Health Insurance in Varanasi – All You Need To Know

Read on to know the things to keep in mind when buying health insurance in Varanasi.
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3 min
15-June-2024

Varanasi, renowned for its spiritual heritage and vibrant culture, is also experiencing significant urban development and lifestyle changes. With these shifts comes an increased need for a robust healthcare system supported by comprehensive health insurance. This article explores the importance of health insurance in Varanasi, providing valuable insights on how residents can effectively secure their financial health and access quality medical care.

Health statistics of Varanasi

Varanasi's health statistics provide a clear view of its current healthcare landscape. As the city’s population continues to grow, the demand for medical services, from preventive care to treatment for critical illnesses, is on the rise. Recent data highlights an increase in lifestyle-related diseases, underscoring the need for comprehensive health insurance. In this context, health insurance in Varanasi is not just an option but a crucial necessity, ensuring residents have access to essential medical care and financial protection.

Why do you need health insurance in Varanasi?

Given the rising healthcare costs and prevalence of diseases in Varanasi, health insurance serves as a crucial safeguard, ensuring access to high-quality medical care without financial strain. It covers a range of expenses, including hospitalisation, surgeries, and post-treatment care, thereby alleviating the financial burden on families.

In Varanasi, access to quality healthcare services may not always be affordable for everyone. During medical emergencies, timely and top-tier assistance can be life-saving. Therefore, considering Varanasi’s health statistics, it is prudent to invest in a health insurance plan that provides coverage for unexpected medical expenses. Purchasing a plan online is convenient as it allows you to review policy details, compare different options, and select the most suitable one for your needs.

Bajaj Finance Insurance Mall stands out as an excellent platform for individuals seeking to purchase health insurance policies in India. The platform features a variety of plans from leading insurers across the country, enabling you to assess coverage options and choose a plan that aligns best with your requirements. Given below are the benefits of buying health insurance in Varanasi:

1. Lifestyle diseases

The rising incidence of lifestyle diseases such as diabetes, hypertension, and heart conditions in Varanasi underscores the need for health insurance in Varanasi. This coverage helps manage medical expenses for regular check-ups and treatments.

2. Mental health issues

Mental health issues are increasingly recognised in Varanasi, making it vital to have health insurance in Varanasi that covers psychological consultations and therapy, ensuring access to essential mental healthcare services.

3. Get quality medical facilities

With access to top hospitals and clinics, health insurance in Varanasi ensures you receive quality medical care without worrying about high costs. It provides peace of mind in times of medical emergencies.

4. Avail cashless treatment in Varanasi

Health insurance in Varanasi allows you to avail of cashless treatment at network hospitals, eliminating the need for upfront payments and simplifying the hospitalisation process, especially in emergencies.

Key features and benefits of buying health insurance in Varanasi

When considering the purchase of health insurance in Varanasi, it's important to understand several key features and benefits. One significant advantage is access to a broad network of cashless hospitals, facilitating prompt medical treatment and emergency care without immediate cash payments. If you opt for a policy from Bajaj Finance, you can utilise their hospital locator tool to find nearby network hospitals.

Health insurance also provides financial security by covering various medical expenses, shielding policyholders from the high costs associated with healthcare. This coverage typically includes pre- and post-hospitalisation expenses, specific diseases and treatments following a waiting period, daycare procedures, and more.

Another substantial benefit of health insurance is potential tax savings. According to section 80D of the Income Tax Act, policyholders can avail tax benefits, offering a financial incentive to invest in health coverage. Additionally, health insurance ensures lifetime protection with options for lifelong renewability, enabling policyholders to renew coverage indefinitely and maintain continuous protection against escalating healthcare expenses.

Moreover, health insurance plans in Varanasi are tailored to meet diverse individual and familial needs, offering comprehensive and customisable options. These plans may include additional coverage such as maternity benefits, newborn care, AYUSH treatments, and other specialized services, ensuring a wide range of healthcare needs are addressed.

In summary, health insurance in Varanasi serves as a crucial safety net, providing both financial stability and peace of mind by ensuring access to quality healthcare services without imposing significant financial strain.

Read more: Benefits of health insurance

What are major health problems in Varanasi?

Varanasi faces several significant health challenges due to lifestyle changes, environmental factors, and inadequate healthcare awareness. Understanding these issues can help in managing and preventing health problems effectively.

1. Diabetes

Diabetes is a prevalent concern in Varanasi, largely due to sedentary lifestyles and poor dietary habits. Regular monitoring and proper management through health insurance in Varanasi are crucial to prevent complications.

2. Mental health issues

The incidence of mental disorders is rising in Varanasi, with stress, anxiety, and depression becoming increasingly common. Access to mental health services through health insurance in Varanasi is essential for timely treatment.

3. Obesity

Obesity is a growing problem in Varanasi, contributing to various other health issues like diabetes and heart disease. Health insurance in Varanasi can cover the costs of weight management programs and related medical care.

4. Hypertension

Hypertension, often linked to stress and unhealthy lifestyles, is a major health issue in Varanasi. Comprehensive health insurance in Varanasi can assist in managing this condition through regular check-ups and medication.

5. Respiratory illnesses

Varanasi's air quality issues contribute to a high prevalence of respiratory illnesses like asthma and chronic bronchitis. Health insurance in Varanasi ensures access to necessary treatments and medications for these conditions.

