Health Insurance in Gurgaon

Introduction

Gurgaon is a bustling city located on the Delhi Haryana Border. This city is now known as Gurugram and is part of the Delhi NCR Region (National Capital Region of India). It is also considered to be a prime city financially as it is the second-largest city in terms of being an information technology hub and as well as being their largest financial and banking hub. Apart from this, Gurugram is also home to the largest medical tourism industry and home to many startups.

This city is among the most densely populated cities in the country. This city offers good health care services but there is still a long way to go for all the citizens to get good health insurance for themselves and their family members.

Given below are the details of the health insurance plans in Gurugram and other relevant details associated with them.

Who is eligible for health insurance plans in Gurugram?

Health insurance plans in Gurugram can be available for all the citizens of the city. They can avail more than one health insurance plan for themselves and eligible family members. These plans can be all in effect at the same time to provide maximum benefit to the insured persons. The only requirement is to make timely premium payments in all such health insurance plans to keep them active.

The main eligibility parameters for health insurance plans are mentioned below,

Age

Most insurers require the applicants to be between the age bracket of 18 years to 65 years. Some insurers also allow applicants to be up to 70 years of age if it is permitted as per the guidelines of the insurer. Health Insurance plans also permit coverage for newborn babies. The coverage will be in effect after completion of 90 days of their birth up to the age of 18 years (25 years in some cases).

Pre-existing diseases

Another important consideration for health insurance plans is the pre-existing conditions that the applicant may have. Applicants have to disclose all the relevant information while getting a health insurance plan. If the applicants fail to disclose critical information it can lead the claim to be void and the insurer is not liable to pay any amount to the insured person or their family members

Medical tests

Medical tests are also another important parameter for eligibility in case of any health insurance plans just like life insurance plans. Medical tests are mandated especially in the case of older applicants as the risk of insuring such applicants is higher as compared to younger applicants.

Organizations can also take health insurance of their employees. This type of health insurance plan is known as Group Health Insurance Plan. These plans can provide cover not only for the employee but also for their family members. The eligible family members for such plans are the spouse and children and dependent parents.

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What are the benefits of comparing various health insurance plans?

India has multiple national and international health insurance providers that can be accessed by the citizens of Gurugram. These insurers provide many health insurance plans that can be tailored to provide the specific benefits as the case may be for individual applicants.

It is therefore essential for the applicants to compare various health insurance plans to ensure that they get the best health insurance plans for themselves and their family members.

There are many cases where the insured persons have ended up with a plan that may have contradictory clauses or subclauses which may not only hamper their claims. There may also be cases where insured persons may end up paying higher premiums for a health insurance plan that may not provide the required benefits. An ideal health insurance plan should be able to able to cover pre-existing conditions as well as cashless hospitalization at the time of emergencies.

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How to compare health insurance plans in Gurugram?

There are more than 25 insurance companies in India providing more than 200 types of health insurance plans. It is therefore essential for the applicants to compare the plans based on various factors like the premium to be paid, coverage provided, the reputation of the insurer, etc. Some of the most common factors to be considered by applicants are mentioned below.

Check the reputation of the insurer

The reputation of the insurer is one of the foremost factors that have to be reviewed by any person. The reputation would include the claim settlement ratio and the reputation of the insurer in settling the claims raised. Applicants should also look at the ratio of the claims raised and those that were actually settled.

Account for customer experience

Applicants should also account for the past experiences of any insured person having the health insurance plan of the insurer. This will help them get to have firsthand information about their experience with the insurer.

Know the claim settlement process well

Applicants have to get all the information available regarding the claim settlement process. This will safeguard them against any possible hurdles that they may face while getting their claim settled.

Ensure that the coverage provided is optimum

Applicants also have to ensure that the coverage provided by the insurer is enough to cover the medical requirements of the person and their family members.  If the cover provided is not enough to cover for high-end treatments or for all the members of the family, the insured person may end up paying high treatment costs despite having health insurance in place.

Premium amount to be paid and the flexibility in payment of such premium

The premium amount to be paid for the health insurance plans is dependent on many factors. Also, most insurers provide many flexible options for premium payment. Applicants should opt for a plan that is most convenient to them in terms of premium payment, frequency of payment as well as the amount of cover provided for the premium paid.

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FAQs - Health Insurance in Gurgaon