Health Insurance in Delhi

Know everything about health insurance plans in Delhi, from features and benefits to buy and claim process.
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3 min
15-March-2024

Health concerns in Delhi have seen a significant rise due to various factors, including pollution, lifestyle changes. With its diverse population and fast-paced lifestyle, Delhi faces unique health challenges that underscore the importance of being financially prepared for medical emergencies. Medical insurance serves as a crucial buffer, offering peace of mind and security against unforeseen health issues. Bajaj Finance partnered with leading insurers offers a wide range of health insurance plans. This article provides a thorough understanding of health insurance in Delhi, from statistical health data to essential tips on choosing the suitable policy.

Health statistics of Delhi

Delhi's health scenario presents a mixed bag of burgeoning lifestyle diseases alongside traditional health concerns. The prevalence of respiratory issues, cardiovascular diseases, and diabetes is notably higher, attributed largely to air pollution and stress. These statistics highlight the urgent need for comprehensive health coverage. Nevertheless, due to the advent of digitalisation, purchasing health insurance policies has become more convenient. Companies such as Bajaj Finance provide a comprehensive platform enabling individuals to compare and buy health insurance policies from multiple insurers. Continue reading to discover the characteristics and advantages, as well as the process of acquiring these policies online.

Key features and benefits of buying health insurance in Delhi

Health insurance in Delhi comes with several key features and benefits:

  • Coverage for a wide range of medical expenses, including hospitalisation, pre-and post-hospitalisation charges, and more.
  • Cashless treatment at network hospitals, easing the financial strain during emergencies.
  • Tax benefits under Section 80D of the Income Tax Act, promoting a culture of saving.
  • Add-on covers for critical illness, maternity benefits, and more, providing a comprehensive safety net.

Why do you need health insurance in Delhi?

The escalating health insurance company in Delhi makes health insurance not just beneficial but essential. Health insurance ensures that medical emergencies do not translate into financial crises, securing your health and savings.

You can also find health insurance agents in Delhi. However, most insurance companies provide health insurance policies online. You can simply go on to their website and look for the health insurance you desire to buy. Besides, you can also go on Bajaj Finance Insurance Mall and explore health insurance policies offered by multiple insurance companies at one place. Compare and buy health insurance based on your budget and requirement.

How to buy health insurance in Delhi?

Purchasing health insurance in Delhi is a straightforward process:

  • Assess your healthcare needs to determine the coverage amount and type of insurance.
  • Compare policies from different insurers online, focusing on features, benefits, premiums, and exclusions.
  • Check the insurer’s network of hospitals in Delhi for ease of cashless treatment.
  • Read the policy terms carefully before making a decision.

To buy health insurance plans through Bajaj Finance Insurance Mall, follow the below guide.

A step-by-step guide to buying health insurance online from Bajaj Finance

Here are the steps to buy health insurance through Bajaj Finance Insurance Mall.

  • Step 1: Click on ‘Get Quote’ to open our online application form.
  • Step 2: Fill in the application form with some basic details of the insured/proposer. Fill in the name, gender, mobile number, date of birth, and residential PIN code.
  • Step 3: Now click on ‘Get Quote’ to proceed.
  • Step 4: From the list of policies shown, choose any comprehensive health insurance by clicking on ‘Buy Now’.
  • Step 5: Select the policy term and premium amount.
  • Step 6: Enter your email ID and check if all personal details shown are correct. Click on ‘Next’ to proceed.
  • Step 7: Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
  • Step 8: Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
  • Step 9: Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
  • Step 10: Make the payment through net banking, UPI, debit, or credit card to buy the policy.

Also, check how to renew your health insurance policy.

What is covered in health insurance in Delhi?

Health insurance plans in Delhi cover:

  • Hospitalisation costs, such as room charges, doctor's fees, and nursing expenses.
  • Pre-and post-hospitalisation expenses, covering diagnostic tests, consultations, and medications.
  • Daycare procedures that do not require overnight stays in the hospital.
  • Domiciliary treatment, which allows medical care at home for certain conditions.
  • Ambulance charges for emergency transportation to the hospital.
  • Organ donor expenses, including surgery and post-operative care related to organ transplantation.
  • Some policies may also offer coverage for outpatient treatments, maternity care, and specific critical illnesses.

