Considering the health statistics in Mumbai, we have observed certain critical trends:
Time and again Mumbai has witnessed several water-borne ailments like leptospirosis and cholera, especially during monsoons
Mumbai is witnessing a steep and steady rise in non-communicable lifestyle ailments like hypertension and diabetes, principally due to sedentary and unhealthy lifestyle
Respiratory ailments are also increasing due to the rise in pollution levels
The fast lifestyle of the city has aptly contributed to the rise in mental health issues like anxiety, depression, etc.
Like all other cities in India, be it a metro one or not, Mumbai is also a serious victim of increasing pollution. This has resulted in the steep rise of several health issues even in children.
Considering the steep medical inflation rate, the city’s medical treatment costs are comparatively much higher than several other cities. Although Mumbai is a destination to avail of top-notch medical care and treatments, you must be ready to pay the price.
So, to ensure your health and finances together, you have to buy health insurance in Mumbai. This will not only protect your health but will ensure efficient finance management.
If you buy health insurance in Mumbai, you will witness certain typical features:
Wide coverage of network hospitals: Cashless network hospital in Mumbai is very enriched.
High-sum insured options: Considering the steep medical inflation and high medical healthcare costs, you can witness high-sum insured options to ensure ample coverage for expensive medical procedures.
Pre- and post-hospitalisation coverage: Most health plans in Mumbai typically allow pre- and post-hospitalisation coverage.
Critical illness coverage: If you buy health insurance in Mumbai, several insurers here offer critical illness coverage either as an add-on or as a part of the basic plan. This is very handy, especially in the urban areas.
Maternity and neonatal coverage: Considering the high cost of maternity coverage, especially in the metro cities, several health plans in Mumbai offer maternity coverage, including the immunisation costs of the newborn.
Some of the most highlighting benefits of buying health insurance in Mumbai include:
If you are seeking to purchase the best health insurance policy, you have to compare health insurance in Mumbai. You need to consider certain critical factors like:
Overall budget: You must always consider your budget while purchasing health insurance in Mumbai. Your health plan must be an asset and not a burden. Considering the high standard of living costs, this assessment is highly essential.
Utilising health insurance premium calculator: This is one of the best tools to assess the exact premium amount and plan your budget accordingly.
Choose optimum coverage: Ensure that you comprehend the coverage limit of all the plausible health plans. It must cover the premium amount, pre- and post-hospitalisation cover, doctor’s consultation charges, etc.
Check waiting period: The waiting period for every PED is different under every plan and insurer. Ensure proper clarification before proceeding to purchase.
Eligibility criteria check: Before buying any health insurance product, always check and clarify the eligibility criteria essential for purchasing. It varies from one plan to another.
Network hospital: Mumbai being one of the largest cities in the country, houses several standard hospitals and healthcare facilities. Therefore, the availability of network hospitals under cashless health insurance in Mumbai is very high and easy.
Customer reviews: First-hand experience reviews cannot be faked. Before buying any health plan, you must always consider the customer's experiences and reviews to get a clear picture.
As a Mumbai resident, if you are seeking the best health insurance coverage for yourself and your family, you must consider if your chosen plan offers,
Although health insurance plan affordability is highly essential, considering Mumbai to be one of the most expensive metro cities in the country, a very low sum insured will not suffice. It will not meet your requirements in real-time and will eventually result in financial drainage.
To avoid such circumstances, it is best to compare health insurance in Mumbai to understand the scenario well and make a concrete and favourable decision. Ideally, if you are over 40 years of age, your sum insured amount should be at least 3-5 times your current annual income. It may vary according to age and other associated factors, like the number of family members, PEDs, medical history, etc.
Some standard inclusions under health insurance in Mumbai are:
Treatment costs: Any standard health plan in Mumbai will cover room rent, doctor’s charges, nursing costs, etc. along with other miscellaneous charges, incurred during hospitalisation.
Pre- and post-treatment costs: Several health insurances in Mumbai allow pre- and post-treatment coverage up to a pre-defined specified tenure. This includes medicine costs, pre- and post-treatment diagnostic costs, etc.
Ambulance charges: Any expenses incurred due to ambulance transportation of the beneficiary get covered.
Domiciliary costs: Domiciliary treatment costs are also covered under most health plans. This ensures that you receive proper medical care and treatment even at home.
Some standard exclusions of health insurance in Mumbai include:
Cosmetic procedures: Any beauty-enhancing treatment processes that are medically non-essential are excluded.
Dental treatment costs: Dental treatment costs are usually not covered by health plans unless it is necessary under any accidental circumstance.
Health issues due to over-consumption of drugs or alcohol: Any treatment essential for over-usage of illegal substances like drugs, alcohol, smoking, etc. not covered.
Obesity treatment costs: Bariatric surgery or other obesity treatment costs usually aren’t covered by health plans.
Other exclusions: Some other standard exclusions include self-inflicted injury, STDs, and health issues arising due to involvement in adventure activities or hazardous activities.
Although the list of cashless network hospitals in Mumbai is very extensive and varies largely according to insurer, certain standard inclusions are:
This is a comprehensive account of health insurance in Mumbai. You can buy health insurance in Mumbai online or offline, depending on your preference and requirements. However, maintaining at least one health plan is critically essential to ensure efficient financial management and effective health protection.
