After retirement, it is almost given that people include either some extra coverage in their existing insurance plan or get a new one with adequate coverage. But getting a new one could be expensive. Rather, one can consider adding a few extra insurance riders to their existing insurance plans as a way to enhance coverage. So, here are three such insurance add-ons that senior citizens can add after retirement.

Critical Illness: Age can bring a lot of critical, sudden, and emergent illnesses, which should be adequately covered before they afflict an individual. A critical illness cover will help cover any treatment or other costs associated with the critical illness through a lump sum amount, covering diagnostic and other costs.

Illnesses such as diabetes, arthritis, or any such life-altering disease need to be covered because they require expensive medical care in the form of surgeries, treatments, and medications, which can rather quickly drain your resources, something which you would not want in your old age.

Also Read: 3 Health Insurance Mistakes That Every Retiree Should Try To Avoid

Personal Accident Coverage: A minimal slip from the stairs or in the shower can lead to major and expensive surgeries that may have a long recovery time, while still not guaranteeing full mobility. Aftercare, physical therapy, and assistive devices, such as a walking cane and wheelchair can add to your financial burden, too.

This rider primarily covers three things – accidental injury, death, or permanent disability.

Accidents are unpredictable and can cause a big inconvenience, particularly for retired senior citizens as the cash influx is minimal to none. In such cases, it is helpful to be prepared for these unpredictable situations before they occur.

OPD Care: Outpatient department care, consultancy, and routine monthly or quarterly check-ups are important for senior citizens in order to lead a normal healthy life and catch any disease early on when it can still be treated. It is suggested to include this rider in your insurance policy as the cost of the consultation fee, diagnosis, and treatment as an outpatient are commonly high and not an uncommon occurrence among senior citizens.

Adding this rider to your insurance policy will help you cover your medical expenses as your immune system starts weakening with age and you require more frequent visits to the hospital or to your doctor. Avoiding check-ups is not an option and it is better to err on the side of caution and get this rider included in your existing insurance plan.

For better and well-rounded care it is important that you add useful riders to your existing insurance policy which are appropriate for your age.