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Indore is one of the most prominent cities in the state of Madhya Pradesh. It is home to a rich culture and is also known as one of the many food destinations of the country. The city is also the most populous city in Madhya Pradesh and has been selected in the first round to be developed into a smart city.

The city has a good network of many public and private sector hospitals. Citizens can get their medical needs taken care of in these hospitals. But access to these hospitals is still not possible to all the citizens of Indore. These may be due to many constraints like financial difficulties, unavailability of hospital beds or required medicines, etc. Health insurance can be quite useful in such cases as it reduces the burden of the patients and their family members for medical expenses. It is therefore essential for every citizen in the city to get good health insurance for themselves and their family members.

Given below are the details related to the health insurance in Indore.

What is Health Insurance?

Health insurance is one of the three most common types of insurance available in India. The other two forms of insurances are life insurance and general insurance. This insurance is used to safeguard the insured person against medical expenses in case of any emergencies or for any serious diseases or illnesses. This type of insurance covers the cost of treatment, medicines, hospital costs, doctor fees, and other similar expenses.

Additional Reading: How-to-buy-health-insurance

Who is eligible for health insurance in Indore?

Health insurance can be availed as a safety net against any kind of medical emergencies by any person in Indore for themselves or for their family members. There are multiple types of health insurance plans that can be available for individuals depending on their needs and their coverage requirements. Applicants can inquire about the health care plans from their insurance providers or can review the plans on the website of the insurer. The eligibility criteria for the health insurance plans are different for every insurer, However, the general eligibility requirements for any health insurance plan can be highlighted below.

Age of the applicant

The age of the applicant is the first point of review for any health insurance provider. The general age requirement for any health insurance provider is between the age bracket of 18 years to 65 years. Some health insurance providers also provide health insurance plans to applicants up to 70 years of age. Health insurance plans can also be extended to a newborn child. The waiting period for such inclusion is 90 days. Children can be included in the plans till they achieve 18 years of age or  25 years in some cases.

Medical test

Health insurance also requires the applicants to undergo a medical test before being approved for a health insurance plan. This medical test is especially stringent for a person over the age of 60 years.

Pre-existing medical conditions

Most insurers have a list of pre-existing conditions that are excluded from the ambit of health insurance claims. This list is different for every insurer. An applicant having any of the medical conditions from this list is not eligible for having a health insurance plan.

Additional Reading: All about health insurance in India

What are the factors needed to considered while comparing health insurance plans?

There are multiple health insurance providers available for the citizens of Indore. These health insurance providers also host multiple health insurance plans. Applicants can compare these plans based on a few factors to ensure that they get the best plan for themselves and their family members.

Some examples of these factors are mentioned below.

Compare the plans based on the coverage provided

The first step of comparing a health insurance plan is to compare the coverage provided by the insurer. Applicants should prefer a health insurance provider that can provide them with maximum benefits.

Check for the premium to be paid and the flexibility of the premium to be paid

The premium to be paid is also an important factor to be considered while selecting a health insurance plan. Applicants should prefer a plan that provides them with maximum flexibility in paying the premium. As well as has a lower premium amount for the coverage that is provided.

Check for the reputation of the insurer

The reputation of the insurer is one of the prime factors to be considered while buying a health insurance plan. The reputation of the insurer will include the factors like the claim settlement ratio, facilities that are provided by the insurer, etc. Applicants will have to review the reputation of the insurer before making the decision to buy a health insurance plan. This will help them in avoiding any hassles at the time of the claim settlement process.

Review the customer experiences

Applicants can also consider the past experiences of the previous customers of the insurer. This is an important step that should not be missed by the applicants. Such customer experiences can be easily reviewed online on many portals.

Review the claim process of the insurer

Another important factor to be considered is the claim settlement process of the insurer. If the claim settlement process of the insurer is too cumbersome or is subject to many technical terms and conditions that may exempt them from making the claim, such an insurer can be avoided.

FAQs – Health insurance in Indore

1. Who can buy a health insurance plan?

A. Health insurance plans can be bought by any individual for themselves or their family members in Indore. Many organizations provide health insurance plans for their employees. These plans are known as Group Health Insurance Plans.

2. What is a waiting period?

A. Waiting period is the time from the point the health insurance plan is taken till the time it comes in force or active.

3. Can health insurance plans be taken online?

A. Yes. A person can take health insurance plans either online or by simply visiting the nearest office of the insurance provider.

4. Can health insurance provide coverage against Covid 19?

A. Yes. As per IRDAI, the health insurance covers will have to provide coverage against Covid 19. There are Covid specific plans as well that are provided by the insurers.

5. What are the various types of health insurance that are provided by the insurers?

A. Some of the health insurance plans that are provided by the insurers are

  • Individual Health Insurance
  • Family Floater Insurance
  • Critical Illness Cover
  • Senior Citizen Health Insurance
  • Group Health Insurance
  • Maternity Health Insurance
  • Personal Accident Insurance
  • Preventive Healthcare Plan

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