Health Insurance in Faridabad

Know everything about health insurance plans in Faridabad, from features and benefits to buy and claim process.
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3 min
16-October-2024

Health insurance acts as a crucial safeguard, ensuring individuals and families are shielded from the financial strain of unexpected medical costs. In Faridabad, a rapidly developing city with its share of environmental and lifestyle-related health issues, the significance of medical insurance cannot be overstated. With a diverse demographic and the urban challenges of the National Capital Region, residents face a variety of health risks ranging from pollution-induced ailments to lifestyle diseases.

Faridabad's proximity to the National Capital Region (NCR) exposes residents to urban challenges, including high pollution levels and the stress of a fast-paced lifestyle, which contribute to various health risks. Consequently, having adequate health insurance in Faridabad is essential to protect against potential financial burdens that may arise from treating pollution-induced ailments, chronic diseases, and other medical emergencies. This article aims to provide a comprehensive guide on health insurance in Faridabad, covering its necessity, benefits, procurement process, coverage specifics, and how to navigate claims effectively.

Health statistics of Faridabad

Faridabad's health landscape is marked by its struggle with air pollution, leading to an increased incidence of respiratory disorders among its residents. Additionally, lifestyle diseases such as diabetes, hypertension, and cardiovascular diseases are on the rise, fuelled by urban living conditions and changing dietary habits. The city's healthcare infrastructure is tasked with addressing these challenges, making health insurance not just a necessity but a priority for its citizens. Health insurance aids in reducing the potential financial burden of significant medical costs commonly associated with these conditions.

Finding the right health insurance policy is now easy and convenient with insurance providers offering insurance policies online. In addition, platforms like Bajaj Finance Insurance Mall enable you to compare and buy health insurance policies at just one stop. Bajaj Finance brings you a wide range of affordable health insurance plans offered by leading insurance companies in India. These plans cater to diverse needs, helping individuals choose a suitable health insurance plan according to their budget and requirement. You can avail these health insurance plans through a 100% digital and paperless process on the Bajaj Finance Insurance Mall.

Key features and benefits of buying health insurance in Faridabad

Here are some key features and benefits of health insurance policy:

1. Cashless hospitalisation

Many health insurance policies offer cashless treatment options at network hospitals, ensuring the insured receives quality healthcare without worrying about funds during medical emergencies.

2. Comprehensive coverage

Policies typically cover a broad spectrum of medical expenses, including hospitalisation, surgery, lab tests, and medication costs, ensuring that policyholders are not burdened by out-of-pocket expenses.

3. Pre-and post-hospitalisation expenses

Coverage extends beyond just hospital stays to include medical costs incurred before and after hospitalisation, such as diagnostic tests and follow-up visits.

4. Domiciliary treatment

Many health insurance policies also provide coverage for treatment taken at home. Health insurance policies offered through Bajaj Finance cover such treatments in case no bed is available at the hospital, or the insured is not in the condition to go to the hospital.

5. Daycare procedures

There are several treatments available today that do not require 24 hours of hospitalisation. Health insurance policies cover such treatments. With Bajaj Finance, through its partner insurer plans, you can get coverage for 500+ daycare procedures, depending on the health plan chosen.

6. Financial security

Health insurance provides a safety net against the high cost of medical care, ensuring that savings and finances are protected in times of health crises.

7. Access to quality healthcare

With health insurance, individuals have access to a wide network of reputable hospitals and healthcare providers, ensuring they receive the best possible treatment without worrying about the cost.

8. Peace of mind

Knowing that you and your family are covered in case of medical emergencies can alleviate stress and allow for a focus on recovery rather than financial concerns.

9. Tax benefits

You are also eligible for tax deduction under section 80D of the Income Tax for paying the premiums towards health insurance.

Read more: Check mediclaim policy for senior citizens

1. Prevalence of lifestyle diseases

The rise in lifestyle diseases such as diabetes, hypertension, and heart conditions makes it essential to have health insurance in Faridabad. This ensures coverage for regular check-ups, treatments, and medication, minimizing financial strain.

2. Mental disorders are a big concern

Mental health issues are becoming increasingly prevalent in urban areas. Having health insurance in Faridabad provides access to mental health services, including counseling and therapy, ensuring comprehensive care for residents.

3. Get quality medical facilities

Faridabad is home to numerous top-tier hospitals and clinics. Health insurance in Faridabad allows you to access these quality medical facilities without worrying about the high costs associated with advanced treatments.

4. Avail cashless treatment in Faridabad

With health insurance in Faridabad, you can benefit from cashless treatment at a wide network of hospitals, ensuring that you receive timely medical care without the hassle of upfront payments.

