Health Insurance in Delhi

Health Plans in Delhi
Wide Network Hospitals
Benefits of Buying the Best

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Compare Different Health Plans in Delhi!

Stuck in Delhi traffic, feeling a familiar rumble in your stomach? What if that delicious butter chicken from Chandni Chowk leads to a more serious health concern? The last thing you want to worry about is hospital and hospital bills. Fortunately, health insurance in Delhi can be your shield against such unforeseen situations.

Top Health Insurance Plans in Delhi

NivaBupa CritiCare

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

Daily hospital cash
Accident care available
Lifelong renewability

NivaBupa CritiCare (Pros)

20 critical illnesses Covered
Long-term tenure savings
Different pay-out options
Tax benefits
Direct claim settlement

NivaBupa CritiCare (Cons)

Accident Death
No Total Disability Cover
AIDS Not Covered
Child Education Benefit
Funeral Expenses

NivaBupa CritiCare (Other Benefits)

Flexibility Plan Options
Surgeon's Fee Covered
Renewal for life
Diagnostic Procedures/Therapies
Prosthetic Implants Covered

NivaBupa CritiCare (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 3 Cr
Waiting Period - 30 Days

Activ Health Platinum Premier

The plan offers comprehensive coverage with health return benefits, COVID-19 coverage, a chronic management program, and more.

Unique Benefits

Dental Cover
Health Returns
Affordable Premiums

Activ Health Platinum Premier (Pros)

Post-Hospitalization Physiotherapy
Health Coach Benefit
One Premium Waiver
Health Assessment
Chronic Management Program

Activ Health Platinum Premier (Cons)

Illness due to intoxicants
Change Of Gender Treatment
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Activ Health Platinum Premier (Other Benefits)

Road Ambulance Cover
No Claim Bonus
Critical Illness Cover
Domiciliary Hospitalization
Super Reload of SI

Activ Health Platinum Premier (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 10 L to 2 Cr
Waiting Period - 30 Days

Niva Bupa Aspire Plan

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

Exclusive maternity benefits
Adoption is included
Borderless facilities

Niva Bupa Aspire Plan (Pros)

Overseas treatment coverage
Booster benefit
Covers organ donor transplant
Second medical opinion
Teleconsultation

Niva Bupa Aspire Plan (Cons)

No suicide cover
No war injury cover
Baby food & utility charges excluded
Laundry charges excluded
No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

4 unique variants of the plan
Cash-bag benefit
WellConsult OPD Wallet
Cashless claim settlement
AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

Entry age - 18 years
Max entry age - No AgeLimit
SI - INR 3L to 1 Cr
Waiting Period - 30 days

Care Supreme Plan

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

Unlimited E-consultations
Unlimited Automatic Restoration
Avail Up to 30% Discounts

Care Supreme Plan (Pros)

Day Care Treatments
No Sub-Limits
Emergency Ambulance
No-Claim Bonus
Organ Donor Cover

Care Supreme Plan (Cons)

Change of Gender Treatments
Obesity Treatment Unavailable
Hazardous Activity Not Covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

Unlimited Recharge
30% Renewal Discount
Unlimited E - Consultation
Wellness Benefits
Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

Entry Age - 90 Days
Max Entry Age - No age limit
SI - 5 L to 15 L
Waiting Period - 30 Days

Manipal Cigna Prime Senior

A health insurance plan designed for parents and senior citizens to protect them in their golden years of life. The plan offers a high SI of up to 50 Lakh INR.

Unique Features

Individual and Family Floater
2 Plan Variants
Up to 50 Lakh INR

Manipal Cigna Prime Senior (Pros)

Low Waiting Periods
Flexible Room Category
Avail Cumulative Bonus
Flexible Health Check-up
Tele-Consultations

Manipal Cigna Prime Senior (Cons)

Injuries Due to Breach of Law
Adventure Sports
Obesity
Cosmetic Surgery
Injuries Due to Illegal Activities

Manipal Cigna Prime Senior (Other Benefits)

Modern Treatment Cover
10 % Cumulative Bonus
Cashless Health Check-Up
Mental Illness Cover
Domiciliary Hospitalization Cover

Manipal Cigna Prime Senior (Eligibility Criteria)

Entry Age - 56 Years
Max Entry Age - 75 Years
SI - 3 L to 50 L
Waiting Period - 30 Days

What are the Benefits of Buying a Health Insurance in Delhi?

Financial Security
Delhi's medical costs and AQI are rising day by day. This can drain your savings rapidly. But health insurance can be your finance saver, covering all the medical treatment costs.
Cashless Treatment
Health insurance plans offer cashless hospitalisation in many hospitals in Delhi. Meaning, you don't have to worry about upfront payments.
Pre and Post-hospitalisation
A comprehensive health insurance plan goes beyond hospitalisation coverage. It will give coverage for pre and post-hospitalisation as well for a certain period.
Quality Care
Some health insurance plans offer coverage for specific hospitals or doctors. Such as a cancer specialist plan, which gives coverage for cancer treatment and related expenses.

Things to Consider While Buying a Health Insurance Policy in Delhi

Understand if you need an individual plan, a family floater or a senior citizen.
Check the exclusions of your plan.
Check the hospital room rent capping.
Understand the claim settlement ratio of this company.
If you are a woman, then a maternity plan is also important. Look for good options.

Bottom Line

If you are from Delhi, you must be aware of its ever-rising pollution. It can be very harmful and can cause long-term health problems, doctors are predicting a major rise in breathing problems and respiratory illness in the coming years! Treating these health conditions can be a daunting experience. Health insurance can at least safeguard you against draining all your hard-earned money. To check the plans you can visit PolicyX.com.

Health Insurance in Delhi: FAQ's

1. What are some of the top health insurance plans available in Delhi?

Some top plans in Delhi are Niva Bupa Aspire, Niva Bupa Reassure 2.0, Care Supreme plan, Star Assure Health Plan, and ManipalCigna ProHealth Prime plan.

2. What is a network hospital and why is it important in Delhi?

Network hospital is the type of healthcare facility that has a tie-up with your insurance company. In the network hospitals of Delhi, you can avail cashless treatment.

3. How much does health insurance cost in Delhi?

The average cost of health insurance in Delhi is Rs 500 to Rs 2000. However, it depends on several factors including age, medical history, type of plan, sum insured and location.