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Introduction
Getting health insurance in Pune is easy and hassle-free. There are a number of health insurance providers in Pune who offer a number of plans that suit the customer’s needs. Some of the major health insurance providers are
As a result of the current Corona crisis, many of us have been aware of the escalating medical costs in our country. Many of us were forced to seek care at private hospitals since government facilities were overcrowded, resulting in exorbitant charges. We've learned the value of good health and a comprehensive health insurance policy as a result of the epidemic.
Health insurance should be a basic financial asset for every household. Health insurance premiums are quite affordable, and it provides much-needed financial support in the event of a medical emergency. A comprehensive health insurance policy, whether for yourself or your complete family, needs to be a priority these days.
Health Insurance Policies in Pune
Pune is the second-largest metropolitan city in the Indian state of Maharashtra and the eighth-most populous city in India, with an estimated population of 7.4 million as of 2020. It has been ranked as "the most livable city in India" several times.
Pune has a very good healthcare infrastructure covered by both private and public facilities. Pune is served by three government hospitals: Sassoon Hospital, Budhrani and Dr Ambedkar Hospital. There are also a number of private hospitals such as Ranka Hospital, Sahyadri, Jahangir Nursing Home, Sancheti Hospital, Aditya Birla Memorial Hospital, KEM Hospital, Ruby Hall, Naidu Hospital and Deenanath Mangeshkar Hospital.
Top 10 Health Insurance Providers in Pune
- Bajaj Allianz General Insurance Company
- ICICI Lombard General Insurance Company
- Star Health Insurance
- Apollo MUNICH Health Insurance Company
- Aditya Birla Health Insurance Company
- Bharti Axa General Insurance Company
- Cholamandalam General Insurance Company
- Cigna TTK Health Insurance Company
- Future Generali General Insurance Company
- HDFC ERGO General Insurance Company
Benefits Of Having A Health Insurance Policy In Pune
1. Cashless Treatment: If you have insurance, you can get cashless treatments because your insurance provider partners with multiple hospital networks.
2. Pre- and post-hospitalization costs are covered: Depending on the insurance plans bought, pre-and post-hospitalization costs are covered for up to 60 days.
3. Transportation Charges: The cost paid to an ambulance for the insured's transportation is also covered by the insurance policy.
4. No Claim Bonus (NCB): This is a bonus element that is provided to the insured if he or she does not file a claim for any treatment in the preceding year.
5. Medical Checkup: Medical checks are also covered by insurance policies. Some insurers will also provide a free health assessment based on your previous NCBs.
6. Room Rent: Depending on the premium paid by the insured, the insurance policy may also cover room expenditures.
7. Tax Advantage: Health insurance premiums are tax-deductible under section 80D of the Income Tax Act.
Different Types Of Health Insurance Plans Offered In Pune
Health Insurance plans have become highly customizable these days. Consumers have realized that there is no ‘one policy fits all’ concept when it comes to health insurance. So, health insurance providers have also adapted to changing market requirements and offer many different health insurance policies.
Health Insurance Policies in Patna are designed based on individual needs and the type of coverage they want. There are different kinds of Health Insurance plans;
1. Individual Health Insurance Policies
You can buy individual health insurance for yourself, your spouse, your children, and your parents. Hospitalization, surgery, room rent, childcare procedures, and other medical expenses related to injuries and diseases are covered by this type of insurance.
2. Family Floater Health Insurance
If you want affordable health insurance coverage for everyone in your family, Family Floater Health Insurance should be your first choice. Under a Family Floater Health Insurance policy, a single Sum Insured covers all family members enrolled in the policy. An Individual Health Insurance Plan is more expensive than a Family Floater Health Insurance Plan. This insurance can cover you, your spouse, your children, and your parents.
3. Group Health Insurance
A Group Health Insurance plan is designed for a group of people. You might obtain such plans for your employees whether you own a small business or a large company. It is a form of perk that most employers provide to their employees. It assists employees in obtaining basic health insurance for themselves and family.
4. Senior Citizens Health Insurance
This policy is meant exclusively for senior persons, as the name implies. It applies to people over the age of 60. It enables the customer to provide coverage for their elderly parents and grandparents who require high-quality medical care.
5. Maternity Health Insurance
These days, maternity health insurance is very popular. Though it was previously only available as a rider on regular health insurance policies, many insurers are now selling it as a stand-alone policy to appeal to first-time parents seeking the greatest possible pregnant experience. All expenses related to the pregnancy, delivery, and postnatal periods are covered. For the first 90 days, it covers births (including medically necessary terminations), infertility therapies, and newborn infant coverage.
6. Critical Illness Insurance
Diseases linked to one's way of life are on the rise. Insurance companies created the Critical Illness Policy with this in mind.
This health plan, which was created specifically for middle-class families, covers disorders such as:
- Cancer
- Stroke
- Kidney Failure
- Paralysis
- Coronary Artery Bypass Surgery
- First heart attack
- Pulmonary Arterial Hypertension
- Multiple Sclerosis
- Aorta Graft Surgery
7. Top-Up Health Insurance
You can buy top-up insurance if you need more coverage than your current health insurance policy provides. Such plans, however, include a "Deductible Clause." In the case of a claim, payment will be made in excess of the policy's maximum limit. If you want additional coverage than your standard health insurance policy, this plan may be for you.
Additional Read: Arogya Sanjeevani Health Policy
How To Choose The Best Health Insurance Policy In Pune?
Health insurance has recently risen to the top of the list of essential expenditures for every Indian household. During this epidemic, growing medical expenditures and poor health facilities have put enormous strain on middle-class families to raise finances for their loved ones' care. In such circumstances, health insurance may have provided them with security and peace of mind.
Now that everybody is scampering to get health insurance, we want to outline some tips to keep in mind while you are shopping for health insurance in Pune.
1. Look for sufficient coverage.
2. Consider the average price.
3. Prefer family health plans over individual health plans
4. Select a plan that can be renewed indefinitely.
5. Compare prices online
6. Hospital coverage through the network
7. Evaluate for a high claim settlement ratio.
Conclusion
Pune is an IT and manufacturing hub. It has excellent healthcare infrastructure provided by both government and private entities. However, the rising medical costs have made it necessary for the public to get a good health insurance policy that will help them meet any medical emergency.
FAQs
1. Is there a minimum age to get a health insurance policy in Pune?
There is no minimum age to get coverage under a health insurance policy. However, to buy one, you need to be at least 18 years of age.
2. Who can get Group Health Insurance Policy in Pune?
A Group Health Insurance Policy in Pune is available for corporate companies or any organisation that wants to insure its employees. The organization or business should have a minimum of 20 employees to take a group health insurance policy.
3. Can I take my Critical Health Insurance policy from a different insurer than my general health insurance policy?
Yes, you can take your Critical Health Insurance policy from a different insurer.
4. Which is better for a family of 4 members in Pune? An individual policy or a family floater policy?
A family floater policy is better as it allows any of the family members to utilize the complete sum assured in the policy cover to take care of their medical treatment.
5. What is the entry age for senior citizen health insurance policies in Pune?
People between the ages of 60 and 80 can get senior citizen health insurance policies. If the policy is renewed without stoppage, the insurance coverage can be extended up to the age of 90.