What is not covered in health insurance in Delhi?

Here are some common exclusions of health insurance plans:

  • Pre-existing diseases (with a waiting period)
  • Cosmetic surgeries
  • Self-inflicted injuries or substance abuse
  • Injuries due to participation in adventure sports and activities

How to claim health insurance in Delhi?

When it comes to claiming health insurance, there are two main ways to do it:

Cashless claims:

  • Give your insurer a heads-up in advance if you are going to be hospitalised. You need to notify the insurers at a specified time stated in your policy for planned or emergency hospitalisation.
  • Choose a network hospital of the insurer for the treatment.
  • You only need to fill a pre-authorised form at the hospital insurance desk or download online from the insurer’s official website. Show your ID proof and health card, if any, at the hospital insurance desk.
  • The hospital will contact the insurer for the rest of the formalities.
  • The insurer will verify the claim documents and give the go-ahead for cashless treatment directly to the hospital. The insurer will settle bills directly with the network hospital.

Reimbursement claims:

  • If you choose to get treated at your preferred hospital, in such a case, you can claim for medical reimbursement.
  • Pay the bill for your medical expenses and keep all your receipts and reports carefully.
  • Inform your insurer about the treatment and costs you have incurred.
  • Fill out the reimbursement claim form and attach all your original bills and documents.
  • Your insurer will review your claim and give the nod for reimbursement according to your policy.
  • Once approved, your insurer will refund you for the eligible expenses.

Factors to remember to choose the best health insurance in Delhi

Here are some factors you must keep in mind to ensure you choose the right health insurance policy.

  • Evaluate the extent of coverage for hospitalisation, surgeries, pre-existing conditions, and critical illnesses.
  • Check the list of insurer's network hospitals for convenient access to cashless treatment.
  • Compare the premiums and deductibles to strike a balance between affordability and coverage benefits.
  • Assess the ease and efficiency of filing claims, including cashless facility availability and reimbursement timelines.
  • Look for add-on benefits like wellness programs, preventive care, and maternity coverage.
  • Check the waiting periods for pre-existing conditions, maternity benefits, and specific treatments.
  • Certain policies offer lifelong renewability. Consider the maximum renewal age.
  • Read the policy exclusions carefully to avoid surprises during claim settlement.
  • Research the insurer's reputation for prompt customer service and claims settlement.

Conclusion

Health insurance in Delhi is not just a financial tool but a necessity in the face of rising medical costs and health challenges. By carefully evaluating your needs and the available options, you can secure a policy that offers peace of mind and ensures that you and your family are well protected against health uncertainties.

Also check

Health Insurance in Agra

Health Insurance in Jaipur

Health Insurance in Cochin

Frequently asked questions

What are the key benefits of health insurance in Delhi?

Health insurance in Delhi offers various benefits, including coverage for hospitalisation expenses, pre-and post-hospitalisation costs, day care procedures, and ambulance charges. It provides financial protection against unexpected medical expenses and ensures access to quality healthcare without straining your finances.

How do I choose the right medical insurance plan in Delhi?

To select the right medical insurance plan in Delhi, consider factors such as coverage scope, network hospitals, premiums, and claim process efficiency. Also, look for additional benefits like wellness programs, waiting periods, renewal age, customer service reputation, and reviews from other policyholders.

What factors should I consider when comparing health insurance companies in Delhi?

When comparing health insurance companies in Delhi, consider coverage comprehensiveness, network hospitals, and premiums. Also, consider the claim settlement ratio, customer service quality, ease of claim process, waiting periods, and policy exclusions.

Are there any exclusions I should be aware of in Delhi health insurance policies?

Yes, some common exclusions in Delhi health insurance policies include pre-existing conditions for a specific waiting period, certain treatments like cosmetic surgeries, alternative therapies, and specific illnesses not covered under the policy. It is essential to thoroughly read the policy documents to understand the exclusions and ensure you are adequately covered.

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third-party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.