Health Insurance in Meerut – All You Need To Know

Read on to know the things to keep in mind when buying health insurance in Meerut.
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3 min
24-September-2024

In today's fast-paced world, securing your health and financial well-being with a robust health insurance plan is more crucial than ever. Meerut, a vibrant city known for its historical significance and dynamic culture, is no exception. With evolving healthcare needs and rising medical costs, understanding and choosing the right health insurance in Meerut is essential for safeguarding your and your family's health.

Recent health surveys reveal a high incidence of lifestyle diseases such as diabetes, hypertension, and respiratory disorders among its residents. Additionally, the city reports a significant number of dengue and malaria cases annually, underlining the need for comprehensive healthcare coverage.

Health statistics of Meerut

Meerut, a bustling city in Uttar Pradesh, grapples with various health challenges reflected in its health statistics. Common issues include high incidences of respiratory ailments due to pollution, and an uptick in lifestyle diseases like diabetes and hypertension. Accessing adequate healthcare through robust medical insurance in Meerut is crucial for residents to manage these health concerns effectively and ensure timely medical interventions.

What are the major health problems in Meerut?

Meerut, a bustling city in Uttar Pradesh, grapples with several significant health challenges. High levels of air pollution contribute to respiratory issues such as asthma and bronchitis among its residents. Lifestyle diseases like diabetes and hypertension are prevalent due to sedentary lifestyles and dietary habits. Securing adequate health insurance in Meerut is crucial to ensure residents have access to quality healthcare services without financial strain, addressing these prevalent health concerns effectively.Discussed below are a few major health problems in Meerut:

1. Diabetes

Diabetes is a major concern in Meerut due to unhealthy lifestyle choices. Health insurance in Meerut is essential for covering ongoing diabetes management, including medication, regular check-ups, and potential complications.

2. Mental disorders

Mental disorders such as anxiety and depression are increasingly prevalent in Meerut. Health insurance in Meerut provides coverage for mental health services, including therapy and medications, ensuring comprehensive care and support.

3. Obesity

Obesity is on the rise in Meerut, often leading to other health issues like heart disease. Health insurance in Meerut helps manage obesity-related treatments and lifestyle interventions, reducing long-term health risks.

4. Hypertension

Hypertension affects many residents in Meerut, often linked to stress and poor diet. Health insurance in Meerut covers essential treatments and medications, helping manage blood pressure and prevent complications.

5. Respiratory illnesses

Respiratory illnesses, including asthma and chronic bronchitis, are common in Meerut due to pollution. Health insurance in Meerut covers treatments, medications, and hospitalisations, ensuring effective management of respiratory conditions.

Also read: ABHA card registration

Key features and benefits of buying health insurance in Meerut

Buying health insurance in Meerut, like in any other city, offers a range of key features and benefits that provide financial security and peace of mind for individuals and families. Here's a descriptive overview:

Comprehensive coverage:

Health insurance plans in Meerut typically offer comprehensive coverage for various medical expenses, including hospitalisation, doctor's fees, diagnostic tests.

Cashless treatment:

Many health insurance providers in Meerut have tie-ups with network hospitals, allowing policyholders to avail cashless treatment, medication costs, and more.

Customised plans:

Insurance companies offer a range of health insurance plans in Meerut tailored to meet the diverse needs of individuals and families.

Preventive healthcare benefits:

Some health insurance plans offer additional benefits such as coverage for healthcare services like preventive health check-ups, vaccinations, and wellness programs.

Tax benefits:

Premiums paid towards health insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act, providing policyholders with tax benefits.

No Claim Bonus (NCB):

Insurers often offer a no claim bonus to policyholders who do not make any claims during a policy year.

Purchasing health insurance in Meerut provides individuals and families with comprehensive coverage, financial protection, and peace of mind in the face of medical emergencies.

Explore more: No Claim Bonus (NCB) in health insurance

Why do you need health insurance in Meerut?

