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Introduction
Thane is the home of close to 2 million people. All leading health insurance companies serve the Thane area, providing quality health insurance to the residents.
| Top Health Insurance Companies in Thane | Most Popular Health Insurance Plans in Thane | Available Sum Insured |
|---|---|---|
Apollo Munich Health Insurance Company | HDFC ERGO myHealth Suraksha | Rs.3 Lakhs – Rs.50 Lakhs |
Bajaj Allianz General Insurance Co Ltd | HDFC ERGO General Insurance Optima Restore | Rs.3 Lakhs – Rs.50 Lakhs |
Bharti AXA General Insurance Co Ltd | Star Family Health Optima Plan | Rs.1 Lakh – Rs.25 Lakhs |
Chola MS General Insurance Co Ltd | Care Health Care Plan | Rs.4 lakhs – Rs.6 crores |
Future Generali India Insurance Company Ltd | United India UNI Criticare Health Plan | Rs.1 Lakh – Rs.10 Lakhs |
HDFC ERGO General Insurance Co Ltd | Bajaj Allianz Individual Health Guard Plan | Rs.1.5 Lakhs – Rs.50 Lakhs |
ICICI Lombard Health Insurance Co. Ltd | Chola Healthline Plan | Rs.2 Lakhs – Rs.25 Lakhs |
IFFCO Tokio General Insurance Co Ltd | Manipal Cigna Prohealth Plus | Rs.2.5 Lakhs – Rs.1 crore |
Max Bupa Health Insurance Co Ltd | Aditya Birla Active Assure Diamond Plan | Min - 2 Lakh - Max - 2 Crore |
Reliance General Insurance Co Ltd | SBI Arogya Premier Policy | Rs.10 Lakhs – Rs.30 Lakhs |
Care Health Insurance Co Ltd | Digit Health Insurance Plan | Rs.1 Lakh – Rs.25 Lakhs |
SBI General Insurance Co Ltd | Future Generali Criticare Plan | Rs.5 Lakhs – Rs.50 Lakhs |
Star Health and Allied Insurance Co Ltd | IFFCO TOKIO Health Protector Plus Plan | Rs.2 Lakhs – Rs.25 Lakhs |
TATA AIG General Insurance Co Ltd | Royal Sundaram Supreme Policy | Rs.5 Lakhs – Rs.50 Lakhs |
The New India Assurance Co Ltd | Universal Sompo Individual Health Plan | Up to Rs.10 Lakhs |
Thane is a very large residential area in Maharashtra and houses close to 2 million people. Health insurance providers offer various plans and policies to cater to this population.
Health insurance policies pay for the costs incurred towards medical treatments. They are vital in times of medical emergency so that you can avail the best medical treatment for you or your family.
A comprehensive health insurance policy will cover a variety of medical expenses associated with any treatment, including the cost of surgery, hospital room rent, pre and post hospitalisation expenses, ambulance charges, surgeon and anaesthetist charges, nurses and operating room charges, medicines, surgical items, patient food, daily cash allowance during your hospital stay, and more.
Domiciliary care or alternative treatment approaches such as homoeopathy or ayurvedic medicine are also covered by health insurance.
In recent years, all health insurance policies have been compelled by the IRDAI rule to cover the expenses of Corona treatment.
Why is health insurance important in Thane?
In recent years, healthcare expenses have increased substantially across the country. This, combined with our stressful lifestyle, has a negative impact on our health, making health insurance essential for everyone, regardless of income. When you have health insurance, you can get financial help in the case of an emergency.
Without health insurance, you would be compelled to dive into your life savings or, worse, take out a loan to cover your medical expenditures. Both of these solutions deplete your family's financial resources, putting your current savings and future investments at risk. A medical insurance plan serves as a safety net, providing financial assistance in the event of a medical emergency.
- Cashless Treatment covers most of the medical treatments available in hospitals across the country
- Covers more than 40 outpatient treatments that do not require hospitalization
- Pre- and post-hospitalization costs are covered
- Transportation charges for Ambulance
- No Claim Bonus (NCB) for every claim-free year
- Medical Check-up costs are reimbursed for you and the other members of the policy
- Room Rent Allowance to cover the cost of hospital rooms
- Convalescence benefit or recovery benefit
- Reimbursement towards Annual Health Check-ups
- Tax Advantage under section 80D of the Income Tax Act
Also Read: 11 Essential Benefits Health Insurance Plans Must Cover
Points To Remember While Choosing Your Health Insurance Company In Thane
In India, there are over 30 health insurance companies that offer over 100 health insurance products. How would you narrow down your choices for the ideal health insurance provider? Here are a few simple things to remember:
Evaluate their claim settlement ratio; it's one of the most crucial factors to consider while buying health insurance. You want a business that settles the most claims so you can rest assured that yours will be resolved swiftly and painlessly.
