Buying a health insurance policy in Mumbai is compulsorily required nowadays, but why is it so important?
According to a report by the 'Times of India', almost 25% of the total registered deaths in 2022 in the metropolitan area of Mumbai were due to hypertension and heart diseases. This states, that heart-related health diseases are at par in Mumbai and have caused nearly 1 lakh deaths due to heart problems.
Mumbai is known for two major reasons; first for the city that never sleeps, and second, it's bustling with people that you'll barely find good air. Amid all these health complications, if you're residing in Mumbai, you're breathing poison, whether due to the overcrowded resource management or due to extensive immigration of the city. A bustling lifestyle is another reason that led to more than 1070 deaths caused due to mental illness/disorders in 2022 according to 'The Hindu'.
In Mumbai most of the deaths are due to terminal illnesses, health insurance can be the ONLY saviour. How? Major population of Mumbai can't afford high-end treatment for these critical/terminal illnesses. Whereas, having specialized health insurance in Mumbai with adequate sum insured can be a boon for those who are underprivileged.
Want to know how buying a health insurance policy in Mumbai can help fight against health complications and make you sleep peacefully at night? Read on.
Why is Health Insurance in Mumbai Important?
As you all know, treatment and healthcare costs are rising at a rapid rate in metropolitan cities like Mumbai. In this situation, so many individuals can't afford the hefty medical bills for deadly illnesses such as heart problems, diabetes, cancer, senior citizen care, maternity healthcare, and so on. And this is where buying the best health insurance policy in Mumbai becomes a part of your life.
We've listed some of the major benefits of buying it, read further to know more.
What are the Benefits of Buying Health Insurance in Mumbai?
What to expect?
How can it help you?
Broad coverage for specified illnesses/conditions
There are possibilities of getting severe or deadly diseases like cancer, cardiac arrest, diabetes, mental disorders, and so on in Mumbai, and to save you from draining all your savings, health insurance plans like Niva Bupa CritiCare insurance will protect you against 20 life-threatening illnesses.
Top-notch advanced treatment cover
Diseases related to major organs of our body such as the kidneys, heart, lungs, etc require special care, this is where the treatment costs touch the sky. So, buying health insurance plans like Care Critical Illness always tops the list.
Emergency hospitalization facility
Be it getting medical support for a health issue/s such as emergency ambulance services, hospitalization of any kind, doctor's consultation, daycare procedures, and so on, a comprehensive health insurance policy such as Care Advantage will save your day!
Preventive healthcare cover
If you live in Mumbai, you never know what life has in store for you! In such condition/s having a health plan like Niva Bupa Aspire can ensure preventive health check-ups and routine maintenance of your health and lifestyle. So, keep tracking your health regularly.
Cashless claim settlement
Affordability is a major concern that leads us to not buy a health insurance policy and we might lose a lot of money at once to get treated for a specific illness. This is where cashless claim settlement facilities of health insurance companies such as Care, Star Health, Niva Bupa, ManipalCigna, and more come into light.
Things to keep in mind while buying health insurance in Mumbai
Assess your health insurance needs
Opt for higher sum insured plans
Go for a low waiting period plan
Check for adequate optional covers
Choose an affordable option
Read terms and conditions carefully
Claim settlement record of the insurer
Compare plans on PolicyX.com before buying
Which Are the Best Health Insurance Plans in Mumbai?
Since Mumbai can be a tough place at times, sprawling with critical and terminal illnesses, it can be tricky to pick a suitable health insurance plan. So, we've curated some of the best health insurance policies in Mumbai for your ease:
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.
Unique Benefits
Lump Sum payout on detection
150% sum assured
Short survival period
Activ Secure Critical Illness Plan (Pros)
Cover up to 64 CI
3 Plan Variants
High SI
Short Survival Period
Active Health App
Activ Secure Critical Illness Plan (Cons)
Illness due to intoxicants
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Activ Secure Critical Illness Plan (Other Benefits)
Wellness Coach
Second Medical Opinion
Cancer Cover
Kidney Failure Cover
Brain Tumor Cover
Activ Secure Critical Illness Plan (Eligibility Criteria)
A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.
A protection plan that offers support to you and your family against 30 critical illnesses with a high sum insured to opt from.
Unique Features
Up to 30 CI Covered
Avail Online Wellness Program
2 Plan Variants Available
Lifestyle Protection Critical Care (Pros)
High Sum Insured
Medical Second Opinion
Premium Installments Available
Avail Multiple Discounts
Tax Benefits
Lifestyle Protection Critical Care (Cons)
Injuries due to unlawful activities
Obesity
Cosmetic Surgery
Injuries due to illegal activities
Dental Treatment
Lifestyle Protection Critical Care (Other Benefits)
Lump Sum Or Staggered Payouts
Global Plan
Cancer Cover
Bone Marrow Transplant
Deafness Cover
(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 25 Crore
Waiting Period - 30 Days
Network Hospitals In Mumbai
To The Point
Are you also living in the dream city of everyone but can't find a way to deal with the everyday health problems there? Hamari maano, ek achcha wala health insurance plan kharid lo! And we're not just saying for the sake of publicity, we mean it! We mean it, when we express our concern for you and your loved ones.
Don't think too much, just give us a call at 1800 4200 269 and get connected with your trusted insurance experts who'll guide you on which health insurance plan to buy in Mumbai and how it can be a boon for you!
Health Insurance In Mumbai: FAQs
1. Can I avail of cashless hospitalisation with health insurance in Mumbai?
Yes, several health insurance companies offer cashless hospitalisation services.
2. What is the importance of having health insurance in Mumbai?
A health insurance policy in Mumbai can help you live peacefully without worrying about future medical emergencies.
3. Which health insurance is best in Mumbai?
These are some of the best health insurance plans that you can buy in Mumbai to safeguard yourself and your family's health:
Care Supreme
Care Freedom
Aditya Birla Activ Health Platinum
Niva Bupa Aspire
Reliance Health Infinity
4. What are the eligibility criteria for health insurance in Mumbai?
Here are some of the criteria for eligibility for buying health insurance in Mumbai:
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
5. Is AYUSH treatment covered by health insurance in Mumbai?
A comprehensive health insurance policy like Niva Bupa Aspire in Mumbai covers in-patient AYUSH treatment.
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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.
