Buying Health Insurance riders, such as Health Shield 360, comes with several advantages that enhance the scope, flexibility, and value of your basic plan. These riders allow policyholders to create a customised, all-in-one health protection package tailored to their specific medical needs and lifestyles. Here are the key advantages of opting for riders like Health Shield 360:
Comprehensive coverage
Health Shield 360 bundles essential benefits, including coverage for non-medical expenses and medical equipment, into your existing Health Insurance Policy. This means fewer separate policies to manage and a single premium for broader protection.
Reduces out-of-pocket expenses
Riders like Health Shield 360 typically cover non-payable medical items, such as gloves, masks, surgical tape, and durable medical equipment, including oxygen cylinders and prosthetics. These often-overlooked expenses can significantly add up during hospitalisation. Riders help minimise such costs.
Upgrade to the room of your choice
Many basic Health Insurance Plans impose sub-limits on room rent, which results in proportionate claim deductions. A Health Shield 360 rider often waives this restriction. Health Insurance Riders provide access to a private room or ICU without caps. This is especially beneficial for those seeking treatment in premium hospitals.
Coverage of air ambulance
In medical emergencies, especially in areas lacking tertiary care hospitals, air ambulances can be lifesaving but prohibitively expensive. Riders like those in Health Shield 360 offer coverage for air ambulance costs. Air ambulance coverage ensures timely transfers to specialised care, potentially saving lives and reducing financial stress.
OPD coverage
One of the standout features of Health Shield 360 is the OPD rider, which provides cashless consultations, diagnostic tests, and prescription medicines. This is especially beneficial for individuals who have suffered personal injuries.
Sum Insured restoration
The sum restoration benefits are also accessible if you buy Health Shield 360. Unlike basic policies that limit restoration to once per year or for unrelated illnesses, Health Shield 360 offers 100% sum restoration. Sum restoration is available for donor expenses, pre-hospitalisation, post-hospitalisation, Ayush treatment, and more. This ensures continuous protection throughout the policy year.
Simplified claims
With all benefits consolidated into one policy, claims are easier to file and manage. This reduces the paperwork and follow-ups associated with maintaining multiple Insurance Plans or standalone riders.
Value for money
Buying a Health Insurance Rider, such as the Health Shield 360 Plan, is often more economical than buying several separate policies or high-tier plans. You get focused, high-utility benefits for a fraction of the upgrade cost.
Peace of mind
Knowing that you are covered not just for hospitalisation but also for OPD, diagnostics, equipment, and emergencies like air transport gives immense peace of mind. Riders like Health Shield 360 evolve with your needs, offering long-term value. You are free from the constant worry about expenses.
Conclusion
If you want complete health protection that adapts to your lifestyle and medical needs, riders like Health Shield 360 are a wise, future-ready investment.