Health Insurance in Hyderabad

Key Features of Health Insurance in Hyderabad

Here are the most prominent plans that a best health insurance plan in Hyderabad will include:

Cashless Hospitalisation

You get to avail cashless treatment at any of the network hospitals associated with your insurer. This ensures access to quality treatment without the need for upfront payments. Your medical bills will be directly settled by the insurer. 

Critical Illness Coverage

Treatment of life-threatening illnesses like cancer can put undeniable financial pressure on your shoulders. With critical illness coverage, you receive adequate treatment without worrying about the costs. 

Pre and Post-Hospitalisation Coverage

Procedures before hospitalisation- diagnostic tests and procedures after getting discharged- follow-up visits are covered in a health insurance policy. 

Daycare Treatment Coverage

Treatments that don’t require hospitalisation such as LASIK surgeries are also covered under health insurance in Hyderabad. 

No Claim Bonus (NCB)

If you don’t make any claim in a policy year, you get rewarded with either a discount on policy renewal or an increased sum insured by a certain percentage. 

Additional Benefits 

Most health insurance companies in Hyderabad offer additional benefits including room rent modification, PED wait period modification, instant cover and annual health checkups. 

Eligibility Criteria for Health Insurance in Hyderabad

Here’s the eligibility criteria for health insurance in Hyderabad: 

Age Limit 

The minimum age limit to apply for medical insurance in Hyderabad is 18 years whereas, the maximum age varies depending on the insurer. 

Pre-Existing Conditions

It is advisable to discuss pre-existing health conditions before purchasing health insurance in Hyderabad or any other metro city. Doing so allows you to know the waiting period beforehand. 

Health Status

Senior citizens or individuals with pre-existing conditions might be required to undergo medical examinations. 

Income Proof

Some health insurance companies in Hyderabad might ask for income proof to evaluate your financial capacity to afford premiums. 

Note: Eligibility for purchasing health insurance in Hyderabad can vary depending on the type of policy- individual or family floater. 

Benefits of Purchasing Health Insurance in Hyderabad

Securing medical insurance in Hyderabad comes with numerous benefits, some of which are mentioned below: 

Financial Backup 

Medical emergencies can knock on your door anytime, leaving you with unnecessary financial burdens. Living in a metropolitan city is anyway expensive, and hefty medical bills can worsen the expenses. Here a health insurance policy in Hyderabad provides much-needed financial relief. 

Mental Satisfaction 

Sudden medical expenses are worrisome, especially for middle-class families. If you’re living in Hyderabad, a health insurance policy would go a long way in offering peace of mind during such emergencies by acting as a safety net during emergencies. 

Tax Benefits 

Another significant benefit of securing medical insurance in Hyderabad is tax deductions under Section 80 D of the Income Tax Act. 

What is Covered in the Care Health Insurance Plan in Hyderabad? 

Here are the aspects covered in our health insurance plan in Hyderabad:

• In-patient Hospitalisation
• 60-Day Pre and 180-Day Post-Hospitalisation
• Ambulance Charges
• Day Care Treatments
• AYUSH Treatment
• Annual Health Check-up
• Coronavirus Treatment
• Domiciliary Hospitalisation
• Advanced Medical Treatment

What is Not Covered in the Care Health Insurance Plan in Hyderabad? 

Here’s the list of exclusions that are not covered by in our health insurance plan in Hyderabad:

• Self-Inflicted Injury
• Sexually Transmitted Diseases (STDs)
• Pre-existing diseases for a specific period
• Cosmetic Surgery 
• Naturopathy Treatment
• Congenital Diseases
• War, riots or nuclear weapon-induced hospitalisation
• Maternity-related expenses

How to Apply for Health Insurance in Hyderabad?

Here are the steps to apply for health insurance in Hyderabad or any other city you want to secure medical coverage:

Research and Plan Comparison 

The first step involves researching health insurance in Hyderabad and shortlisting the plans that meet your requirements. Then, compare the shortlisted plans based on the premium amount, key features and benefits. 

Select a Suitable Fit 

Out of all the shortlisted plans, choose the one that suits your insurance requirements. 

Gather Required Documents

Ensure that you have all the necessary documents in place including identity proof ( aadhar card), address proof (passport), medical history and additional documents requested by the insurer. 

Submit Online Application 

The last step involves visiting the official website of the insurer and accurately filling out the application form with your personal, health and family details. 

How Much Health Insurance Coverage Do You Need in Hyderabad? 

Living in Hyderabad requires you to opt for health insurance coverage that would suffice the pre and post-hospitalisation expenses as well as provide critical illness coverage. If you’re looking for an individual policy, the coverage amount of 10 lakh would suffice. However, if you want to ensure financial protection for your entire family, you should consider opting for a plan with a coverage amount between 10 to 20 lakh. 

Why Choose Care Health Insurance? 

Here are some top reasons for choosing Care Health Insurance as your insurer:

Quality Treatment from Network Healthcare Providers 

With a wide network of 21600 network healthcare providers, we ensure quality treatment without any delays and the need for upfront payments.

Comprehensive Healthcare Coverage

Our health insurance plans offer a wide range of coverage including in-patient care, daycare procedures, pre and post-hospitalisation, road ambulance services, organ donors and much more. 

Additional Benefits 

You can also avail the additional benefits of our health insurance policy at an increased premium. Some of our most valuable add-ons include smart select, instant cover, room rent modification, instant cover and annual health check-ups. 

Rewards and Bonuses 

Buying health insurance from Care Health Insurance comes with valuable rewards such as a No Claim Bonus(NCB), Cumulative Bonus(CB), Cumulative Bonus Super(CBS), wellness benefit and loyalty booster. 

Claim Filing Process at Care Health Insurance 

At Care Health Insurance, we ensure a seamless process for settling both cashless and reimbursement claims. Here are the steps involved for each:

Cashless Claim 

• Fill out the pre-authorization form at the insurance desk and send it to our claim management team.
• The team will check your request and documents
• You’ll receive the approval letter upon the review of the pre-authorization form and documents.
• We’ll directly settle your hospital bill with your network hospital 

Reimbursement Claim 

• Submit your claim form with the required documents 
• In case of any doubts, our claim management team will reach out to you
• After document verification, you will receive the approval letter from our team.
• We’ll reimburse your hospitalisation costs as per our terms and conditions.