Health Insurance In Hyderabad
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  • Pre & post-hospitalization cover
  • Quick claim settlement
Health Insurance In Hyderabad
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Health Insurance in Hyderabad

As per a report of The Hindu, 50% population residing in old areas of Hyderabad are prone to chronic diseases, whereas the overall state condition with chronic diseases is 33%. Similarly, according to the report of The Times of India, there are approximately 10 Lakhs diabetic people and nearly 19.2 Lakhs have hypertension issues in Hyderabad, out of around 1.5 crore total population.

Hyderabad is known for its Nizami lifestyle but is it possible to stay healthy amid an environment where the air is barely clean to breathe, the food is inorganic, and the stress of corporate life?

Unfortunately, due to the rise in population and hectic lifestyles, there are more cases of diseases like hypertension, cancer, cardiac arrest, diabetes, and other chronic or contagious illnesses that are out of affordability. This is when Hyderabad's best health insurance plans come into effect.

So, how to choose the best health insurance in Hyderabad India? Well, this article discusses the types of health insurance in Hyderabad, the benefits of buying it, and what it covers for you. Read this article further to learn more about health insurance in Hyderabad.

Why Do You Need Health Insurance in Hyderabad?

In this section, you'll learn about why health insurance in Hyderabad is important for you:

  • Healthcare costs in Hyderabad are skyrocketing
  • Everyone needs to get preventive care
  • Quality and advanced healthcare procedures are expensive, much more than you think!
  • Your financial interests are saved
  • You can live with peace when safeguarded with health insurance
  • It's a long-term health investment that yields maximum healthcare benefits

What are the Benefits of Health Insurance in Hyderabad?

Health insurance in Hyderabad offers wide coverage benefits to its policyholders, the standard benefits of which are:

  • Comprehensive coverage benefits

    Health insurance in Hyderabad pays off for the policyholder's pre & post-hospitalization, in-patient hospital care, medication and consultation expenses, senior citizen care, maternity and newborn cover, critical illness treatment costs, and so on.
  • Wide hospital network

    The health insurance companies have a wide network of hospitals that will help you receive cashless treatment anywhere in Hyderabad.
  • Wellness focused coverage

    The hustle and bustle of the city imposes pressure on maintaining the health of an individual, but having a specially curated health insurance policy will assist them further in staying healthy.
  • Specialized benefits for healthcare needs

    If a person is suffering from a health condition such as diabetes, hypertension, or cancer, or if there's a case of pregnancy, senior citizen healthcare, and so on, the health insurance in Hyderabad provides overall coverage to all.
  • Preventive health check-ups

    It will help you diagnose illnesses or any expandable traces of health complications at an early stage so that the insured can be assured of overall well-being.
  • Cumulative bonus

    For all the claim-free year/s of your health insurance, there will be an additional No-Claim Bonus (NCB) which will provide you a discount on payable premiums for the next policy tenure.
  • Tax benefits

    Avail of tax exemption benefits under Section 80D of the Income Tax Act of 1961 against all the premiums paid in a financial year.

Which Are the Best Health Insurance Plans in Hyderabad?

Numerous health insurance companies offer the best health insurance in Hyderabad, some of them are mentioned below that come with attractive features:-

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

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

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

Optima Secure Policy (Pros)

  • Secure Benefit
  • Plus Benefit
  • Automatic Restore Benefit
  • No room capping
  • Covid - 19 Cover

Optima Secure Policy (Cons)

  • Adventure Sports Injuries
  • Injuries Out of War
  • Death due to breach of law
  • Congenital Diseases
  • Alcoholism

Optima Secure Policy (Other Benefits)

  • Day Care Treatments
  • Road Ambulance Cover
  • Air Ambulance Cover
  • E-opinion
  • Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 5 L to 2 Cr
  • Waiting Period - 30 Days

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

Things to keep in mind while buying health insurance in Hyderabad

Are you here to buy health insurance in Hyderabad? Read these tips before buying it, so that you can get the maximum coverage benefits of the plan:

Inclusion of Health Insurance in Hyderabad

Read below the inclusions (what's covered) of health insurance in Hyderabad:

Medically necessary hospitalizations (pre and post, in-patient, and so on)