The number of network hospitals for cashless treatment; you want your insurer to offer cashless treatment at as many hospitals as possible so that you can receive high-quality care at the hospital of your choice for your illness.
Plan customisation; can the provider offer a variety of options to meet your requirements? Are you able to tailor the plan to your specific needs? This would be an excellent deciding factor.
Ease of claim settlement; The insurer should provide a straightforward claim settlement process. We're already in a lot of trouble and don't want to deal with mountains of paperwork in order to obtain our insurance money. A couple of different ways to file a claim is an added benefit.
Process for purchasing and renewing a policy; What are the different alternatives for purchasing a policy? Is it possible to do it online or do I need to go in person? Will I be supported in the purchase of my insurance policy? What choices do I have for renewing my policy? These are some things to think about as well.
How to select the best health insurance policy?
Here are some tips to find the best health insurance plan for you:
- Look for sufficient coverage
- Consider the average price
- Prefer family health plans over individual health plans
- Check the waiting period on the policy
- Pay attention to the exclusions
- Select a plan that can be renewed indefinitely
- Compare prices online to find maximum coverage
What are the different kinds of health insurance policies available?
Health insurance plans are becoming increasingly personalised these days. Consumers have realised that there is no such thing as a "one-size-fits-all" coverage when it comes to health insurance. As a result, health insurance companies have adapted to changing market demands and now provide a diverse choice of coverage options.
Health insurance policies in Thane are customised to the client's specific needs and preferred level of coverage. Health insurance policies come in a variety of shapes and sizes.
- Individual Health Insurance Policies
- Family Floater Health Insurance
- Group Health Insurance
- Senior Citizens Health Insurance
- Maternity Health Insurance
- Critical Illness Insurance
- Top-Up Health Insurance
Conclusion: Your family's financial planning should include a health insurance policy. It saves you a lot of trouble in the event of a medical emergency. With the current Corona pandemic and rising medical costs, having a solid health insurance policy will offer you the necessary financial aid when you need it. Specialist therapy, new medical discoveries, and inflation add to the cost of healthcare. When a family member suffers a medical emergency, the entire family's finances are typically thrown into disarray. A health insurance plan can save your life by covering hospitalization, pre-and post-hospitalization charges, operations, doctor fees, and other treatments.
FAQs
1. What is the minimum age to buy a health insurance policy?
In India, the minimum age for purchasing a health insurance policy is 18 years. If you are under that age, you and your family will be covered by a family floater policy.
2. What does pre and post-hospitalization benefit cover?
Expenses incurred in the days leading up to hospitalisation, as well as post-hospitalization expenses for a specific period after discharge, may be included in the claim if the expenses are related to the disease or sickness. Check with your insurer on the specific provision in this regard.
3. What is a critical illness policy?
In the event that the insured is diagnosed with a certain sickness or undergoes a specific surgery, a Critical Illness benefit policy pays a fixed lump-sum payment to the insured. This sum can help to mitigate the financial repercussions of a serious illness, both direct and indirect.
4. What are the tax benefits for Health Insurance?
Section 80D of the IT Act provides substantial tax incentives for health insurance. Purchasers of health insurance can deduct Rs.15,000 from their taxable income each year for the payment of health insurance premiums for themselves, their spouses, and their dependent children. This deduction is higher for senior citizens, at Rs.20,000. Furthermore, beginning with the financial year 2008-09, an additional Rs.15,000 can be deducted for health insurance premiums paid on behalf of parents, and this amount would be Rs.20,000 if the parents are senior citizens.
5. Is there any Waiting Period for claims under a health insurance policy?
Yes. When you purchase a new policy, there will usually be a 30-day waiting period commencing from the policy's inception date, during which time the insurance providers will not be responsible for any hospitalisation costs. This does not apply to any emergency hospitalisation resulting from an accident. This waiting period will not apply to renewal policies.