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Health Insurance in Aurangabad

In Aurangabad, known for its historical sites and industrial presence, health insurance is essential due to increasing medical costs and environmental health risks. ...Read More

Explore the range Health Plans by HDFC Life to cover your medical expenses
With Health plans from HDFC Life you can opt for medical insurance at affordable rates

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Health Insurance Plans

Health Insurance in Aurangabad

Health Insurance in Aurangabad
February 02, 2024

Table of Content

 

One of the most famous tourist hubs of India, Aurangabad has famous historical tourist spots. Some of them are Ajanta Caves and Ellora Caves, Bibi Ka Maqbara, Panchakki. It is also known as "The City of Gates". The city also has many cloth and textile factories, industrial zones and power plants. 

The city is suffering from air pollution from designated industrial areas within it. Due to the pollutants, hectic work-life balance, and modern unhealthy lifestyles, medical expenses can be a concern for the residents of this city. Taking health insurance in Aurangabad would be a major saviour for sudden medical emergencies.

Significance of Health Insurance in Aurangabad

Diseases like Cholera, Malaria, Fever, Tuberculosis, and Leprosy are common in Aurangabad and many other Indian cities. In most cases, people do not take health insurance policies and they have no protection for medical treatments. With the rising costs of medicines and treatments in the city, you need the protection of a health insurance policy to keep your savings safe.

Thus, health insurance is very necessary to safeguard yourself and your family members. By getting family health insurance in Aurangabad, you can insure all of your family members by paying a single premium.

Reasons to Buy Online Health Insurance in Aurangabad?

Nowadays, everything is going online to get more reach among the customers. Here are the top advantages of buying health insurance in Aurangabad online:

  • Easy Comparison

Comparing different health insurance policies is easier by visiting the official pages of different insurance companies. By checking online, you don’t rely on the words of any middleman or agent. This means there is no risk of an agent selling unwanted insurance policies by hiding crucial terms and conditions.

  • Discounts

Online health insurance plans eliminate the requirement of any agent or middleman. For this reason, insurance companies offer you some discounts on your policy premium. You can also receive a cumulative bonus on your insurance coverage as a bonus.

Advantages of Health Insurance in Aurangabad 

These are some of the top advantages of taking health insurance in Aurangabad:

  • Better Medical Treatment

Getting the best medical treatment in Aurangabad will result in a large hospital bill. Your health insurance policy is the fund you need to pay your hospital bills with cashless benefits.

  • Tax Deductions

By taking health insurance, you can claim up to Rs. 25,000 under Section 80D of the Income Tax Act. In case you are taking a family plan, you can get deductions up to Rs. 50,000 (if the age of the insured is 60 years or above). 

  • Cashless Treatment

You can avail of cashless treatment if you are admitted to a network hospital. You do not need to pay any cash to the hospital. The insurer will clear all the bills to the hospital. To get this benefit, you have to inform your insurance company 48 hours before planned hospitalisation or 72 hours in case of emergency hospitalisation.

HDFC Life has 10,000+ network hospitals in India where you can get cashless treatments. Visit to learn about our health insurance plans and choose the best plan based on your needs.

How Much Health Insurance Coverage Do You Need in Aurangabad?

There are a number of reputable public and private hospitals and other healthcare facilities in Aurangabad. However, hospitalisation costs are high in this city. Therefore, you need health insurance coverage of at least 50% of your annual income. For example, if your annual income is Rs. 10 lakh, your health insurance coverage should be at least Rs. 5 lakh. 

At HDFC Life, you can get a cover of Rs. 10 lakh by paying Rs. 5 per day. Our health plans cover everything from pre- and post-hospitalisation cover to critical illness and road ambulance cover.

Things That Are Covered under Health Insurance Plans in Aurangabad

Before taking a health insurance policy, you should know which illnesses or medical situations are covered by your plan. In HDFC Life health insurance policies, we cover the following expenses: 

  • Pre- and post-hospitalisation expenses

  • In-patient hospitalisation

  • Health checkups

  • Daycare treatment

  • Domiciliary expenses

  • Other costs like organ donor expenses

Things That Are Not Covered under Health Insurance Plans in Aurangabad?

Every health insurance policy has some exclusion clauses for expenses on which claims are not processed. This is very important to know the conditions which are not covered by most health insurance in Aurangabad:

  • HIV/AIDS

  • Self-injury

  • Cosmetic and dental procedures

  • Self-harm

  • Infertility treatment

  • Pregnancy treatment

However, the exclusions may vary between different insurance companies. Read all the documents carefully before buying a new insurance.

Things to Consider before Purchasing Health Insurance in Aurangabad?

Before buying a new health insurance in Aurangabad, you must consider the following things:

  • Premium and Coverage

Always choose health insurance with the best combination of coverage and premiums. Usually, to get a higher coverage you have to pay a higher premium.

Before buying your insurance, you must compare the different options available to get extensive coverage at an affordable premium. Instead of rushing to the lowest premium, it’s better to focus on the policy offering the best coverage at a low price.

  • Waiting Period

After a new policy is issued, you have to wait for a certain time, called the waiting period, to avail the policy’s benefits. Your insurer will typically not cover any pre-existing disease from 24 months to 48 months depending on your insurance plan. Similarly, there are waiting periods for specific illnesses and maternity benefits. You will be unable to get claims settled for this time. 

  • Cashless Benefits

The cashless benefit is a hassle-free way to clear your medical bills using the health insurance policy. The insurer will clear all the bills to the hospital. To get this benefit, you have to inform your insurance company 48 hours before planned hospitalisation or 72 hours in case of emergency hospitalisation. 