What are major health problems in Faridabad?

Faridabad faces several significant health challenges, including diabetes, mental disorders, obesity, hypertension, and respiratory illnesses. Securing health insurance in Faridabad is crucial to manage these conditions effectively.

1. Diabetes

Diabetes is increasingly common in Faridabad due to sedentary lifestyles and poor dietary habits. Having health insurance in Faridabad ensures coverage for regular monitoring, medication, and potential complications arising from this chronic condition.

2. Mental disorders

Mental health issues like anxiety and depression are on the rise in urban settings. Health insurance in Faridabad provides access to essential mental health services, including therapy and psychiatric care, helping residents maintain mental well-being.

3. Obesity

Obesity is a growing concern in Faridabad, contributing to various health problems such as diabetes and heart disease. Health insurance in Faridabad can cover the costs of weight management programs, consultations, and related treatments.

4. Hypertension

High blood pressure is prevalent in Faridabad, often leading to more severe conditions like stroke or heart attack. Health insurance in Faridabad offers coverage for regular blood pressure monitoring, medication, and preventive care.

5. Respiratory illnesses

Faridabad's pollution levels contribute to respiratory illnesses such as asthma and bronchitis. Health insurance in Faridabad is vital to ensure that treatment, including hospitalisation and medication, is accessible and affordable.

How to buy health insurance in Faridabad?

Here is a quick guide to how you can buy health insurance in Faridabad.

  • Research and compare: Begin by researching on different health insurance plans available in Faridabad. Use online comparison tools to evaluate their features, coverage, and premiums.
  • Assess your needs: Consider your and your family's health needs, including any pre-existing conditions, to determine the type of coverage you require.
  • Choose the insurer: Select an insurance company with a good reputation, high claim settlement ratio, and excellent customer service.
  • Fill out the application: Provide accurate health information on your application to avoid issues during the claim process.
  • Undergo medical tests if required: Some policies may require a medical examination. Follow through with this step if necessary.
  • Review and purchase: Carefully review the policy terms before making the purchase. Ensure you understand the coverage, exclusions, and premium payments.

Through Bajaj Finance Insurance Mall, you can compare and buy the health insurance policies offered by multiple insurers completely online.

A step-by-step guide to buying health insurance online

Here are the steps to buy health insurance through Bajaj Finance Insurance Mall. 

  • Step 1: Click on ‘Get Quote’ to open our online application form. 
  • Step 2: Fill in the application form with some basic details of the insured/proposer. Fill in the name, gender, mobile number, date of birth, and residential PIN code.
  • Step 3: Now click on ‘Get Quote’ to proceed.
  • Step 4: From the list of policies shown, choose any comprehensive health insurance by clicking on ‘Buy Now’.
  • Step 5: Select the policy term and premium amount.
  • Step 6: Enter your email ID and check if all personal details shown are correct. Click on ‘Next’ to proceed.
  • Step 7: Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
  • Step 8: Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed. 
  • Step 9: Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
  • Step 10: Make the payment through net banking, UPI, debit, or credit card to buy the policy.

Also, check how to renew your health insurance policy.

How much health insurance coverage is needed for Faridabad residents?

For residents of Faridabad, considering the city's healthcare costs and prevalent health issues, it is advisable to opt for medical insurance Faridabad coverage of at least Rs. 5-10 lakh. This amount can help cover expenses for hospitalisations, treatments for chronic conditions, and emergencies, ensuring financial protection in the face of rising medical costs.

What is covered in health insurance in Faridabad?

Health insurance coverage varies based on the specific plan and provider but typically includes:

  • Hospitalisation: Expenses related to inpatient care, including room charges, nursing services, and surgical procedures.
  • Pre-and post-hospitalisation: Covers medical expenses incurred up to 30-60 days before and 60-90 days after hospitalisations, depending on the policy conditions.
  • Outpatient care: Medical services received without being admitted to a hospital, such as doctor's visits, diagnostic tests, and consultations.
  • Medications: Coverage for medications prescribed by healthcare providers, often with varying copayment or coinsurance.
  • Emergency services: Treatment for sudden or severe medical conditions, including ambulance services and emergency room visits.
  • Preventive health check-ups: Routine healthcare to prevent illnesses or detect them early, including vaccinations, screenings, and annual check-ups.

Some health insurance policies also provide below coverage as add-on benefits:

  • Mental health services: Coverage for therapy sessions, counselling, and treatment for mental health conditions.
  • Maternity and newborn care: Services related to pregnancy, childbirth, and care for newborns, including prenatal visits, delivery, and postnatal care.
  • Rehabilitative services: Coverage for physical therapy, occupational therapy, and other rehabilitative treatments to aid recovery from injuries or illnesses.
  • Durable medical equipment: Provision of necessary medical equipment like wheelchairs, walkers, and prosthetic devices.
  • Chronic disease management: Support for managing ongoing health conditions such as diabetes, asthma, or hypertension through medication and specialist care.

