With rising medical costs, even a small visit to the hospital can be expensive. That’s why having a good health insurance plan is no longer a luxury; it's a necessity. Whether you are a young professional, a parent, or a senior citizen, health insurance in Gurgaon can help you stay financially secure during medical emergencies.
Read on to discover why health insurance is important, its benefits, different types of plans and how to buy or claim them easily.
Why do you need health insurance in Gurgaon?
With top hospitals like Medanta, Fortis and Max Healthcare, you can get world-class treatment in Gurgaon. Here's why health insurance in Gurgaon is essential:
- Rising medical costs: A single hospital admission can cause a significant financial burden, especially in private hospitals where charges for treatment, tests and hospitalisation can add up quickly.
- Urban lifestyle illnesses: Fast food, stress and pollution increase the chances of health conditions like diabetes, high blood pressure, or heart disease.
- Frequent air pollution: Bad air quality can cause asthma, lung infections and other respiratory problems.
- Access to private hospitals: Health insurance plans enable you to select top private hospitals for high-quality care.
- Tax benefits: Under Section 80D of the Income Tax Act, you may claim deductions on the premiums paid for the insurance policy.
Benefits of health insurance in Gurgaon
A good health insurance policy offers many advantages, including the following:
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Benefit
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Description
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Cashless hospitalisation
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Most plans offer cashless treatment in network hospitals. You don’t need to pay upfront.
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Pre and post-hospital expenses
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Covers tests, consultations and medicines before and after hospital stays.
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Daycare procedures
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Covers minor surgeries that don’t need 24-hour admission.
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Ambulance charges
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Many policies cover ambulance transport in emergencies.
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Maternity & newborn cover
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Some policies offer coverage for delivery and the baby’s early medical needs.
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Annual health check-ups
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Yearly health check-ups help in the early detection of illnesses.
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No claim bonus
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If you don’t make any claims in a year, you may get increased cover without extra cost.
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Tax savings
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Premiums paid qualify for tax deductions.
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Types of health coverage in Gurgaon
The different kinds of health insurance available in the city are.
1. Individual health insurance
Individual health insurance is made to cover the medical expenses of a single person. It is best suited for young working professionals or individuals without dependents.
2. Family floater plan
A family floater plan provides health insurance coverage for your entire family under one policy. It is a cost-effective option if you wish to cover yourself, your spouse, children and parents in a single plan.
3. Senior citizen health insurance
This type of health insurance is specifically designed for individuals aged 60 and above. It typically provides more comprehensive coverage for age-related illnesses.
4. Critical illness insurance
Critical illness insurance provides financial support against life-threatening diseases such as cancer, kidney failure, stroke, or heart attack. A one-time payment is given to the insured, which they can use for treatment or recovery costs.
5. Top-up plans
Top-up plans are an additional layer of protection over your existing health policy. They offer higher coverage at a relatively lower premium and are ideal if your current insurance cover is not sufficient.
6. Group health insurance
This is usually offered by employers to their employees. While the coverage may be limited, it is a valuable benefit.
How to buy/renew health insurance in Gurgaon?
Here's how you can buy or renew a health insurance policy in Gurgaon:
Buying a new policy
- Visit insurance comparison websites to review and compare available health plans.
- Carefully analyse the sum insured, types of illnesses covered and the list of network hospitals included.
- Read the policy terms like waiting periods, exclusions and any co-payment requirements.
- Fill application form with personal and medical information.
- Some health insurance plans may require medical check-ups, especially if you are older or have any existing health conditions.
- Pay the premium and receive policy documents.
Renewing a policy
- Use online renewal options on the insurer’s website or app.
- Go to the ‘Renew Policy’ section, enter your details and pay the required premium.
- You can also visit the insurer’s branch.
How to make health insurance claim in Gurgaon?
Follow these steps to make a claim:
1. Cashless claim
- Visit a hospital included in your insurer’s approved network.
- Provide your health card, valid ID proof, and policy number.
- The hospital sends a pre-authorisation form to the insurer for approval.
- Once the claim is approved, you can receive treatment without having to pay the hospital bills upfront. The insurer then settles bills directly with the hospital.
2. Reimbursement claim
- You can visit any hospital, including those not in the insurer’s network.
- You must pay all medical expenses at the time of treatment and ensure you collect all original bills, prescriptions and medical reports.
- After treatment, submit a claim with your insurer and provide necessary documents.
- Once the insurer reviews the documents, the claim amount is transferred to your bank account.
Conclusion
Having a health insurance plan in Gurgaon is one of the best financial decisions you can make. It protects you and your family from sudden medical bills and ensures you get the best treatment without financial stress.
FAQs
1. Can I include my parents in my health insurance plan?
Yes, many family floater plans allow you to include your parents. However, if they are older, it may be better to choose a separate senior citizen health insurance for better coverage.
2. What happens if I forget to renew my policy on time?
If you miss the renewal date, your policy may lapse and you could lose benefits like no-claim bonus or continuity for waiting periods. Some insurers offer a grace period, so it's important to act quickly.
3. Can I buy health insurance without medical tests?
Yes, many policies don’t require medical tests if you are below 45 and in good health. Always check with the insurer.
4. Do health insurance policies cover regular doctor visits or OPD expenses?
Some health insurance plans offer add-ons or optional features that cover outpatient department (OPD) expenses, including consultations, medications and diagnostic tests.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.