Living in Meerut exposes residents to a mix of urban lifestyle diseases and seasonal health risks like dengue and malaria, common in this region. The cost of healthcare is steadily rising, and an unexpected medical emergency can put significant financial strain on families. Health insurance acts as a safety net, ensuring that high-quality medical care is accessible without depleting one’s savings.Given below are a few points emphasizing on the importance of health insurance in Meerut:

1. Prevalence of lifestyle diseases

With the increasing prevalence of lifestyle diseases like diabetes and hypertension in Meerut, health insurance in Meerut is essential. It ensures financial coverage for managing these chronic conditions and accessing necessary treatments.

2. Mental disorders are a big concern

Mental health issues are becoming more common in Meerut, with treatment often being costly. Health insurance in Meerut provides coverage for mental health services, ensuring that individuals receive appropriate care without financial stress.

3. Get quality medical facilities

Health insurance in Meerut guarantees access to high-quality medical facilities and advanced treatments. This coverage allows residents to receive top-notch healthcare services, enhancing their overall health and well-being.

4. Avail cashless treatment in Meerut

Health insurance in Meerut often includes cashless treatment options at network hospitals. This feature simplifies the payment process during medical emergencies, providing immediate care without the need for upfront payments.

Top pointers to check for the best health insurance in Meerut

Given below are a few important things to look out for before buying a health insurance plan in Meerut:

  • Coverage: Ensure it meets your healthcare needs.
  • Premiums vs. benefits: Look for a balanced policy that offers the best value.
  • Claim settlement ratio: Higher ratios indicate a reliable insurer.
  • Network hospitals: Check for a wide network of hospitals for ease of cashless transactions.
  • Customer support: Accessible and helpful customer service is crucial.

Also, check: Benefits of health insurance

How to buy health insurance in Meerut?

You can follow the steps given below when looking to buy health insurance in Meerut:

Assess your needs:

Consider your and your family’s health needs, including any pre-existing conditions.

Research:

Look into different insurance providers and the plans that are available in Meerut.

Compare policies:

Evaluate policies based on coverage, premium, exclusions, and network hospitals.

Read reviews:

Check customer feedback and claim settlement ratios of insurers.

Apply:

Once decided, you can apply online or contact the insurance company’s agent for assistance.

Given below are the steps to buy a health insurance plan offered through Bajaj Finance:

Step 1: Open our online application form.
Step 2: Fill in basic details, including name, gender, mobile number, date of birth, and PIN code for yourself or the person you want to insure.
Step 3: Click 'Get Quote' to continue.
Step 4: Choose your preferred Health Insurance plan from the displayed options by clicking 'Buy Now' under each plan. Customise the insured amount, policy term, and plan type to match your preferences.
Step 5: Depending on your chosen plan, you might be able to select the health policy term and premium amount.
Step 6: Provide your email ID and review all personal details for accuracy. Then, click 'Next' to continue.
Step 7: Fill in additional information such as height, weight, nationality, marital status, address, and nominee details (if needed).
Step 8: Answer health and lifestyle questions by selecting appropriate checkboxes. Click 'Next' to move forward.
Step 9: Double-check all previously entered details for accuracy. Then, click 'Proceed' to go to the payment page.
Step 10: Complete the payment using net banking, UPI, debit, or credit card to purchase the policy.

Also, check the process to renew health insurance policy in India.

How much health insurance coverage is needed for Meerut residents?

For Meerut residents, medical insurance coverage of Rs. 5 to 10 lakh is generally advisable. This range ensures adequate protection against the high costs of healthcare services, including hospitalisation, surgeries, and specialized treatments. With rising medical expenses and the prevalence of chronic conditions, having sufficient coverage through medical insurance in Meerut helps manage these costs effectively. It provides financial security and access to quality healthcare facilities, reducing the burden of out-of-pocket expenses during emergencies or prolonged treatments. Evaluating personal health needs and considering family size can further guide the appropriate coverage amount.

What is covered in health insurance in Meerut?

