has higher rent than covered in the base policy, as it allows you to increase the room rent limit at a nominal cost. This add-on cover applies only to the base policy and does not affect the sub-limits of other add-ons. Room Rent Waiver cover can be used by all covered members - employees, spouses, children and parents.

Provide a robust and highly flexible Group Medical Insurance Plan to your employees. Group Medical Insurance policy helps in retention of talent and reduction in attrition. It also helps in motivating employees by offering excellent perks and benefits. This helps to increase the brand value of the company in the industry.