Know Everything About Health Insurance in Hyderabad
As per a report of The Hindu, 50% population residing in old areas of Hyderabad are prone to chronic diseases, whereas the overall state condition with chronic diseases is 33%. Similarly, according to the report of The Times of India, there are approximately 10 Lakhs diabetic people and nearly 19.2 Lakhs have hypertension issues in Hyderabad, out of around 1.5 crore total population.
Hyderabad is known for its Nizami lifestyle but is it possible to stay healthy amid an environment where the air is barely clean to breathe, the food is inorganic, and the stress of corporate life?
Unfortunately, due to the rise in population and hectic lifestyles, there are more cases of diseases like hypertension, cancer, cardiac arrest, diabetes, and other chronic or contagious illnesses that are out of affordability. This is when Hyderabad’s best health insurance plans come into effect.
So, how to choose the best health insurance in Hyderabad India? Well, this article discusses the types of health insurance in Hyderabad, the benefits of buying it, and what it covers for you. Read this article further to learn more about health insurance in Hyderabad.
Why Do You Need Health Insurance in Hyderabad?
In this section, you’ll learn about why health insurance in Hyderabad is important for you:
Healthcare costs in Hyderabad are skyrocketing
Everyone needs to get preventive care
Quality and advanced healthcare procedures are expensive, much more than you think!
Your financial interests are saved
You can live with peace when safeguarded with health insurance
It’s a long-term health investment that yields maximum healthcare benefits
What are the Benefits of Health Insurance in Hyderabad?
Health insurance in Hyderabad offers wide coverage benefits to its policyholders, the standard benefits of which are:
Comprehensive coverage benefits
Health insurance in Hyderabad pays off for the policyholder’s pre & post-hospitalization, in-patient hospital care, medication and consultation expenses, senior citizen care, maternity and newborn cover, critical illness treatment costs, and so on.
Wide hospital network
The health insurance companies have a wide network of hospitals that will help you receive cashless treatment anywhere in Hyderabad.
Wellness focused coverage
The hustle and bustle of the city imposes pressure on maintaining the health of an individual, but having a specially curated health insurance policy will assist them further in staying healthy.
Specialized benefits for healthcare needs
If a person is suffering from a health condition such as diabetes, hypertension, or cancer, or if there’s a case of pregnancy, senior citizen healthcare, and so on, the health insurance in Hyderabad provides overall coverage to all.
Preventive health check-ups
It will help you diagnose illnesses or any expandable traces of health complications at an early stage so that the insured can be assured of overall well-being.
Cumulative bonus
For all the claim-free year/s of your health insurance, there will be an additional No-Claim Bonus (NCB) which will provide you a discount on payable premiums for the next policy tenure.
Tax benefits
Avail of tax exemption benefits under Section 80D of the Income Tax Act of 1961 against all the premiums paid in a financial year.
Things to Keep in Mind While Buying Health Insurance in Hyderabad
Are you here to buy health insurance in Hyderabad? Read these tips before buying it, so that you can get the maximum coverage benefits of the plan:
Assess your healthcare requirements based on age, gender, medical condition/s, etc to better compare different health plans
Choose a higher sum insured plan that covers maximum healthcare needs without paying anything in extra
Opt for a plan that has a low waiting period for hospitalization/specified illness/others
Read out the terms and conditions of your health insurance plan carefully to avoid future claim rejection
Make sure the health insurance plan has optional cover benefits or an availability of add-on cover
Check out the affordability of your plan, as some health insurance plans in Hyderabad offer maximum benefits at pocket-friendly premiums
Examine the rate and ease of claim settlement against the policy and customer assistance facility of the insurer
Compare multiple health insurance plans on a trusted platform like PolicyX.com to choose only the best health insurance in Hyderabad
Inclusion of Health Insurance in Hyderabad
Read below the inclusions (what’s covered) of health insurance in Hyderabad:
Medically necessary hospitalizations (pre and post, in-patient, and so on)
Daycare procedures
Preventive or annual health check-ups
Ambulance services
AYUSH treatment cover
Doctor’s consultation (if included in the plan)
Specific/critical illnesses (if the plan covers these conditions)
Exclusion of Health Insurance in Hyderabad
Cosmetic surgery
Bariatric surgery (unless specified in the plan), weight management/obesity control
Adventurous sports/risky/life-threatening actions
War or action of war with enemy/external bodies
Self-inflicted injuries
Congenital disorders/anomaly
Unlawful act/breach of law
Alcoholism, drug abuse, substance consumptions
An attempt to suicide, etc
How do I Claim My Health Insurance in Hyderabad?
