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Ludhiana is one of the biggest cities in the state of Punjab. It is also an industrial hub in the state and has been referred to as the Indian Manchester by BBC. The city was founded by the Lodhi Dynasty and has a rich culture and historical importance too. The city was among the many cities that have been included in the list of smart cities to be developed across the country.
The health sector in the city needs a lot of improvement to provide adequate and timely medical attention to all its citizens. The city has many private as well as government hospitals but the reality of the health care infrastructure was brutally exposed in the recent pandemic. In such a case, health insurance is one of the tools that can be effectively used by the citizens to get access to timely medical attention as well as protect them from the perils of rising medical costs.
Given below are the details related to health insurance in the city of Ludhiana.
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Health insurance is one of the many insurances available to the citizens of Ludhiana. These plans are easily available with more than 25 insurers in India and there are over 200 options for the same. Health insurance provides protection against medical emergencies and ensures that the insured person does not have to wait for any unnecessary formalities or financial difficulties in getting prompt and required medical attention.
There are many types of health insurance available in India that the applicants can choose from depending on their specific needs and the coverage requirements. Following are the types of health insurance available in India.
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The eligibility parameters of every insurer are different based on their guidelines subject to the underlying conditions laid down by IRDAI. Some of the basic eligibility requirements as per every insurer are mentioned below.
Age of the applicant
The age of the applicant is one of the strongest eligibility conditions for the sanction of a health insurance policy. The usual age requirement is a minimum of 18 years and 65 years (70 years in case of some insurers). The age of the applicant is also useful in determining the premium to be paid for the coverage required.
Pre-existing medical conditions of the applicant
Insurers require the applicants to meet the eligibility with respect to any of the pre-existing medical conditions as per the insurer’s guidelines. If the applicant has any of the pre-existing conditions, then they are not eligible for the health insurance policy.
Medical tests of the applicant and their family members
The medical conditions of the applicant are also relevant for eligibility for a health insurance plan. This requires the applicant (and their family members in case of a family floater plan) to undergo thorough medical tests to determine their eligibility.
Besides these basic eligibility parameters, the insurers also require the applicants to meet the documentation requirements as per their guidelines. The documentation required by most insurers includes the basic KYC documents, proof of income, a medical certificate issued by the competent authority, etc.
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The residents of Ludhiana can easily get health insurance through online or offline modes as per their convenience. The details of each of such modes are mentioned below.
The online mode of getting health insurance is through
The steps for buying a health insurance plan through the website of insurer are stated below.
1. What are some of the ways to get a health insurance claim?
A. Some of the health insurance claim procedures are highlighted below,
2. What are some of the basic inclusions of a health insurance plan?
A. Some of the basic inclusions in a health insurance policy are mentioned below,
3. Is it necessary to compare health insurance plans?
A. Yes, there are many insurers that provide a huge range of health insurance plans. It is, therefore, necessary to compare these plans in order to get the optimum plan for the applicant and their family members.
4. What are the factors to be considered in getting a health insurance plan?
A. There are several factors that have to be considered while getting a health insurance plan. Some of these factors are mentioned below,
5. How many family members can be included in a family floater plan?
A. The number of family members that can be included in a family floater plan depend on the guidelines of the insurer.