
Health Insurance in Delhi
Health insurance is a medical insurance policy that gives financial coverage for medical expenses once the policyholder is hospitalized. Health insurance companies cover the insured with the ability of cashless hospitalization at a network hospital or offer a reimbursement for the incurred expenses in the case of a non-network hospital. Health insurance plans are the insurance plans that reimburse the policyholder for his or her medical expenses that include surgeries, treatments, hospitalization, and injuries. Health insurance plans also provide coverage for cashless hospitalization facility at network hospitals throughout the policy term. Buying a health insurance policy helps you defend your family’s future. To buy a health insurance policy, initial you would like to come to a decision that policy you’re planning to purchase. The insurance companies have a good range of insurance policies to cater to the needs of young, adults and senior citizens. Health insurance policies defend you from surprising and high medical expenses. Paying a nominal amount, you’ll avail comprehensive coverage on your medical desires. you’ll get pleasure from cashless hospitalization, medical aid, consultation, medical check-ups and hospital accommodation with the assistance of those policies.
Importance of Health Insurance in Delhi
Like all major cities in India, Delhi, the capital of India, is additionally extremely suffering from growing health complications caused because of air pollution and water pollution. respiratory issues, dengue fever, and protozoal infection area unit a number of the repeated health complaints experienced by the inhabitants of Delhi. At the same time, medical expenses increasing. People, in general, realize it exhausting to access cheap, prime quality health care. Consequently, the demand for health insurance has additionally increased.
How to Compare Health Insurance Plans
Before buying health insurance the points you should consider the features of the health insurance plan, the add on benefits offered by the insurance company, the sum insured under the policy and the number of the network of hospitals connected with the insurance company. Thus, always compare health insurance plans based on the following steps:
- Premium Vs Coverage: Assess if the cover and sum assured are suitable against the premium that you paid.
- Room Rent Limit: Be sure of the insurer’s network hospitals in your area. You can avail of cashless services only at these hospitals.
- Network Hospitals: Since hospital room rents vary, some insurance plans pay only a part of the actual rent. It’s always best to go for higher or no room-rent limit plans.
- Exclusions: Check what is permanently excluded and which treatments are possibly covered after waiting for a certain period.
Types of Health Insurance Plans in India
- Individual Health Insurance
- Family Floater Health Insurance
- Senior Citizen Health Insurance
- Critical Illness Health Insurance
- Maternity Health Insurance
- Group/Employee Health Insurance
- Preventive Healthcare
- Personal Accident Insurance
Features of Health Insurance Policies in Delhi
- Cashless Treatment
- Coverage of Pre and Post-Hospitalization expenses:
- Ambulance Fee
- No Claim Bonus
- Medical Check-Up
- · Room Rent in Your Health Insurance Sub-limits
Things to Check Before Health Insurance Plan
- Health insurance plan you are choosing
- Basic coverage under a health plan
- Claim Settlement Ratio of the company
- Premium they are offering
- Ask for the maximum renewal age
- Flexibility to increase the sum assured of a health plan
- Get hassle-free claim settlement
- Avail seamless cashless hospitalization
What Health Insurance Covers?
- In-patient Hospitalization
- Pre and post hospitalization expenses
- Day care procedures
- Domiciliary hospitalization charges
- Preventive healthcare as well as wellness
- Ambulance charges
- Health check-up
- AYUSH Treatment
- Vaccination in case of animal bite
What Health Insurance Not Cover?
- Claim raised within the 30 days period of the health insurance policy (except accidental case).
- Any sexually transmitted diseases.
- Any treatment related to fertility issues.
- Any treatment and expenses incurred due to routine medical check-ups.
- Any treatment/surgery is done for gender reassignments or gender change.
- Any treatment is undertaken abroad.
How to Calculate Your Health Insurance Premium Online?
Step 1: Select the health insurance option – individual, family floater, senior citizen
Step 2: Enter your mobile number
Step 3: Select members who need to be insured
Step 4: Select the sum insured
Step 5: Click on “get a quote” option to get the quote
Factors That Affect Your Health Insurance Premium
- Medical History
- Gender and Age
- Policy Term
- Type of Health Insurance Plan
- No-Claim-Discount
Documents Required for Health Insurance Claim Reimbursement
- Discharge card issued by the hospital.
- In-patient hospitalization bills signed by insured for authenticity.
- Doctors’ prescriptions and medical store bills.
- Claim-form with the insured’s signature on it.
- Valid investigation report.
- Consumables and disposables prescribed by the doctors with complete details.
- Bills of doctors’ consultation.
- Copies of the Insurance policy from the previous year and the current year/copy of ID Card of TPA.
- Any other document(s) asked by the TPA.
Health Insurance Companies in India
- Star Health and Allied Insurance Co. Ltd.
- Apollo Munich Health Insurance Co. Ltd.
- Max Bupa Health Insurance Co. Ltd.
- Aditya Birla Health Insurance Co. Limited
- Cigna TTK Health Insurance Co. Ltd.
- Religare Health insurance Co. Ltd.
- National Insurance Co. Ltd.
- The New India Assurance Co. Ltd.
- The Oriental Insurance Co. Ltd.
- United India Insurance Co. Ltd.
- Acko General Insurance Ltd.
- Bajaj Allianz General Insurance Co. Ltd.
- Bharti AXA General Insurance Co. Ltd.
- Cholamandalam MS General Insurance Co. Ltd.
- DHFL General Insurance Limited
- Edelweiss General Insurance Company Limited
- Future Generali India Insurance Co. Ltd.
- Go Digit General Insurance Limited
- HDFC ERGO General Insurance Co. Ltd.
- L&T General Insurance Co. Ltd.
- ICICI Lombard general insurance Co. Ltd.
- IFFCO Tokio General Insurance Co. Ltd.
- Kotak Mahindra general insurance Co. Ltd.
- Liberty general insurance Co. Ltd.
- Magma HDI General Insurance Co. Ltd.
- Raheja QBE General Insurance Co. Ltd.
- Reliance General Insurance Co. Ltd.
- Royal Sundaram General Insurance Co. Ltd.
- SBI General Insurance Co. Ltd.
- Shriram General Insurance Co. Ltd.
- Tata AIG General Insurance Co. Ltd.
- Universal Sompo General Insurance Co. Ltd.