Pro Tip

Avail hospitalisation and treatment benefits with health insurance plans starting at just Rs. 15*/day.

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How to buy health insurance in Varanasi?

There are certain generic steps that one needs to follow to buy health insurance in Varanasi:

  • Assess your needs: Consider your and your family's health needs.
  • Compare plans: Use online comparison tools to evaluate different policies.
  • Check network hospitals: Ensure there are network hospitals near you.
  • Understand the coverage: Know what is and isn't covered.
  • Apply: Fill out the application form and submit the required documents.

If you buy the plans from Bajaj Finance, then you can follow the steps given below to complete the registration process:

  • 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: How to renew health insurance online?

How much health insurance coverage is needed for Varanasi residents?

When determining the right amount of medical insurance in Varanasi, residents should consider various factors, including healthcare costs, the prevalence of chronic diseases, and potential medical emergencies. Given the rising costs of treatments and hospitalisation, a minimum coverage of Rs. 10-12 lakh is advisable. This ensures that you and your family are well-protected against the financial burden of medical expenses. Additionally, it's wise to choose a policy that offers cashless treatment at top hospitals in Varanasi, further enhancing your healthcare security.

Inclusions and exclusions under health insurance

Though the coverage for each plan varies, there are a few common inclusions and exclusions under each scheme. Given below are the same:

What is covered in health insurance in Varanasi?

  • Hospitalisation expenses, including room rent, surgery charges, and doctor consultations.
  • Pre- and post-hospitalisation expenses.
  • Daycare procedures and diagnostic tests.

What is not covered in health insurance in Varanasi?

  • Pre-existing conditions (until the waiting period expires).
  • Cosmetic surgeries.
  • Self-inflicted injuries.

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

While government health insurance schemes provide basic coverage, they often fall short when it comes to comprehensive care, especially for serious illnesses or long-term treatments. For better protection and peace of mind, opting for the best health insurance in Varanasi is advisable. Private insurance plans offer extensive coverage, including hospitalisation, specialist consultations, and cashless treatment options at top hospitals, ensuring that you are fully prepared for any medical emergency.

Coverage type

Government Insurance

Health Insurance in Varanasi

Hospitalisation costs

Limited

Extensive

Specialist consultations

Basic

Comprehensive

Cashless treatment

Limited

Widely available

Coverage for chronic diseases

Restricted

Broad

Network hospitals

Limited

Extensive

 

Health insurance for NRIs in Varanasi

For NRIs returning to or residing in Varanasi, securing the best medical insurance in Varanasi is essential. While NRIs may be accustomed to healthcare systems abroad, local medical expenses can be unpredictable. The best medical insurance plans provide comprehensive coverage, including cashless treatment and access to top-tier hospitals, ensuring that NRIs are well-protected against medical emergencies and the high cost of treatments. These plans also offer the flexibility to cater to unique needs specific to NRIs.

Also, read: Senior Citizens Health Insurance

Health and prevention tips in Varanasi

Living in Varanasi, it's essential to prioritise your health by adopting preventive measures such as regular exercise, a balanced diet, and routine medical check-ups. Considering the rising prevalence of lifestyle diseases, choosing the best health insurance in Varanasi is crucial for safeguarding your health. A comprehensive health insurance plan provides coverage for preventive screenings, consultations, and treatments, ensuring you stay proactive about your well-being and have access to quality healthcare services when needed.

Things to remember when buying health insurance in Varanasi

When considering the purchase of health insurance plans in Varanasi, it's important to keep several factors in mind. Here are key considerations:

  • Evaluate your healthcare needs and financial capabilities.
  • Research different insurance providers and policy options.
  • Verify the network of hospitals to ensure convenient access to healthcare services.
  • Understand coverage limits, exclusions, and waiting periods associated with the policy.
  • Compare premiums, deductibles, and co-payment requirements.
  • Explore additional benefits such as coverage for critical illnesses.
  • Examine the claim settlement procedure and read customer reviews for insights.
  • Check renewal terms and coverage for pre-existing conditions.
  • Ensure clarity and transparency in policy documents and terms.

Health insurance in Varanasi plays a critical role in managing the escalating costs of healthcare while guaranteeing access to quality medical treatment. By selecting an appropriate plan thoughtfully, individuals can safeguard themselves and their families against unexpected medical expenses.

Also check

Health insurance in Agra

Health insurance in Jaipur

Health insurance in Delhi

Health insurance in Hyderabad

Health insurance in Cochin

Health insurance in Bangalore

Frequently asked questions

What types of health insurance are available in Varanasi?
Various types of health insurance are available including individual health insurance, family floater insurance, senior citizen health insurance, group health insurance provided by employers, and specific disease health insurance. The choice depends on your personal requirements and circumstances.
Does the cost of health insurance in Varanasi depend on age?
Yes, the cost of health insurance typically increases with age, as older individuals are more likely to require medical treatment. Other factors that impact an individual’s premium include lifestyle habits such as drinking and smoking, as well as pre-existing medical conditions.
Are pre-existing medical conditions covered?
Most health insurance policies in Varanasi do cover pre-existing medical conditions but usually after a waiting period, which may differ among various insurance companies. Make sure to read the terms and conditions related to pre-existing medical conditions in your policy document.
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*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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