Knowledge Centre
Call Icon
Need Help? Talk to our experts 022-62426242
No Cost Instalment Available on debit/credit cards
No Cost Installment*^ on debit/credit cards
15000+ˇ Cashless Healthcare Networkˇ
15000+ˇ Cashless

Healthcare Networkˇ

Home / Health Insurance / ABCD Add-on in Health Insurance

ABCD Add-on in Health Insurance

ABCD Add-on in Health Insurance

In recent years, India has witnessed a sudden spike in lifestyle diseases such as high blood pressure and diabetes. The surge is driven mainly due to sedentary lifestyles, dietary shifts, and rapid urbanisation. The growing number of patients has significantly strained healthcare infrastructure, resulting in medical inflation. If you don't have a financial backup, managing medical bills arising from the treatment of diabetes, asthma, and a few other diseases can be challenging. This is where the ABCD cover in health insurance comes in handy.

Optima Secure Global
Optima Secure bana global, toh behetar bana aur bhi behetar!!

Key Features of ABCD Add-on in Health Insurance

The notable characteristics of ABCD in health insurance are:

Waiting Period

Waiting Period

Medical expenses covered by this add-on are payable after a 30-day waiting period. If the base sum insured of the policy increases, a new 30-day initial waiting period will apply specifically to the increased portion of the base sum insured.

Individual Plan

Individual Plan

If the base policy provides coverage on an individual basis, each insured person will have a separate sum insured under the add-on. Similarly, if the base policy is on a multi-individual basis, multiple individuals will have separate coverage.

Family Floater

Family Floater

If the base policy operates on a family floater basis, where a single sum insured is shared among all insured members, the add-on coverage will also be shared accordingly. That means if any uses this rider, the coverage will be reduced by the amount used.

Geographical Limit

Geographical Limit

Whether the coverage under the ABCD add-on will be valid only in India or abroad too, will depend on the geographical limits defined in the policy wordings of the base plan..

Coverage

Coverage

This add-on does not have a separate sum insured. Any claims made under it will be deducted from the base policy’s sum insured, reducing the overall coverage available under the standard policy.

Benefits of ABCD in Health Insurance

The benefits of buying ABCD rider with your health insurance are:

1

Covers Asthma

As per the Global Asthma Report of 2022, over 35 million people in India have asthma. According to a survey report from 2018, the average cost of managing this condition is ₹18,737 a year, and if it worsens, hospitalisation expenses can drain your savings. The ABCD add-on supports financially by covering medical bills associated with asthma.

2

Covers Cholesterol

If you do not manage high cholesterol levels, it can result in plaque buildup in your arteries, obstructing blood flow. This situation can eventually lead to peripheral artery disease and a heart stroke. With ABCD, you receive coverage for medical bills arising from threatening cholesterol levels.

3

Covers Diabetes

According to the Lancet study in 2023, India has over 101 million diabetic cases and around 136 million pre-diabetic cases. Diabetes, if not managed, can lead to kidney diseases, nerve damage, foot problems, blood vessel issues, and eye damage. However, with ABCD cover in place, you get financial support to deal with hospitalisation bills arising out of this lifestyle disease.

4

Covers Blood Pressure

It compensates for the medical bills arising from hypertension (uncontrolled blood pressure), which can increase the risk of aneurysm, angina, vascular dementia, and various cardiovascular diseases.

How Does ABCD Cover Work in Health Insurance?

Trending Now!
How Does ABCD Cover Work in Health Insurance?

ABCD cover is an add-on to your base health insurance policy designed to cover chronic conditions like asthma, diabetes, blood pressure, and cholesterol. Here's how it works:
Suppose you have a base health insurance policy with HDFC Ergo and opt for the ABCD cover. One day, you experience complications due to diabetes and require hospitalisation. The ABCD cover steps in to cover the medical expenses related to this condition, as long as it aligns with the terms of your base policy. For instance, if your basic insurance has a sum insured of ₹5 lakhs, the expenses for your diabetes-related treatment will be deducted from this amount. However, note that the ABCD cover cannot be removed once opted for and renews automatically with your base policy.

Get hdfc ergo health insurance plan
Buying Optima Secure is now easier with our No cost installment*^ plans!

Who Should Consider the ABCD Add-on?

Getting the ABCD in health insurance is a must-have in the following scenarios:

• If you work in a toxic environment or have a demanding job with late hours. These factors put you at risk of lifestyle diseases.

• If you live in a city known for its high pollution levels that puts you at risk of asthma.

• If you have a family history of cardiovascular disease or diabetes.

• If you have poor dietary habits and do not engage in high-intensity activities at the same time.