To raise and get a claim settlement against your health insurance policy in Hyderabad, these are the steps that you must follow:
Cashless claim settlement
Step 1: Fill out the pre-authorization on the official website of the insurance company or at the TPA desk of the insurer’s networking hospital
Step 2: The insurer will approve your claim after verifying its legitimacy
Step 3: If the insurer finds the claim legit, they will settle the claim with the hospital administration directly
Step 4: In case, the claim is not found as per the policy’s terms and conditions, you can either raise a query with the insurance company or re-apply for reimbursement claim settlement
Reimbursement claim settlement
Step 1: Fill in the pre-authorization claim form and take along all the documents that are asked to be submitted
Step 2: The insurer will verify all the facts related to your medical claim and if the claimed subject aligns with your health policy’s terms and conditions, the claim procedure will be carried out further
Step 3: Answer effectively to the insurer about any query that they raise about your claim
Step 4: On detailed verification, the company will send you an approval
Step 5: In such condition, the policyholder needs to pay the medical bills upfront after which the insurer will reimburse the paid expenses into the policyholder’s account
Documents to be Submitted for Reimbursement Claim Settlement
Undersigned and carefully filled claim form
Policy document/s
Medical certification from an expert
Medical/lab test/diagnostic reports
Pharmacy/hospitalisation bills
Copies of all the receipts and medical bills received after discharge
Copy of FIR (in case of an accidental complication)
Others, an additional document to be submitted as requested by the insurer.
Final Points
Hyderabad is a developed metropolitan city with a stressful lifestyle, which at times might lead to several chronic health conditions or diseases. If not addressed in time, there could be the possibility of losing all your savings on any such medical treatment. In those instances, buying one of the best health insurance plans in Hyderabad can save your day.
If you have any further queries related to buying a health insurance policy in Hyderabad, reach out straight to our experts at PolicyX.com at 1800 4200 269.
Best Health Insurance Plans in Hyderabad
Considering the facts, here are some of the best plans to consider in hyderabad:
ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...
Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...
Unique Features
High-sum insured options
Rewards and loyalty benefits
Multiple plan variants
Niva Bupa Senior First Plan (Pros)
High-sum insured options
Rewards and loyalty benefits
Multiple plan variants
Niva Bupa Senior First Plan (Cons)
ICU charges not covered
OPD coverage not available
Second medical opinion not available
Niva Bupa Senior First Plan (Other
Benefits)
No sub-limits are applicable for common health conditions
Waive off co-payment on applying deductibles
No mandatory pre-issuance medical tests
Niva Bupa Senior First Plan (Eligibility
Criteria)
Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...
A supersaver policy covering every family member.
Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...
TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...
1. Can I avail of cashless hospitalisation with health insurance in Hyderabad?
Yes. You need to inform your insurer at least 24 hours before getting hospitalized.
2. What is the right age to buy health insurance in Hyderabad?
There’s no age bar to get prone to a disease these days, so it’s better to buy health insurance in Hyderabad at an early age.
3. What is the importance of having health insurance in Hyderabad?
Having health insurance in Hyderabad not only saves you from a financial crisis at the time of an emergency, but it also provides you with a shield against the hefty cost of treatment for any disease.
4. Are pre-existing conditions covered under health insurance in Hyderabad?
It depends on the type of health insurance policy one is buying. However, some good health insurance plans like Care Freedom, Aditya Birla Activ Health Platinum Essential, Care Supreme Plan with Instant Cover, and a few others to name, provide coverage for pre-existing disease/s in Hyderabad.
5. Which health insurance is best in Hyderabad?
The following health insurance plans are some of the most popular and provide comprehensive coverage:
Care Freedom
Aditya Birla Activ Health Platinum
Niva Bupa Aspire
Bajaj Allianz Health Guard
Reliance Health Infinity
6. Who is eligible to buy health insurance in Hyderabad?
Adults above or equal to the age of 18 years can buy a health insurance policy in Hyderabad for themselves and their family members.
7. What are the eligibility criteria for health insurance in Hyderabad?
Here are some of the criteria for eligibility for buying health insurance in Hyderabad:
Adult age limit - 18 to 65 years
Dependant child age limit- 90 days to 25 years
Pre-policy medical examination (above 45 years)
Waiting period as specified in the policy documents
To know about the best health insurance plans in Hyderabad, network hospitals available, or have any other insurance-related query, call our advisors at 1800-4200-269!
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Lives In: Delhi, NCR
Expertise: Health & Term Insurance
Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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