Lucknow is not only known for its rich history and culture but also for its evolving urban landscape and lifestyle. With the changing environment and lifestyle comes the need for a robust healthcare system, backed by comprehensive health insurance. This article discusses the importance of health insurance in Lucknow, offering insights into how residents can navigate their way to securing their health financially.
Health statistics of Lucknow
The city's health statistics paint a picture of the current healthcare scenario. With a growing population, there's an increased demand for medical services, ranging from preventive care to critical illness treatment. Recent data suggests a rise in lifestyle diseases, making health insurance not just an option but a necessity.
Why do you need health insurance in Lucknow?
With rising healthcare costs and the prevalence of diseases, health insurance acts as a safeguard, ensuring that high-quality medical care is accessible without financial strain. It covers various expenses, including hospitalisation, surgery, and even post-treatment care, reducing the financial burden on families. Given below are a few points highlighting the significance of buying health insurance in Lucknow:
Incidence of lifestyle diseases
Lucknow has seen a significant rise in lifestyle diseases like diabetes, hypertension, and obesity due to changing lifestyles. Having health insurance in Lucknow ensures you can manage and treat these conditions without the burden of high medical costs.
High prevalence of vector-borne diseases
Vector-borne diseases like dengue and malaria are common in Lucknow, especially during the monsoon season. Health insurance in Lucknow provides essential coverage for treatment and hospitalization, protecting you from unexpected expenses.
Rise in medical inflation
Medical costs in Lucknow are steadily increasing, making it crucial to have adequate health insurance in Lucknow. A comprehensive policy helps you stay financially secure while accessing necessary healthcare services.
Obtain the best quality treatment
Lucknow offers excellent medical facilities, but the costs can be high. Health insurance in Lucknow allows you to access top-tier treatments and hospitals without worrying about the financial strain, ensuring quality care.
The easiest way to buy a plan is online as you can get all the details about the policy online, compare the best policies, and buy the one that best suits your needs. Bajaj Finance Insurance Mall is one of the ideal options for users looking to buy health insurance in Lucknow and across India.The platform lists various plans by leading insurers in the country. You can check the coverage and accordingly choose the plan that best suits your needs.
Also, read: BMI calculator
Key features and benefits of buying health insurance in Lucknow
When considering purchasing health insurance in Lucknow, there are several key features and benefits to keep in mind. One of the primary advantages is access to a wide network of cashless hospitals, which allows for easier and more efficient handling of medical emergencies and treatments without the immediate need for cash payments. If you buy a policy offered through Bajaj Finance, you can use the Insurance hospital locator, to find the list of network hospitals near you.
Additionally, health insurance offers financial security by covering various medical expenses, which can protect you from the high costs associated with healthcare. This coverage can include pre-and post-hospitalisation expenses, specific diseases and treatments after a waiting period, daycare procedures, and more.
Another significant benefit of health insurance in Lucknow is the potential tax savings. Under section 80D of the Income Tax Act, policyholders can enjoy tax benefits, which adds a financial advantage to health coverage. Also, having health insurance ensures lifetime protection with options for lifetime renewability, meaning you can renew your policy throughout your life, providing continuous coverage against rising healthcare expenses.
Furthermore, health insurance plans in Lucknow are designed to cater to the diverse needs of individuals and families, offering comprehensive and scalable plans tailored to different requirements. These plans may include additional coverage for maternity, newborn care, AYUSH treatments, and more, ensuring a broad spectrum of healthcare needs are covered.
Overall, health insurance in Lucknow provides a critical safety net that offers both financial security and peace of mind, ensuring access to quality healthcare without burdening personal finances.
Read more: Benefits of health insurance
What are major health problems in Lucknow?
In Lucknow, several major health problems affect the population, including:
Respiratory disorders:
High pollution levels contribute to respiratory issues such as asthma, chronic bronchitis, and other lung diseases.
Vector-borne diseases:
Dengue, malaria, and chikungunya are prevalent, especially during the monsoon season. Stagnant water and inadequate sanitation facilities provide breeding grounds for mosquitoes, increasing the risk of these illnesses.
Lifestyle diseases:
Rapid urbanisation and changes in lifestyle have led to a rise in diabetes, hypertension, and cardiovascular diseases.
Waterborne diseases:
Contaminated water sources in some areas result in frequent outbreaks of diseases like typhoid, cholera, and gastroenteritis.
Hypertension:
Hypertension is a growing concern in Lucknow, driven by factors like stress, unhealthy diets, and lack of exercise. This condition requires regular monitoring and medication, making it a significant health issue in the city.
Diabetes:
Diabetes is increasingly prevalent in Lucknow due to sedentary lifestyles and poor dietary habits. Managing diabetes effectively requires ongoing medical care, making it a major health problem among the city's residents.
Obesity:
Obesity rates in Lucknow are rising, leading to various related health issues such as heart disease and diabetes. Sedentary lifestyles and unhealthy eating habits contribute significantly to this growing problem.
Dengue:
Dengue fever is a recurring threat in Lucknow, particularly during the monsoon season. The city's climate and waterlogging issues create ideal breeding conditions for mosquitoes, leading to frequent outbreaks.
