Thanks for contacting us.
Will get in touch soon.
Table of Content
1. Significance of Health Insurance in Hyderabad
2. Reasons to Buy Online Health Insurance in Hyderabad?
3. Advantages of Health Insurance in Hyderabad
4. How Much Health Insurance Coverage Do You Need in Hyderabad?
5. Things Which Are Covered under Health Insurance Plans in Hyderabad
6. Things That Are Not Covered in Health Insurance Plans in Hyderabad?
7. Things to Consider before Purchasing Health Insurance in Hyderabad?
8. Reasons to Buy Health Insurance in Hyderabad
9. Tips for Finding the Best Health Insurance Policy in Hyderabad
10. What Is the Claim Procedure in Hyderabad?
11. How to Renew HDFC Life Health Insurance in Hyderabad?
12. What Are the Types of Health Insurance in Hyderabad?
13. Summing Up
As the capital of Telangana, Hyderabad is known for its extraordinary infrastructure, low cost of real estate, low power tariff, etc. The city is also known for having some of the best medical institutions in the country, leading many people to seek treatment here.
If you are a permanent or temporary resident of Hyderabad, it will be a wise decision to opt for health insurance. Not buying the best health insurance in Hyderabad can force you to borrow money on loan to pay huge hospital bills. Read ahead to get more information about health insurance plans in Hyderabad.
Hyderabad is also famous for its IT hubs. It has a blend of unique cultures with modern lifestyle habits. However, unhealthy habits and pollution, hectic work life, may increase the chances of health risks like heart disease, hypertension, diabetes, etc.
The good thing is the city is ready with modern and advanced medical facilities to combat these health issues. However, high-quality treatments come with expensive hospital bills. Fortunately, you can avail Health Insurance Plans with HDFC Life to safeguard your hard-earned money during medical emergencies.
Here’s why you should purchase the best health insurance policy in Hyderabad online:
You can buy online health insurance anytime and from anywhere in the country. It just needs a desktop or mobile phone with your documents and a good internet connection.
You can easily compare the health insurance plans offered by the top insurance companies in Hyderabad online. You can check which policy is providing the best insurance coverage and features for a given premium. To do this, you just need to visit the official pages of different health insurance companies.
Buying the best health insurance in Hyderabad comes with these advantages:
Health insurance plans cover all of your minor and major medical expenses including your pharmacy bills, doctor consultations, diagnostics, etc.
After a specific waiting period, it will also cover your pre-existing illnesses.
Insurance plans in Hyderabad come with the cashless treatment facility where you do not need to arrange cash and the insurance company pays your hospital directly.
As a policyholder, you can claim tax deductions against your insurance premium under Section 80D* of the Income Tax Act, 1961.
Ideal health insurance coverage depends on various factors such as income, location, lifestyle, family size, and medical history. For instance, if you are a resident of a metropolitan city like Hyderabad, you should opt for health insurance with a sum insured of at least Rs. 10 lakh per member. Otherwise, you can follow the thumb rule to have a sum insured of at least 2 to 3 times your annual income.
The best health insurance in Hyderabad covers the following expenses:
It covers both pre and post-hospitalisation expenses caused by medical treatment, illness/accident, follow-up treatments, etc.
Insurance providers in Hyderabad also offer free annual health checkups to the policyholder.
Most health insurance policies these days cover medical treatments that require less than 24-hour hospitalisations.
This includes coverage for treatments availed at the policyholder’s home in situations where hospitalisation could not be carried out.
We at HDFC Life, cover in-patient hospitalisation, pre- and post-hospitalisation expenses, daycare treatment, domiciliary expenses, and other costs like organ donor expenses and health checkups.
You should have an idea about the things which are not covered even in the best health insurance in Hyderabad:
Surgeries which are not dangerous or life-threatening are not covered by health insurance policies. For example- Botox, Liposuction, or surgeries of a similar kind.
Some insurance providers do not cover pre-existing diseases. However, this depends on different insurance companies. Some policies cover these diseases in case you pay your premiums continuously for 12-48 months (depending on the provider).
Admission fees, registration charges, and service charges are typically not covered by medical insurance in Hyderabad.
Health insurance plans do not include health supplements until they are recommended by a medical practitioner while you are hospitalised
We at HDFC Life, do not cover HIV/AIDS, self-injury, cosmetic and dental procedures, injuries from war and riots, etc.