Daycare procedures

Preventive or annual health check-ups

Ambulance services

AYUSH treatment cover

Doctor's consultation (if included in the plan)

Specific/critical illnesses (if the plan covers these conditions)

Exclusion of Health Insurance in Hyderabad

Exclusions may vary from one company to another or from plan to plan. However, here are some of the common exclusions (what's not covered) of health insurance plans in Hyderabad that you must know about, before investing in it:

Cosmetic surgery

Bariatric surgery (unless specified in the plan), weight management/obesity control

Adventurous sports/risky/life-threatening actions

War or action of war with enemy/external bodies

Self-inflicted injuries

Congenital disorders/anomaly

Unlawful act/breach of law

Alcoholism, drug abuse, substance consumptions

An attempt to suicide, etc

Health Insurance Companies

How do I Claim My Health Insurance in Hyderabad?

To raise and get a claim settlement against your health insurance policy in Hyderabad, these are the steps that you must follow:

Cashless claim settlement

Reimbursement claim settlement

Documents to be submitted for Reimbursement claim settlementnt

  • Undersigned and carefully filled claim form
  • Policy document/s
  • Medical certification from an expert
  • Medical/lab test/diagnostic reports
  • Pharmacy/hospitalisation bills
  • Copies of all the receipts and medical bills received after discharge
  • Banking details (passbook/account info/cancelled cheque)
  • Copy of FIR (in case of an accidental complication)

Others, an additional document to be submitted as requested by the insurer.

Final Points

Hyderabad is a developed metropolitan city with a stressful lifestyle, which at times might lead to several chronic health conditions or diseases. If not addressed in time, there could be the possibility of losing all your savings on any such medical treatment. In those instances, buying one of the best health insurance plans in Hyderabad can save your day.

If you have any further queries related to buying a health insurance policy in Hyderabad, reach out straight to our experts at PolicyX.com at 1800 4200 269.

Health Insurance in Hyderabad: FAQs

1. Can I avail of cashless hospitalisation with health insurance in Hyderabad?

Yes. You need to inform your insurer at least 24 hours before getting hospitalized.

2. What is the right age to buy health insurance in Hyderabad?

There's no age bar to get prone to a disease these days, so it's better to buy health insurance in Hyderabad at an early age.

3. What is the importance of having health insurance in Hyderabad?

Having health insurance in Hyderabad not only saves you from a financial crisis at the time of an emergency, but it also provides you with a shield against the hefty cost of treatment for any disease.

4. Are pre-existing conditions covered under health insurance in Hyderabad?

It depends on the type of health insurance policy one is buying. However, some good health insurance plans like Care Freedom, Aditya Birla Activ Health Platinum Essential, Care Supreme Plan with Instant Cover, and a few others to name, provide coverage for pre-existing disease's in Hyderabad.

5. Which health insurance is best in Hyderabad?

The following health insurance plans are some of the most popular and provide comprehensive coverage:

  • Care Supreme
  • Care Freedom
  • Aditya Birla Activ Health Platinum
  • Niva Bupa Aspire
  • Bajaj Allianz Health Guard
  • Reliance Health Infinity

6. Who is eligible to buy health insurance in Hyderabad?

Adults above or equal to the age of 18 years can buy a health insurance policy in Hyderabad for themselves and their family members.

7. What are the eligibility criteria for health insurance in Hyderabad?

Here are some of the criteria for eligibility for buying health insurance in Hyderabad:

  • Adult age limit - 18 to 65 years
  • Dependant child age limit- 90 days to 25 years
  • Pre-policy medical examination (above 45 years)
  • Waiting period as specified in the policy documents

What Our Customers Have to Say

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Raghoba Phadke

Guwahati

April 8, 2024

PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.

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Akshat R Verma

Allahabad

April 8, 2024

PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.

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Akash Banerjee

Pune

April 8, 2024

The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.

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Sarthak Parmal

Delhi

April 8, 2024

I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.

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Trishna Rohilla

Bengaluru

April 8, 2024

I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...

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Sunaina Khanna

Ahmedabad

April 8, 2024

All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents

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Prakash Kaur

Hyderabad

April 8, 2024

PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.

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Radhika Aneja

Coimbatore

April 8, 2024

With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.