Best Health Insurance Policy in Mumbai
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  • Safeguards against emergency
  • Complete family cover
Best Health Insurance Policy in Mumbai
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Searching for the Best Health Insurance Policy in Mumbai? Read this!

Buying a health insurance policy in Mumbai is compulsory nowadays, but why is it so important?

According to a report by the ’Times of India’, almost 25% of the total registered deaths in 2022 in the metropolitan area of Mumbai were due to hypertension and heart diseases. This states, that heart-related health diseases are at par in Mumbai and have caused nearly 1 lakh deaths due to heart problems.

Mumbai is known for two major reasons; first for the city that never sleeps, and second, it’s bustling so much with people that you’ll barely find good air to breathe. Amid all these health complications, if you’re residing in Mumbai, you’re breathing poison, whether due to the overcrowded resource management or due to extensive immigration of the city. A bustling lifestyle is another reason that led to more than 1070 deaths in Mumbai caused due to mental illness/disorders in 2022 according to ’The Hindu’.

In Mumbai most of the deaths are due to terminal illnesses, health insurance can be the ONLY saviour. How? Major population of Mumbai can’t afford high-end treatment for these critical/terminal illnesses. Whereas, having specialized health insurance in Mumbai with adequate sum insured can be a boon for those who are underprivileged.

Want to know how buying a health insurance policy in Mumbai can help fight against health complications and make you sleep peacefully at night? Read on.

Why is Health Insurance in Mumbai Important?

As you all know, treatment and healthcare costs are rising at a rapid rate in metropolitan cities like Mumbai. In this situation, so many individuals can’t afford the hefty medical bills for deadly illnesses such as heart problems, diabetes, cancer, senior citizen care, maternity healthcare, and so on. This is where buying the best health insurance policy in Mumbai becomes a prominent part of your life.

We’ve listed some of the major benefits of buying it, read further to know more.

What are the Benefits of Buying Health Insurance in Mumbai?

What to expect?How can it help you?
Broad coverage for specified illnesses/conditionsThere are possibilities of getting severe or deadly diseases like cancer, cardiac arrest, diabetes, mental disorders, and so on in Mumbai, and to save you from draining all your savings, health insurance plans like Niva Bupa CritiCare insurance will protect you against 20 life-threatening illnesses.
Top-notch advanced treatment coverDiseases related to major organs of our body such as the kidneys, heart, lungs, etc require special care, this is where the treatment costs touch the sky. So, buying health insurance plans like Care Critical Illness always tops the list.
Emergency hospitalization facilityBe it getting medical support for a health issue/s such as emergency ambulance services, hospitalization of any kind, doctor’s consultation, daycare procedures, and so on, a comprehensive health insurance policy such as Care Advantage will save your day!
Preventive healthcare coverIf you live in Mumbai, you never know what life has in store for you! In such condition/s having a health plan like Niva Bupa Aspire can ensure preventive health check-ups and routine maintenance of your health and lifestyle. So, keep tracking your health regularly.
Cashless claim settlementAffordability is a major concern that leads us to not buy a health insurance policy and we might lose a lot of money at once to get treated for a specific illness. This is where cashless claim settlement facilities of health insurance companies such as Care, Star Health, Niva Bupa, ManipalCigna, and more come into light.

Things to keep in mind while buying health insurance in Mumbai

  • Assess your health insurance needs
  • Opt for higher sum insured plans
  • Go for a low waiting period plan
  • Check for adequate optional covers
  • Choose an affordable option
  • Read terms and conditions carefully
  • Claim settlement record of the insurer
  • Compare plans on PolicyX.com before buying

To The Point

Are you also living in the dream city of everyone but can’t find a way to deal with the everyday health problems there? Hamari maano, ek achcha wala health insurance plan kharid lo! And we’re not just saying for the sake of publicity, we mean it! We mean it, when we express our concern for you and your loved ones.

Don’t think too much, just give us a call at 1800 4200 269 and get connected with your trusted insurance experts who’ll guide you on which health insurance plan to buy in Mumbai and how it can be a boon for you!

Best Health Insurance Plans in Mumbai

Considering the facts, here are some of the best plans to consider in mumbai:

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Senior Citizen Health Insurance

Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...

Unique Features

  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Pros)

Niva Bupa Senior First Plan
  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Cons)

Niva Bupa Senior First Plan
  • ICU charges not covered
  • OPD coverage not available
  • Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

Niva Bupa Senior First Plan
  • No sub-limits are applicable for common health conditions
  • Waive off co-payment on applying deductibles
  • No mandatory pre-issuance medical tests

Niva Bupa Senior First Plan (Eligibility Criteria)

Niva Bupa Senior First Plan
  • Min. Entry Age - 61 Years
  • Max. Entry Age - 75 Years
  • SI - 5 - 25 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits

Care Supreme Plan (Pros)

Care Supreme Plan
  • Modern treatments
  • Renewal discounts
  • Unlimited e-consultation

Care Supreme Plan (Cons)

Care Supreme Plan
  • Illegal activities
  • alcohol abuse
  • obesity treatments

Care Supreme Plan (Other Benefits)

Care Supreme Plan
  • Ambulance cover
  • Doctor on chat
  • Maternity care

Care Supreme Plan (Eligibility Criteria)

Care Supreme Plan
  • Min entry age: 18 Years
  • Max entry age: No age limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

  • Get coverage for the whole family
  • Additional SI for Road Traffic Accident
  • Coverage for Compassionate Travel

Star Family Health Optima (Pros)

Star Family Health Optima
  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Star Family Health Optima (Cons)

Star Family Health Optima
  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Family Health Optima (Other Benefits)

Star Family Health Optima
  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Star Family Health Optima (Eligibility Criteria)

Star Family Health Optima
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

Health Insurance Companies

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Best Health Insurance Policy in Mumbai: FAQs

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

Yes, several health insurance companies offer cashless hospitalisation services.

2. What is the importance of having health insurance in Mumbai?

A health insurance policy in Mumbai can help you live peacefully without worrying about future medical emergencies.

3. Which health insurance is best in Mumbai?

These are some of the best health insurance plans that you can buy in Mumbai to safeguard yourself and your family’s health: Care Supreme Care Freedom Aditya Birla Activ Health Platinum Niva Bupa Aspire Reliance Health Infinity

4. What are the eligibility criteria for health insurance in Mumbai?

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

5. Is AYUSH treatment covered by health insurance in Mumbai?

A comprehensive health insurance policy like Niva Bupa Aspire in Mumbai covers in-patient AYUSH treatment.

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More Queries?

To know about the best health insurance plans in Mumbai, network hospitals available, or have any other insurance-related query, call our advisors at 1800-4200-269!

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing 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.