Health insurance in Meerut typically covers a range of medical expenses. This includes hospitalisation costs for illnesses and injuries, encompassing room charges, surgical procedures, and doctor consultations. Diagnostic tests and prescribed medications are also covered. Emergency ambulance services ensure timely transportation during critical situations. Outpatient services such as consultations and minor procedures are included. Maternity care, mental health services, and rehabilitation for injuries or chronic conditions are part of the coverage.

Preventive care like vaccinations and health screenings are often provided. Some policies may extend to alternative treatments, limited dental, and vision care. Home healthcare services and coverage for medical emergencies outside Meerut might also be included, subject to policy terms.

Also, read: Family Health Insurance Plans

What is not covered in health insurance in Meerut?

Certain medical expenses may not be covered by health insurance in Meerut. These exclusions typically include cosmetic procedures that are not medically necessary. Experimental treatments or those deemed not clinically proven may also be excluded. Expenses related to self-inflicted injuries or injuries resulting from illegal activities might not be covered. Additionally, non-emergency services obtained without prior authorisation may not be reimbursed.

Other exclusions can include fertility treatments, weight-loss surgeries, and elective procedures. Certain pre-existing conditions may have waiting periods or limited coverage. Finally, any treatment received outside the network or without proper documentation may not be covered by the insurance policy.

Is government health insurance enough to cover medical expenses in Meerut?

Government health insurance provides basic coverage but may not be sufficient for all medical expenses in Meerut, especially for specialised treatments or private hospital care. Opting for the best health insurance in Meerut offers higher coverage limits, access to a broader network of hospitals, and more comprehensive benefits, ensuring better financial protection.

Factors

Government Health Insurance

Private Health Insurance in Meerut

Coverage limit

Basic and limited

Higher coverage, up to Rs. 10 lakh or more

Hospital network

Limited to government hospitals

Extensive, including private hospitals

Treatment options

Basic treatments

Comprehensive, including advanced care

Out-of-pocket expenses

Higher

Lower, with cashless facilities

Pre-existing condition coverage

Limited and delayed

Covered after a waiting period


Health insurance in Meerut for NRIs

NRIs residing in or visiting Meerut need tailored health insurance solutions to cover medical expenses ranging from routine care to emergencies. Choosing the best health insurance policy in Meerut ensures that NRIs have access to comprehensive healthcare services, providing peace of mind and financial protection against unexpected medical costs.

Also, read: BMI Calculator

Health and prevention tips in Meerut

Maintaining good health in Meerut involves adopting a balanced diet, staying physically active, and taking preventive measures against common illnesses. To complement these efforts, securing the best health insurance in Meerut is crucial. It provides comprehensive coverage for medical expenses, including hospitalisation, treatments, and preventive care. Regular health check-ups, vaccination, and early detection of diseases can be managed effectively with appropriate insurance. This ensures financial protection and access to quality healthcare services, helping you stay healthy and well-prepared for any medical emergencies that may arise.

Choosing the right health insurance in Meerut is a critical decision that impacts your financial and health well-being. By carefully assessing your needs, comparing different plans, and understanding what is and isn’t covered, you can find a policy that best suits you and your family.

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Frequently asked questions

What are the key factors to consider when choosing health insurance in Meerut?
Consider coverage, premium, exclusions, network hospitals, claim settlement ratio, and customer service when choosing a health insurance provider in Meerut.
Is it mandatory to undergo medical check-ups for purchasing health insurance in Meerut?
It depends on the insurer and the policy; some might require it, especially for older applicants or those with high coverage amounts.
How do I know if a health insurance plan in Meerut covers pre-existing medical conditions?
You must read the policy terms carefully or consult with the insurance provider directly. Pre-existing conditions are usually covered after a specified waiting period.
Can I customise my health insurance plan in Meerut to suit my specific healthcare needs?
Yes, many insurers offer customisable plans where you can add or remove coverage options and choose the sum insured that suits your needs best.
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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.

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