Before buying a new health insurance these things should be considered for selecting the best health insurance in Hyderabad:
Being a metropolitan city, Hyderabad is very costly in terms of hospital bills. Therefore, the sum insured amount should be enough to cover all your medical bills. To get a higher coverage, you have to pay a higher premium. Always check the sum insured offered by a policy for a given premium amount.
You must consider the type of coverage offered before opting for a new health insurance. For example, if you are unmarried, an individual plan will be ideal for you. In case you have a partner and children, you may go for a family plan. Make sure that the policy covers all expenses you want to avoid paying.
These are some vital reasons to buy health insurance in Hyderabad:
The best health insurance in Hyderabad provides you with strong financial support during medical emergencies. Unexpected hospital bills can destroy your current financial situation as quality treatment in metro cities is very expensive. Health insurance acts as a pillar to give you support and you won’t fall into a debt trap to avail treatments.
If you are a taxpayer, you can claim up to Rs. 25,000 under Section 80D on the premium paid towards a health insurance policy for yourself. You can get additional deductions for paying premiums for senior citizens.
HDFC Life Insurance policies can be a great choice for you if you want to save taxes u/s 80C, 80D and 10 (10D)*.
Follow these tips to find the best health insurance in Hyderabad:
Your health insurance policy should cover ambulance charges, pre and post-hospitalisation cover, in-patient hospitalisation, critical illness cover, daily hospital cash benefits, cashless treatment, etc.
Some insurance policies offer to cover your pre-existing diseases with a waiting period of 2 to 4 years. In such cases, inform the company about your disease and make sure to choose a policy with a short waiting period.
To avoid extra room rent payments from your pocket, you should take a policy which gives you a higher room rent limit. This is because the private hospital beds in Hyderabad are very expensive.
The top insurance providers in Hyderabad provide you the benefit of cashless treatments:
At HDFC Life, we pay your medical bills directly to the network hospital. The policyholder does not need to pay anything since we will handle all the hassles. To claim cashless benefits, you need to follow either of these procedures:
If you inform us at least 5 days before your treatment, it will be considered a planned hospitalisation. In that case, first, you have to fill up the cashless claim form. After that, we will provide you with the confirmation letter and notify your network hospital. Submit this letter to the hospital on the day of admission.
Emergencies like accidents need emergency hospitalisation of the patient. We understand the importance and will provide you with the cashless benefit with quick steps. Just carry documents like an insurance card, and a copy of your policy document to avail the service.
Your hospital will fill out your cashless claim request form. Submit that document to us and we will settle your bills directly with the hospital after verifications.
We offer a wide range of online and offline options to renew your HDFC Life health insurance in Hyderabad. You can use online facilities, walk-in mode, and auto debit to renew your premium. We let you renew your policies using HDFC Life mobile app, net banking, bank transfer, Paytm, Policy Bazaar, Airtel Payments Bank, etc.
These are some of the popular types of health insurance plans in Hyderabad:
Individual health insurance
Family floater health insurance
Personal accident insurance
Mediclaim insurance
Senior citizen health insurance
Having health insurance in Hyderabad is a very important thing to safeguard your savings from uncertain emergencies. HDFC Life offers some of the best health insurance in Hyderabad. Visit our page to learn more about our insurance policies.
The best choice for a health insurance plan is subjective and depends on the benefits you are looking for. HDFC Life offers several options like HDFC Life Easy Health, HDFC Life Cancer Care, Click 2 Protect Optima Restore, etc. Take a look at the offerings and choose the best option for you.
Best health insurance policies in Hyderabad offer you cashless hospitalisation, pre and post-hospitalisation, maternity benefits, health checkups, no-claim bonuses, etc.
The right age to buy health insurance when your age becomes at least 18 or 20 and you have a source of income. Insurance companies in Hyderabad offer you low premium charges, cumulative bonuses, lifelong coverage renewability, etc., for taking health insurance at an early age.
You should not buy life insurance only for the reason that it is the cheapest one. Always compare the sum insured and the insurance premium to select among the health insurance plans in Hyderabad.
Insurance companies allow you to port only at the time of policy renewal. The best time is to submit the porting request at least 45 days before your policy renewal date.
We help you to choose best insurance plan based on your needs
Thanks for contacting us.
Will get in touch soon.
We help you to make informed insurance decisions for a lifetime.
* The afore stated views are based on the current Income-tax law. Also, the customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.
1. Annual Premium amount ₹ 1869 for Male aged 35 years, Base Benefit, 10 years term, Regular Pay option, Sum Assured=10 lakhs, excluding Taxes & levies as applicable.
ARN - MC/01/24/8075