Keeping your family healthy has become a top priority in today’s world. First of all, the main Health Insurance plans give you and your family the basic protection needed. However, add-on layers of protection can significantly increase not only the coverage but also the quality of the healthcare services that your family will have access to.
The Health Prime Rider is one of the most helpful additions of that kind. It is a health insurance rider that is compatible with the existing cover of a family and offers a wide range of benefits that include preventive care, visits to the doctor, check-ups, and health support.
What is the Health Prime Rider?
The Health Prime Rider is an add-on coverage designed to be purchased in conjunction with a base Health Insurance policy. It expands the overall coverage for health care by providing coverage with benefits that are not typically provided or limited under standard Health Insurance products. Riders like the Bajaj General Insurance Health Prime Rider may be purchased on either an individual basis or a family floater basis, which provides flexibility for different family sizes and health needs.
Key Features of the Health Prime Rider
- Doctor Consultation Cover: The rider provides unlimited tele-consultation for all insured members with over 90,000 doctors from 35+ specialisations, available 24×7 via video, audio or chat. The insured member can consult with medical practitioners through this tele-consultation process from the comfort of their homes, lessening their exposure risk in needing to visit a doctor in-person, unless the insured member’s condition absolutely requires it. There is also coverage for in-person consultations (at network centres), but only up to defined limits.
- Pathology & Radiology Expense Coverage: The rider covers expenses for doctor-prescribed investigations, including pathology and radiology tests. These tests can be availed of both at network centres and outside, subject to limits defined in the policy schedule.
- Preventive Health Check-ups: Annual preventive health check-ups are included and can be availed of on a cashless basis at designated hospitals or diagnostic centres. This proactive approach helps detect potential health issues early, promoting timely intervention.
- Dental Wellness: The rider covers dental consultations, X-rays, and procedures like root canal treatment, extractions, and crown restorations, which are often excluded from basic Health Insurance plans.
- Diet and Nutrition Consultations: The insured members may also obtain advice from a dietician or nutritionist through tele-consultation for diet planning and to support healthier lifestyle choices.
- Emotional Wellness: The rider also allows insured access to consultations with emotional health coaches and psychologists, keeping a focus on emotional health as part of an overall approach to healthcare.
- Physical Fitness Coverage: Additionally, with the addition of this rider, the insured has access to the fitness facilities in the network and can attend a maximum of 365 sessions in a year in support of their physical wellness.
Why is the Health Prime Rider Essential for Family Healthcare?
Families today are up against a variety of health issues, whether that be lifestyle diseases or mental health issues. Many conventional health insurance plans limit their coverage to hospital care and treatment for serious illnesses. The Health Prime Rider adds to standard health insurance coverage by covering many outpatient consultations, diagnostics, preventive care, and wellness services, which help establish positive long-term health outcomes.
Comprehensive Coverage for All Family Members
The availability of the rider as a family floater option implies that several family members can be covered together using one sum insured. This not only simplifies the administration of the coverage to the family members but also guarantees that all of them will get timely health care when they need it the most. It is true, in particular, for families comprising of elderly members or children who need regular consultations and preventive care and therefore doctor visits.
Cost-Effective Healthcare Management
The Health Prime Rider, through tele-consultations and cashless diagnostic services, helps in the reduction of unnecessary hospital visits and out-of-pocket expenses. An affordable premium, starting at *INR 117 (subject to terms and conditions), makes it a cost-effective addition without the need for a substantial financial burden.
Encouraging Preventive Healthcare
Moreover, it offers a complete health check-up every year as well as wellness services, which in turn enable families to understand their health concerns better. Detecting health issues early through annual check-ups can be a way of preventing complications and costly long-term treatments.
Integration with Health Insurance Plans for Family
The Health Prime Rider is designed to be seamlessly integrated with selected Health Insurance plans for families, such as Health Guard, Health Ensure, Health Infinity, and others. The rider’s policy tenure aligns with the base policy, ensuring continuous and synchronised coverage.
Moreover, insurance companies like Bajaj General Insurance provide various discounts, including family discounts for individual plans, long-term policy discounts, and online savings for direct purchases, further enhancing the affordability of comprehensive family healthcare protection.
Important Considerations
- The rider’s age eligibility and waiting periods correspond with those of the base Health Insurance policy.
- Pre-existing diseases are subject to waiting periods as per the base policy.
- The rider premium cannot exceed 33% of the base policy premium.
- Various payment modes are available for premium payments, excluding cash.
- Claims under the rider are subject to the terms and conditions outlined in the policy documents.
- Tax benefits on premiums paid are subject to changes in prevailing tax laws.**
Conclusion
The Health Prime Rider is a useful add-on to existing Health Insurance policies for family, giving comprehensive protection that extends beyond hospitalisation. With doctor consultation, diagnostic investigations, preventive health check-ups, dental treatment, nutrition, emotional well-being, and fitness cover, it provides comprehensive healthcare protection tailored to modern family needs.
Families seeking to enhance their health protection will appreciate this rider, which offers an extensive list of features ensuring early detection, timely intervention, and overall health. With its affordable premium and flexible options, the Health Prime Rider is a handy addition to safeguard your family’s health at a reasonable price.
*Standard T&C Apply
*Tax benefits are subject to change in prevalent tax laws.
Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
Claims are subject to terms and conditions set forth under the Health Insurance policy.
