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Health Insurance in Hyderabad

In Hyderabad, health insurance is essential due to lifestyle-related health risks and high medical costs. Online policy purchase offers ease and comparison options. Ideal coverage depends on individual needs and city living costs. ...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 in Hyderabad

Health Insurance in Hyderabad

Health Insurance in Hyderabad
February 01, 2024

Table of Content

 

As the capital of Telangana, Hyderabad is known for its extraordinary infrastructure, low cost of real estate, low power tariff, etc. The city is also known for having some of the best medical institutions in the country, leading many people to seek treatment here.

If you are a permanent or temporary resident of Hyderabad, it will be a wise decision to opt for health insurance. Not buying the best health insurance in Hyderabad can force you to borrow money on loan to pay huge hospital bills. Read ahead to get more information about health insurance plans in Hyderabad.

Significance of Health Insurance in Hyderabad

Hyderabad is also famous for its IT hubs. It has a blend of unique cultures with modern lifestyle habits. However, unhealthy habits and pollution, hectic work life, may increase the chances of health risks like heart disease, hypertension, diabetes, etc.

The good thing is the city is ready with modern and advanced medical facilities to combat these health issues. However, high-quality treatments come with expensive hospital bills. Fortunately, you can avail Health Insurance Plans with HDFC Life to safeguard your hard-earned money during medical emergencies. 

Reasons to Buy Online Health Insurance in Hyderabad?

Here’s why you should purchase the best health insurance policy in Hyderabad online:

  • Convenience

You can buy online health insurance anytime and from anywhere in the country. It just needs a desktop or mobile phone with your documents and a good internet connection. 

  • Comparison

You can easily compare the health insurance plans offered by the top insurance companies in Hyderabad online. You can check which policy is providing the best insurance coverage and features for a given premium. To do this, you just need to visit the official pages of different health insurance companies.

Advantages of Health Insurance in Hyderabad

Buying the best health insurance in Hyderabad comes with these advantages:

  • Health insurance plans cover all of your minor and major medical expenses including your pharmacy bills, doctor consultations, diagnostics, etc.

  • After a specific waiting period, it will also cover your pre-existing illnesses.

  • Insurance plans in Hyderabad come with the cashless treatment facility where you do not need to arrange cash and the insurance company pays your hospital directly.

  • As a policyholder, you can claim tax deductions against your insurance premium under Section 80D* of the Income Tax Act, 1961.

How Much Health Insurance Coverage Do You Need in Hyderabad?

Ideal health insurance coverage depends on various factors such as income, location, lifestyle, family size, and medical history. For instance, if you are a resident of a metropolitan city like Hyderabad, you should opt for health insurance with a sum insured of at least Rs. 10 lakh per member. Otherwise, you can follow the thumb rule to have a sum insured of at least 2 to 3 times your annual income. 

Things Which Are Covered under Health Insurance Plans in Hyderabad

The best health insurance in Hyderabad covers the following expenses:

  • Hospitalisation Expenses

It covers both pre and post-hospitalisation expenses caused by medical treatment, illness/accident, follow-up treatments, etc.

  • Annual Health Checkups

Insurance providers in Hyderabad also offer free annual health checkups to the policyholder. 

  • Daycare Treatments

Most health insurance policies these days cover medical treatments that require less than 24-hour hospitalisations. 

  • Domiciliary Treatments

This includes coverage for treatments availed at the policyholder’s home in situations where hospitalisation could not be carried out.

We at HDFC Life, cover in-patient hospitalisation, pre- and post-hospitalisation expenses, daycare treatment, domiciliary expenses, and other costs like organ donor expenses and health checkups.

Things That Are Not Covered in Health Insurance Plans in Hyderabad?

You should have an idea about the things which are not covered even in the best health insurance in Hyderabad:

  • Surgeries which are not dangerous or life-threatening are not covered by health insurance policies. For example- Botox, Liposuction, or surgeries of a similar kind.

  • Some insurance providers do not cover pre-existing diseases. However, this depends on different insurance companies. Some policies cover these diseases in case you pay your premiums continuously for 12-48 months (depending on the provider).

  • Admission fees, registration charges, and service charges are typically not covered by medical insurance in Hyderabad.

  • Health insurance plans do not include health supplements until they are recommended by a medical practitioner while you are hospitalised

We at HDFC Life, do not cover HIV/AIDS, self-injury, cosmetic and dental procedures, injuries from war and riots, etc.

Things to Consider before Purchasing Health Insurance in Hyderabad?

Before buying a new health insurance these things should be considered for selecting the best health insurance in Hyderabad:

  • Sum Insured Amount

Being a metropolitan city, Hyderabad is very costly in terms of hospital bills. Therefore, the sum insured amount should be enough to cover all your medical bills. To get a higher coverage, you have to pay a higher premium. Always check the sum insured offered by a policy for a given premium amount. 

