Health Insurance in Mumbai

The financial capital of India, Mumbai is also known as the city of dreams and the one that never sleeps. As per a recent survey, it is a densely populated city that is home to more than 2 crore people at present. Naturally, the density of the state makes it vulnerable to a variety of illnesses and diseases. Taking a recent example, Mumbai is one of the hardest-hit states in India when it comes to the pandemic declared coronavirus. Also, considering the number of road accidents every year, alarming levels of air pollution, and other health conditions people suffer from, it is imperative for all to avail of health insurance if residing in Mumbai. Best health insurance companies in mumbai like HDFC ERGO, Niva Bupa, Care Health Insurance etc.

Getting a health insurance plan in Mumbai is beneficial in the following ways:

1. Cover for Medical Expenses: Provides cover for specified illnesses and hospitalisation due to accidents.

2. Safeguards Health: Generally, health insurance plans cover the insured for annual health check-ups for the screening of any underlying condition(s).

3. Cumulative Bonus: Health insurance offers No Claim Bonus to the insured for every claim-free year.

4. Critical Illness Cover: Many health insurance plans offer cover for critical illnesses such as cancer and heart disease.

5. Tax Benefits: Policyholders can avail of health insurance tax benefits on the premium paid for health insurance plans under Section 80D of the Income Tax Act, 1961.

Inclusions Under Health Insurance Plans in Mumbai

Health insurance plans in Mumbai generally cover the insured against the following:

• All hospitalisation expenses, including cover for COVID-19
• Daycare procedures
• Critical illness cover
• Road ambulance expenses
• Organ donor expenses
• Pre-hospitalisation expenses
• Post-hospitalisation expenses

Exclusions Under Health Insurance Plans in Mumbai

Health insurance plans in Mumbai generally do not cover the insured against the following expenses:

• Pre-existing diseases
• Hospitalisation for evaluation purpose
• Prenatal and postnatal expenses
• Bariatric surgery
• Hospitalisation without doctor’s recommendation

Things to Know When Buying Health insurance in Mumbai

Listed below are the things that you must know when buying health insurance in Mumbai:

1. Zone: Mumbai lies in zone A when it comes to health insurance plans. This is because the healthcare expenses are greater in big metropolitan cities and Mumbai being one of the costliest places to avail of the treatment, is considered Zone A.

2. Need for Health Insurance: Almost every day Mumbai roads witness devastating accidents. And when accidents occur, there are casualties too, for which urgent treatment is required. So, it is necessary to timely get health insurance if staying in Mumbai to be able to avail of top-notch facilities without worrying about the expenses in difficult times. The policies also cover the insured against critical illnesses, which are increasing not only in Mumbai but across all states in India.

3. Type of Health Insurance Plan: In Mumbai, there is a huge financial gap between the upper class and lower class people. But, everyone needs health insurance. So, someone living alone can opt for an individual health insurance policy whereas someone living with an extended family can go for a family floater health insurance plan.

How to Buy Health Insurance in Mumbai?

People living in Mumbai can purchase health insurance in two ways, viz, online, or offline.

To buy Health insurance online at InsuranceDekho, the simple steps given below are to be followed:

1. Visit insurancedekho.com. Then click on the ‘health’ tab.
2. Select your gender and enter your Name and Mobile Number. You will receive an OTP (One Time Password) on the entered number. Kindly enter that.
3. Tell us ‘When do you want to buy the policy’ by selecting a suitable option from the drop-down menu. Then click on ‘View Quotes’.
4. Select the family members you wish to include under your health insurance plan along with yourself. Click on ‘Continue’.
5. Select the age of the family members you wish to include.
6. Enter your Email ID and City and click on ‘Submit and View Quotes’. You will see the most suitable quotes for you on the screen. Click on the one you wish to buy.
7. Select the policy period for the chosen health insurance plan. Enter the required details. Lastly, pay the health insurance premium online via any mode of payment that suits you.

To purchase health insurance in offline mode, contact the customer care executives at InsuranceDekho.

If residing in Mumbai, one should timely opt for a reliable health insurance policy. Otherwise, they might find themselves in great financial strain in case of a disease/illness/sickness or an accident.