You can avail of this benefit if you are admitted to a network hospital for the insurer. Always confirm that your insurer has the facility for cashless bill payments for a hospital before you get admitted. 

  • No-Claim Bonus

In case you do not claim your insurance policy in a financial year, you can get discounts on your next renewal payment. This discount generally ranges between 5-20% for different insurance companies. Your insurer must give you no claim bonus or no claim discount in case you do not file claims for the policy tenure.

Reasons to Buy Health Insurance in Aurangabad

These are the top reasons to buy health insurance in Aurangabad:

  • Quality Healthcare

Quality healthcare in metro cities like Aurangabad is very expensive and the overall medical cost of treatment is getting expensive every year. To beat medical inflation and create a backup or support of funds, you should opt for health insurance. 

At HDFC Life, we provide health insurance cover up to Rs. 10 lakh just for Rs. 5/day. Check out the full details of our health insurance plans and click on 'Buy Online' to stay secure.

  • Family Protection

Health insurance works as your family’s financial shield. Without any insurance, sudden medical expenses can destroy your financial stability. It can deplete your entire savings and disrupt your life. With a family health insurance plan from HDFC Life, you can keep your family’s future safe.

  • Tax Benefits

By taking health insurance, you can claim up to Rs. 25,000 under Section 80D* of the Income Tax Act. In case you are taking a family plan, you can get deductions up to Rs. 50,000 (if the age of the insured is 60 years or above). 

Tips for Finding the Best Health Insurance Policy in Aurangabad

Follow these tips to find the best health insurance in Aurangabad:

  • Right Coverage

Coverage or the sum insured is one of the most important factors before choosing a health insurance policy. Always try to get the highest coverage for the lowest possible premium. The insurance coverage should be at least Rs. 5 lakh for each member insured under the policy. Otherwise, buy health insurance with the sum insured of 50% of your annual income. 

  • Plan with Lifetime Renewability

Always make sure that you are buying a health insurance plan with the benefit of lifetime renewability. This is because health insurance is very helpful in your old age. However, in old age, health insurance plans become expensive and difficult to purchase. So, buy at a younger age and get benefits in your old age with the option of lifetime renewability.

  • High Claim Settlement Ratio

Check the claim settlement ratio of the insurer before buying health insurance in Aurangabad. It refers to the total number of claims settled by the insurer against the total claims received.

Buy HDFC Life health insurance plans to get peace of mind with an insurer with a claim settlement ratio of 99.50%##. 

What Is the Claim Procedure in Aurangabad? 

To get a claim settlement, you have to provide some documents to the insurer and go through the proper claim process by following the terms and conditions. At HDFC Life, our claim procedure is well-organised and hassle-free. We offer a wide range of communication channels for your guidance towards health insurance claims. 

However, the claim process is not the same for different health insurance plans. To know the claim process of HDFC Life in Aurangabad, click here and check the ‘Health’ section.

Cashless Claim Processes

In the cashless claim, you do not have to pay any money to the hospital as the insurer will pay your all bills directly to the hospital. This benefit can be availed only if you are admitted to a network hospital. 

To get a cashless claim, you have to inform your insurance provider at least 2 days before a planned hospitalisation or within 24 hours in case of emergency hospitalisation.

How to Renew HDFC Life Health Insurance in Aurangabad?

It is very simple to renew your HDFC Life health insurance. We offer a wide range of offline and online channels to pay their insurance premium. Besides the manual payment option, we offer the facility to pay your premiums automatically using the auto debit facility. You can pay using a credit card, debit card, net banking, UPI, wallet, Bill Pay, etc.

What Are the Types of Health Insurance in Aurangabad?

These are the types of health insurance in Aurangabad offered by us:

  • Individual health insurance

  • Family floater health insurance

  • Senior citizen health insurance

  • Critical illness insurance

  • Group health insurance

Summing up

Health insurance is one of the most important investments for a person where your investment can give you back support to take care of your health care bills. To opt for health insurance in Aurangabad, sign in to our website and enter the health insurance details to get a detailed quote.

FAQs on Health Insurance in Aurangabad 

Q1. Which health insurance is best in Aurangabad?

The choice of the best policy depends on the needs of the insured person. Go through the available options from HDFC Life and choose the policy that best suits your requirements.

Q2. Is Rs. 2 lakh health insurance enough in Aurangabad?

Due to higher medical expenses in metro cities like Aurangabad, a sum insured of Rs. 2 lakh is not enough for even a single person. You should get a health insurance policy with a sum insured of at least Rs. 5 lakh per head.

Q3. What is the minimum and maximum age to buy health insurance in Aurangabad?

The minimum age is 18 years and the maximum age is 65 years to buy health insurance in Aurangabad. This number can vary for different health insurance policies and insurers.

Q4. How to calculate the premium of a mediclaim policy in Aurangabad?

HDFC Life offers you one of the best insurance premium calculators. Visit HDFC Life and contact our expert advisor to use the calculator. 

Q5. How can I calculate health insurance quotes in Aurangabad?

Health insurance premium calculation is not easy and you can make mistakes without the help of an expert. Talk with our advisor to calculate health insurance quotes in Aurangabad.

Q6. Can I increase my sum insured on health insurance in Aurangabad in the mid-policy year?

Maximum insurance companies allow you to increase the sum insured of your existing policy at the time of renewal. To get accurate information, contact your health insurance company.

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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* The afore stated views are based on the current Income-tax law. Also, the customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.

1. Annual Premium amount ₹ 1869 for Male aged 35 years, Base Benefit, 10 years term, Regular Pay option, Sum Assured=10 lakhs, excluding Taxes & levies as applicable.

##Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2023-24.

 

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