Introduction
Jaipur is the capital city of Rajasthan and is also the largest city of the state. The city is known for its rich culture and is a very popular tourist destination. It is fondly and more popularly known as the pink city. Its close proximity to Delhi and Agra makes it a part of the Golden Triangle for tourists to visit.
The health industry in Jaipur city has many public and private hospitals that are used to provide medical attention to the citizens of Jaipur. However, the reality is that the health sector needs a lot of improvement to be able to provide quality medical attention to every citizen of Jaipur.
This situation was further highlighted in the Covid 19 pandemic when there was a shortage of hospitals and essential medical supplies. While the health care infrastructure will take some time to reach the optimum level, it is essential for every citizen of Jaipur to have a good health insurance plan. This will help them safeguard themselves and their family members against any unforeseen circumstances or medical emergencies.
Given below are the details of a few pointers relating to health insurance in Jaipur.
Why does a person need health insurance in Jaipur?
A health insurance plan is a comprehensive medical insurance plan that is used to provide a safety cover to a person and their family members against any medical emergencies or against any major diseases or illnesses. These plans can provide a sense of relief to the insured person from the financial aspect of the hospitalization and the treatment costs.
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Although health insurance is essential for every person, there are only a fraction of citizens in Jaipur that have any form of a health insurance plan for themselves or their family members. It is estimated that overall, in the entire country, only about 20% of the population has a decent health insurance plan. This shows that there is a long way to go for general awareness regarding health insurance plans.
There are several reasons why health insurance plans are essential for every person in Jaipur. Some of such reasons are highlighted below.
Coverage provided by most plans
The coverage provided by most health insurance plans includes the cost of hospitalization, the cost of treatment, doctor fees, ambulance costs, cost of medicines, etc. This helps them get the necessary treatment without worrying about any charges.
Cashless medical treatment
Most insurers have a tie-up with the majority of hospitals in Jaipur. This benefit allows the insured person to have a cashless treatment at the network of hospitals. There is no need to pay any upfront cash payment at the time of hospital admission or anytime during the hospitalization of the insured person or any person covered under the health insurance plan.
Coverage for Covid 19 treatment
The recent pandemic has shaken every person has affected a significant portion of the population of the city. Having a health insurance plan can now get the insured person coverage against Covid 19. The cost of treatment whether at the hospital or a home treatment is covered under the health insurance plan along with the cost of essential supplies for the treatment like PPE kits, gloves, masks, ventilators, ICU charges, etc.
Maternity and newborn benefits
Most health insurance providers also provide for maternity cover as well as cover for the newborn child (up to the age of 18 years or 25 years as per insurer’s guidelines). These additional benefits can be included in the existing health insurance plan in the form of riders if they are not already provided.
Coverage for the cost of major surgeries and treatments
Health insurance plans also provide cover for any major procedures like organ transplants, treatment for major diseases or illnesses as per the insurer guidelines
Peace of mind to the insured person
Health insurance is one of the easiest ways to get peace of mind against any medical situation. Having health insurance in place will not put any burden on the insured person and their family.
What are the different types of health insurance plans available in Jaipur?
Individual Health Insurance Plan
This is among the most common health insurance plans also known as medical plans, that is available to customers. This plan helps in covering the medical costs of the individual. The insurer is also responsible for paying the medical bills of the insured person.
Family Floater Health Insurance Plan
As the name suggests, this plan is to provide health insurance cover for the entire family. The term family includes parents, children, and spouses under a single plan. The premium on such plans is based on the total number of people that are covered under the plan, the age and health conditions of the senior-most person included in the plan.
Disease-Specific Health Insurance Plan
These plans are in the nature of specific plans that are formulated especially for people that are prone to specific diseases either directly or indirectly. These plans do not have any age limits that have to be monitored for eligibility. If the person is diagnosed with the said disease, this policy will help in covering the costs from diagnosis to recovery.
Critical Illness Health Insurance Plan
This plan is used to cover life-threatening diseases like cancer, stroke, kidney-related ailments, etc. Such diseases require a great amount of medical attention. The cost of these treatments is huge are usually not covered under a standard medical insurance plan. These plans are usually a good option for people who have a history of critical illnesses in the family.
Senior Citizen Health Insurance Plan
Health insurance policies also provide separate plans for senior citizens. This is a better option as compared to a family floater plan as the coverage can be dedicated exclusively towards the senior citizens and the premium costs will also not be as high.
When a senior citizen is included in a family floater plan, the premium cost increases on account of many factors like age of the persons covered under the plan, number of family members covered under the plan, any pre-existing medical conditions, etc. These plans do have a high premium but the benefits provided outweigh the cost. Senior citizens can get multiple benefits like extensive coverage, multiple hospital visits, treatments, home treatments, medicines, etc.
Group Insurance Plan
This is the health plan which is offered by an employer to the employees. In this case, the organization takes a blanket policy for the entire staff. It is a standard health insurance policy with lower premiums and coverage. Usually, the coverage provided is to the tune of Rs. 5,00,000 and includes the family of the employee under the plan (provided it is approved by the employer and the insurer).
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FAQs – Health Insurance in Jaipur
1. What is the minimum age required to be eligible for a health insurance plan?
A. The minimum age required to be eligible for a health insurance plan is 18 years.
2. Can a newborn be included in the health insurance plan?
A. Yes, many insurers include a newborn under the existing health insurance plan. The underlying condition for the same is that the waiting period for the same will be 90 days from the time of the birth.
3. Can a group health insurance policy be converted to an individual cover?
A. Yes. Upon leaving the organization, the employee has the option to convert the group health insurance plan to an individual plan provided it is approved by the insurer.
4. What are the exclusions from a health insurance policy?
A. Exclusions are the pre-existing conditions or diseases where the insurer can be exempted from making the settlement of the claim.
5. Can a person have multiple health insurance plans?
A. Yes, a person can have multiple health insurance plans and they can all stay active provide the premium for all the plans is paid duly.