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Covers delivery costs (normal & C-section), pre-natal care, and newborn treatment. Most plans have a 9-month to 2-year waiting period.

Many plans cap hospital rooms at ₹1,000–₹3,000/day. Choosing a better room reduces your entire claim — including doctor fees. This add-on removes that cap completely.

Standard plans only cover hospital stays. OPD cover pays for doctor consultations, diagnostic tests, and medicines outside the hospital — expenses you have every month.

Get ₹500–₹5,000 cash per day while admitted. This is paid on top of your regular claim — use it for food, transport, or home help. Every day in hospital has hidden costs.

Extends your health cover for emergency hospitalisation anywhere in the world. If you travel frequently or want the option of treatment abroad, this is essential.

Covers dental treatment (fillings, extractions, root canals) and eye care (spectacles, lenses, eye surgery) — expenses that virtually all standard health plans exclude by default.

Road and air ambulance costs covered in full. A road ambulance costs ₹2,000–₹5,000. An air ambulance can cost lakhs. Never avoid calling one because of the bill.

During any hospital stay, doctors use disposable items — syringes, gloves, PPE kits, bandages, and catheters. These can add ₹5,000–₹20,000 to your bill. Standard policies don't cover them. This add-on does.

Covers inpatient treatment under Ayurveda, Yoga, Unani, Siddha and Homeopathy. Many families prefer traditional medicine — this add-on ensures you're not out of pocket when you choose it.

Accidental death or permanent disability pays a fixed lump sum directly to you or your family — separate from any hospital treatment claim. A financial safety net for life's worst moments.

If your car is stolen or totally destroyed, standard insurance pays today's market value — always lower than what you paid. RTI gives you the original invoice price instead.

Standard policies don't cover engine damage from waterlogging or oil leakage. Repairing or replacing an engine costs ₹50,000–₹3 lakhs — one of the most expensive car repairs.

Made one claim? Normally your No-Claim Bonus resets to zero and your renewal premium jumps. NCB Protector lets you make one claim while keeping your accumulated discount intact.

Every repair uses nuts, bolts, engine oil, coolant, and small parts. Standard policies don't pay for these — the garage bills you separately. This add-on covers them all.

Modern smart keys and key fobs cost ₹5,000–₹30,000 to replace and reprogram. If you lose your keys or they're stolen, this add-on covers the full replacement and lock-change cost.

Standard policies don't cover tyre bursts, flat tyres, or sidewall damage unless caused directly by an accident. Tyre replacement on Indian roads is a common, costly surprise.

If you're injured, permanently disabled, or killed in a car accident, a fixed compensation is paid — regardless of whose fault it was. IRDAI now mandates a minimum ₹15 lakh PA cover for every owner-driver.

The basic Personal Accident cover only protects the owner-driver. Passenger cover extends the same accident protection to all passengers in your car — compensation for injury, disability, or death.

If your car breaks down far from home and repairs take over 24 hours, this add-on covers your hotel stay and travel back home. Particularly useful for highway and outstation travel.

When your car is at a network garage for repairs after an accident, you get a fixed daily cash allowance — typically ₹500–₹1,500/day — to cover taxi or transport costs while you wait.