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Introduction
Kanpur is one of the many metro cities in Uttar Pradesh, the largest state in India. It is a city with great historical importance and also one of the most populous cities in India. The city was founded by Raja Kanh Deo in the 12th century was also an important part of the first independence movement - the 1857 uprising.
The city has a good network of hospitals and the necessary infrastructure to provide good medical attention to its citizens but there is still a long way to go. There are many in the city who still do not have any health insurance plan for themselves and their family members.
The need for good health insurance is quite high in a country like India where medical costs are ever-increasing and the medical resources are limited. Given below are a few details of the health insurance plans in the city of Kanpur.
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What is health insurance?
Health insurance is one of the many types of insurance available to the citizens of Kanpur. This insurance allows the applicants and their family members to have a safety net against any medical emergencies or any life-threatening diseases or illnesses. Health insurance allows them to have access to good and timely medical attention without the need to worry about the financial stress it will put on them.
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Who is eligible for health insurance in Kanpur?
Every resident of Kanpur can apply for a health insurance plan for themselves and their family members. There are multiple insurers that provide health insurance plans as well multiple types of health insurance policies to the residents of Kanpur. These health insurance plans can be availed simply by paying the amount of premium for the agreed duration for the tenure of the plan. Every insurer has its own set of eligibility criteria for the person to be eligible for a health insurance plan. Some of the general or common eligibility parameters set by insurers include the following.
Age
The minimum age required to be eligible for health insurance plans is 18 years for most insurers. The maximum age required by most insurers is 65 years but is relaxed to 70 years by some insurers.
Medical conditions
Insurers have a list of pre-existing medical conditions that are not part of the health insurance plan. The insurer may not extend the health insurance to such applicants or may not be liable to pay the claim for treatment of such medical conditions. Mostly, most insurers have a waiting period the policyholder has to wait before becoming eligible for coverage for pre-existing medical conditions.
Medical screening
The medical screening of the applicants is an important step in getting the health insurance plans. This step helps the insurer to factor in the risk involved in extending the insurance to the applicant. The medical screening is especially necessary for applicants having senior citizens to be included under the plan or in case of a plan exclusively for senior citizens.
How to get a health insurance plan in Kanpur?
There are multiple health insurance providers in the city of Kanpur. These insurers provide many options of health insurance plans to the residents of the city for themselves and their family members.
Applicants can buy these plans easily and can avail the benefits of health insurance by following a few simple steps. They have the option to buy a health insurance plan either through the offline option or online options.
The online options include visiting the website of the insurer and applying for a health insurance plan at such portal, or requesting a callback from the customer care of the insurer, or sending an SMS for the same (if SMS facility is provided by the insurer). The offline mode of getting insurance is by visiting the office of the insurer and applying for the health insurance plan there.
In all the scenarios, the applicants will have to submit a certain set of documents for the plan to be approved. These documents include
- The basic KYC documents
- The medical screening reports
- Bank account details
- Nominee details
What are the steps to get a health insurance policy online?
The steps to get a health insurance policy online are mentioned below,
- Visit the website of the insurer
- Select the health insurance plan that suits the needs of the applicant
- Select the tenure and the premium payment frequency
- Submit the KYC documents
- Make payment for the plan through the available online payment options.
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FAQs – Health Insurance in Kanpur
1. What are the benefits of having a health insurance plan in Kanpur?
A. Having a health insurance plan has multiple benefits for the residents of Kanpur. Some of these benefits are highlighted below.
- Coverage for Covid 19 treatment
- Cashless medical treatment
- Coverage for the cost of ambulance
- Coverage of pre and post medical expenses
- Tax benefit on health insurance policy
- Coverage for approved pre-existing conditions
- Provision of daily hospital cash
- Cashless treatment
- Coverage for preventive health check-ups
- The benefit of coverage for AYUSH treatment
- The benefit of No Claim Bonus
2. What are the tax benefits of getting health insurance cover?
A. The tax benefits of getting a health insurance plan are the tax deductions under section 80D of the Income Tax Act, 1961. These tax deductions are based on the number of family members included in the health insurance plan and their age. The maximum deduction for individuals below the age of 60 years is Rs. 25,000 and above the age of 60 years is Rs. 50,000. If the insured person and their parents are both above the age of 60 years, the maximum deduction is up to Rs. 1,00,000.
3. When can a person claim the benefit of health insurance?
A. A person can claim the benefit of the health insurance plan in the event of a diagnosis of and treatment of any pre-approved diseases or illnesses or any unforeseen medical emergencies.
4. What is the maximum coverage under the Corona Kavach policy?
A. The maximum coverage under Corona Kavach Policy is Rs. 5,00,000
5. What is the usual waiting period for any health insurance policies?
A. The waiting period for any health insurance policy is usually 30 days.