Basic health insurance is a great starting point, but it often doesn’t cover everything you might need, especially when it comes to preventive care, wellness support, and non-hospitalisation costs like consultations and diagnostic tests.
This is where, the Health Prime Rider from Bajaj Allianz General Insurance Company comes in. It enhances your existing health plan by offering extra benefits such as regular health check-ups, teleconsultations, and wellness services, all without requiring a separate policy. It’s a simple way to ensure you’re fully covered for both unexpected health issues and everyday wellness needs.
Understanding the Health Prime Rider
The Health Prime Rider is an optional add-on available with selected health and personal accident plans. It offers additional coverage benefits like 24×7 access to teleconsultations, doctor-prescribed investigations, preventive health check-ups, and access to fitness and wellness services. Available on both individual and family floater bases, it’s an affordable way to boost your existing health plan without a huge increase in premiums.
1. Use Unlimited Tele-Consultations
One of the standout benefits of the Health Prime Rider is the convenient 24×7 access to teleconsultations with qualified doctors. You can connect with medical practitioners via video, audio, or chat anytime, anywhere. This service provides you with timely medical advice, eliminating the need for travel, ideal for emergencies or follow-up care. Be sure to check your plan details for any consultation limits, ensuring you make the most of this valuable benefit.
2. Avail Doctor-Prescribed Investigations
If your doctor prescribes pathology or radiology tests, the rider helps cover these expenses. You can get the tests done at prescribed network centres, or outside, up to the specified limit. This means you won’t have to delay important diagnostic procedures due to cost concerns.
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3. Get Preventive Health Check-Ups
Prevention is always better than cure. With this rider, you can access preventive health check-ups once every policy year. These check-ups include essential screenings like liver and kidney function tests, thyroid tests, lipid profiles, diabetic profiles, and more. Early detection of health issues can help you take corrective steps before they become serious.
4. Don’t Miss the Dental Wellness Benefits
The Health Prime Rider includes dental consultations, fillings, X-rays, root canal treatments, extractions, and crown restorations. This means you can take care of your oral health without worrying about additional out-of-pocket expenses.
5. Prioritise Mental and Emotional Wellness
Your health is not just physical, it’s mental too. This rider gives you access to psychologists for counseling sessions. Whether you need help managing stress, anxiety, or other emotional concerns, you can get professional support without extra charges.
6. Focus on Diet and Nutrition
Good nutrition plays a significant role in maintaining long-term health. The rider includes consultations with certified dieticians and nutritionists. You can get personalised diet plans and advice to improve your eating habits, whether your goal is weight management, recovery from illness, or simply leading a healthier lifestyle.
7. Stay Fit with Physical Fitness Coverage
The rider offers access to fitness facilities in network gymnasiums. You can enjoy up to 365 sessions a year, one session per day. This makes it easier to stay consistent with your fitness routine without incurring high membership costs.
8. Take Advantage of Online Savings
The Health Prime Rider provides cost-saving benefits such as family savings for individual policies, savings for choosing 2- or 3-year policy tenures, and online savings when no commission is paid.
9. Understand Waiting Periods and Eligibility
The age eligibility for this rider depends on your base policy, and the policy tenure matches your base plan as well. There’s a 30-day waiting period for all covers, and pre-existing disease waiting periods apply as per the base policy. Knowing these timelines ensures you plan your usage accordingly.
10. Keep Costs Affordable
Premiums for the rider start at just INR 117 for individual coverage, though they may vary depending on your specific health conditions and coverage needs.
How to Add the Health Prime Rider to Your Policy?
To enjoy these benefits, you can add the rider while you buy health insurance or during your policy renewal. Always review the rider options and premium costs, and match them with your healthcare needs. If you have a family floater policy, this rider can be a smart way to extend wellness benefits to all members at a reasonable cost.
Maximising the Rider for Long-Term Health
To truly get the most from your Health Prime Rider, make it a habit to use the preventive check-ups annually, take teleconsultations for quick advice, and schedule regular dental and nutrition consultations. Use the fitness facilities and wellness benefits consistently to maintain a healthy lifestyle. The idea is to treat the rider not just as extra insurance coverage but as a complete wellness solution.
By integrating these services into your regular healthcare routine, you reduce your chances of major health issues, improve your quality of life, and get better value for the premium you pay.
Conclusion
A standard health plan offers excellent financial protection during medical emergencies, but with the health prime rider, you can take your coverage to the next level. It’s not just about covering illnesses, it’s about promoting overall wellness, preventing future problems, and making healthcare more accessible and affordable. When you buy health insurance, consider adding this rider to enjoy a more comprehensive and proactive approach to your well-being. With Bajaj Allianz General Insurance Company, you can take confident steps towards a healthier, happier future.