Read more: Compare Health Insurance Plans & Policies in 2024

What is not covered in health insurance in Faridabad?

Health insurance policies commonly exclude:

  • Pre-existing conditions during the initial waiting period
  • Cosmetic surgeries
  • Dental treatments (unless arising from an accident)
  • Self-inflicted injuries or intentional harm

Ensure to read the terms and conditions of the health insurance policy when buying.

How to claim health insurance in Faridabad?

Here is an overview of health insurance claim process:

  • Notify the insurer: Inform your insurance provider about the hospitalisation as soon as possible, following their specified timeframe.
  • Submit the claim form: Fill out the reimbursement claim form and submit it along with the required documents, such as medical bills, hospital discharge summary, and ID proof. You can download the reimbursement claim form from the insurer’s website. For cashless claim, you need to fill the pre-authorised form, which you can either download from the insurer’s website or fill it at the hospital insurance desk.
  • Claim processing: In case of cashless claim, the hospital will provide all the required information and documents to the insurer. The insurer will assess your claim and settle the bill directly with the network hospital. For reimbursement claims, the insurer will reimburse the claim amount once your claim is approved.

Health insurance for NRIs in Faridabad

Non-Resident Indians (NRIs) living in or visiting Faridabad often require specialised insurance plans that cater to their unique needs. The best medical insurance in Faridabad for NRIs typically offers comprehensive coverage, including hospitalisation, emergency evacuation, and critical illness coverage. Additionally, these plans often include the option of cashless treatment at a wide network of hospitals in India, ensuring that NRIs have access to quality healthcare without worrying about upfront payments. Choosing the best medical insurance in Faridabad can provide peace of mind, knowing that health emergencies are adequately covered while in India.

Also, read: BMI Calculator

Health and prevention tips in Faridabad

Living in an urban area like Faridabad presents unique health challenges, including pollution and lifestyle-related diseases. To maintain good health, residents should adopt preventive measures such as regular exercise, a balanced diet, and routine health check-ups. Having the best health insurance in Faridabad is equally important, as it not only covers medical expenses but also provides access to preventive healthcare services, wellness programs, and health screenings. This comprehensive approach to health management ensures that you are well-protected against potential health risks and can lead a healthier life in Faridabad.

Also, read: Family Health Insurance Plans

Things to consider when choosing the most suitable health insurance in Faridabad

When selecting the most suitable health insurance plan, consider the following factors:

  • Coverage options: Assess the breadth of coverage for services like hospitalisation, pre-and post-hospitalisation, outpatient care, medicines, etc.
  • Network providers: Check insurer’s list of network hospitals and look for the network hospital nearest to you for quick access and prompt treatment. You can also look for your preferred doctors, hospitals, and specialists if they are available within the plan's network to minimise out-of-pocket expenses.
  • Premiums: Evaluate premiums, deductibles, copayments, and coinsurance to understand your financial obligations.
  • Additional benefits: Look for extras like wellness programs, telemedicine services, or maternity care if relevant.
  • Policy limits: Review the policy exclusions thoroughly. Also, look for annual and lifetime maximums to ensure adequate coverage for potential medical expenses.
  • Pre-existing conditions: Confirm coverage for any existing health conditions without waiting periods or exclusions.
  • Flexibility: Consider whether the plan allows for changes in coverage or providers as your needs evolve.
  • Customer service: Assess the insurer's reputation for timely claims processing and responsive support.

Conclusion

Getting a health insurance in Faridabad is essential for safeguarding your and your family's health and financial well-being. By carefully selecting the right plan, you can ensure access to the best medical care without worrying about the costs.

Also check

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Health Insurance in Delhi

Frequently asked questions

What are the key benefits of health insurance in Faridabad?

Some of the key benefits of health insurance include comprehensive coverage, cashless hospitalisation, and protection against rising healthcare costs.

How do I choose the right health insurance plan in Faridabad?

Assess your healthcare needs, compare different plans, and consider factors like coverage, premium, and insurer's reputation before purchasing a health insurance plan.

Are pre-existing conditions covered by health insurance in Faridabad?

Yes, pre-existing conditions are covered after a specified waiting period defined by the policy.

What factors determine the cost of health insurance in Faridabad?

Age, medical history, the coverage scope, and the chosen insurer and policy plan determine the health insurance cost.

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*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third-party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

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