How to Buy the ABCD Add-on?

Follow these quick steps to get the ABCD add-on today!

Step 1: Visit the HDFC Ergo official website.

Step 2: Go to the Health Insurance section and choose the base plan that fits your needs.

Step 3: Provide your basic and health-related details.

Step 4: Select the ‘ABCD Add-on’ and any other rider you wish to purchase.

Step 5: Pay the premium. We will send the soft copy of your application immediately to your registered email address.

Note: You can purchase the ABCD rider only at the time of base plan purchase or during renewal.

Conclusion

The ABCD cover in health insurance offers crucial financial support for managing lifestyle diseases like asthma, diabetes, high blood pressure, and cholesterol. As India faces rising medical costs, this add-on can alleviate the financial burden of hospitalisation and treatment.

buy a health insurance plan
Optima Secure won 'Product Innovator' of the year at the BFSI Leadership Awards 2022

15,000+
Cashless Network Across Indiaˇ

Find Your Nearest Cashless Networks

search-icon
ORLOCATE Hospital NEAR YOU
Find 15,000+ network hospitals across India
Jaslok Medical Centre
call
navigator

Address

C-1/15A Yamuna Vihar, Pincode-110053

Roopali Medical
Centre Private Limited
call
navigator

Address

C-1/15A Yamuna Vihar, Pincode-110053

Jaslok Medical Centre
call
navigator

Address

C-1/15A Yamuna Vihar, Pincode-110053

Health Insurance Reviews & Ratings

4.4/5 Stars
rating

Our customers have rated us

slider-right
quote-icons
male-face
FIRDOUSE BEGUM

MY: OPTIMA SECURE

23 Nov 2022

TELANGANA

I am very happy with HDFCERGO health insurance. Optima Secure is a really good product from HDFCERGO. This is my 2nd claim where I got 100% claim. I personally will recommend it to others. Thank you.

quote-icons
male-face
Nelson

Optima Secure

10 Jun 2022

Gujarat

Thanks for calling me. The customer care executive was very articulate and systematic about various products of HDFC Ergo Health Insurance. It was great talking to her.

quote-icons
male-face
A V Rammurty

Optima Secure

26 May 2022

Mumbai

Thanks for calling me and explaining to me in great detail the various features of Optima Secure and Energy Health Insurance Policies. The customer service executive was very articulate, systematic, and knowledgeable about various products of HDFC Ergo Health Insurance. It was great talking to him.

quote-icons
male-face
Aravinth Manoharan

Optima Secure

22 Mar 2022

Banglore

I would like to give a note of appreciation to your team member Jayalaxmi for her rigorous follow up, patience and taking time out to explain the policy in detail and for helping me in choosing the right plan suitable for me.Her assistance through out the process of policy availing is outstanding.

slider-left
Done Reading? Willing to explore "So Much " benefits

Read Latest Health Insurance Blogs

blogs slider right
Image

Optima Secure-Best Health Insurance Plan

READ MORE
Image

Key points to consider before buying health insurance?

READ MORE
Image

Why a health insurance plan with a wide sum insured amount is useful

READ MORE
Image

Why does your family need Optima Secure?

READ MORE
Image

How do the Secure Benefit and Protect Benefit offered by Optima Secure work?

READ MORE
Image

What are the unique benefits of buying Optima Secure

READ MORE
blogs slider left

Frequently Asked Questions

No, you can only purchase the rider if you have an active base health insurance policy. It cannot function as a standalone policy.

The sum insured for the ABCD add-on mirrors the base policy. It follows the same structure if the base policy is on an individual or multi-individual basis. Similarly, if the base policy is a family floater, the add-on also provides coverage on a family floater basis.

If the base sum insured increases, the additional amount will be subject to a fresh 30-day initial waiting period. However, the previously covered amount continues without any new waiting period.

The ABCD rider enhances coverage but follows the terms and conditions of the base policy. Any exclusions or limitations in the primary policy also apply to this add-on.

If the base policy is cancelled, the ABCD add-on coverage will also terminate, as it is linked to the primary insurance policy. Refunds, if any, will be as per policy terms.

Awards & Recognition

Image

BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)

ETBFSI Excellence Awards 2021

FICCI Insurance Industry
Awards September 2021

ICAI Awards 2015-16

SKOCH Order-of-Merit

Best Customer Experience
Award of the Year

ICAI Awards 2014-15

Image

CMS Outstanding Affiliate World-Class Service Award 2015

Image

iAAA rating

Image

ISO Certification

Image

Best Insurance Company in Private Sector - General 2014

Scroll Right
Scroll Left
View all awards