  • Type of Coverage

You must consider the type of coverage offered before opting for a new health insurance. For example, if you are unmarried, an individual plan will be ideal for you.  In case you have a partner and children, you may go for a family plan. Make sure that the policy covers all expenses you want to avoid paying. 

Reasons to Buy Health Insurance in Hyderabad

These are some vital reasons to buy health insurance in Hyderabad:

  • Financial Coverage

The best health insurance in Hyderabad provides you with strong financial support during medical emergencies. Unexpected hospital bills can destroy your current financial situation as quality treatment in metro cities is very expensive. Health insurance acts as a pillar to give you support and you won’t fall into a debt trap to avail treatments.

  • Tax Deductions

If you are a taxpayer, you can claim up to Rs. 25,000 under Section 80D on the premium paid towards a health insurance policy for yourself. You can get additional deductions for paying premiums for senior citizens. 

HDFC Life Insurance policies can be a great choice for you if you want to save taxes u/s 80C, 80D and 10 (10D)*.

Tips for Finding the Best Health Insurance Policy in Hyderabad

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

  • Right Policy Coverage

Your health insurance policy should cover ambulance charges, pre and post-hospitalisation cover, in-patient hospitalisation, critical illness cover, daily hospital cash benefits, cashless treatment, etc. 

  • Waiting Period Clause

Some insurance policies offer to cover your pre-existing diseases with a waiting period of 2 to 4 years. In such cases, inform the company about your disease and make sure to choose a policy with a short waiting period.

  • Room Rent Limit

To avoid extra room rent payments from your pocket, you should take a policy which gives you a higher room rent limit. This is because the private hospital beds in Hyderabad are very expensive.

What Is the Claim Procedure in Hyderabad?

The top insurance providers in Hyderabad provide you the benefit of cashless treatments:

At HDFC Life, we pay your medical bills directly to the network hospital. The policyholder does not need to pay anything since we will handle all the hassles. To claim cashless benefits, you need to follow either of these procedures:

  • Planned Hospitalisation:

If you inform us at least 5 days before your treatment, it will be considered a planned hospitalisation. In that case, first, you have to fill up the cashless claim form. After that, we will provide you with the confirmation letter and notify your network hospital. Submit this letter to the hospital on the day of admission.

  • Emergency Hospitalisation:

Emergencies like accidents need emergency hospitalisation of the patient. We understand the importance and will provide you with the cashless benefit with quick steps. Just carry documents like an insurance card, and a copy of your policy document to avail the service. 

Your hospital will fill out your cashless claim request form. Submit that document to us and we will settle your bills directly with the hospital after verifications.

How to Renew HDFC Life Health Insurance in Hyderabad?

We offer a wide range of online and offline options to renew your HDFC Life health insurance in Hyderabad. You can use online facilities, walk-in mode, and auto debit to renew your premium. We let you renew your policies using HDFC Life mobile app, net banking, bank transfer, Paytm, Policy Bazaar, Airtel Payments Bank, etc. 

What Are the Types of Health Insurance in Hyderabad?

These are some of the popular types of health insurance plans in Hyderabad:

  1. Individual health insurance

  2. Family floater health insurance

  3. Personal accident insurance 

  4. Critical illness insurance

  5. Mediclaim insurance 

  6. Senior citizen health insurance

Summing Up

Having health insurance in Hyderabad is a very important thing to safeguard your savings from uncertain emergencies. HDFC Life offers some of the best health insurance in Hyderabad. Visit our page to learn more about our insurance policies.

FAQs on Health Insurance in Hyderabad

Q1. Which health insurance is best in Hyderabad?

The best choice for a health insurance plan is subjective and depends on the benefits you are looking for. HDFC Life offers several options like HDFC Life Easy Health, HDFC Life Cancer Care, Click 2 Protect Optima Restore, etc. Take a look at the offerings and choose the best option for you. 

Q2. What are the features of the best health insurance in Hyderabad?

Best health insurance policies in Hyderabad offer you cashless hospitalisation, pre and post-hospitalisation, maternity benefits, health checkups, no-claim bonuses, etc.

Q3. What is the right age to buy health insurance in Hyderabad?

The right age to buy health insurance when your age becomes at least 18 or 20 and you have a source of income. Insurance companies in Hyderabad offer you low premium charges, cumulative bonuses, lifelong coverage renewability, etc., for taking health insurance at an early age.

Q4. Out of the many health insurance plans in Hyderabad, should I buy the cheapest one?

You should not buy life insurance only for the reason that it is the cheapest one. Always compare the sum insured and the insurance premium to select among the health insurance plans in Hyderabad.

Q5. Which is the best time to port my medical insurance in Hyderabad?

Insurance companies allow you to port only at the time of policy renewal. The best time is to submit the porting request at least 45 days before your policy renewal date.

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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.

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