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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.

Additional Reading: Should-you-buy-top-up-health-insurance

What is health insurance?

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.

  • Individual Health Insurance Plan
  • Family Floater Health Insurance Plan
  • Critical Illness Health Insurance Plan
  • Disease-Specific Health Insurance Plan
  • Group Insurance Plan
  • Senior Citizen Health Insurance Plan

Additional Reading: Top-6-insurance-changes-in-india-due-to-the-covid-19-pandemic

What are the eligibility requirements for health insurance in Ludhiana?

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.

Additional Reading: 15-must-know-features-and-benefits-of-health-insurance-plans

What are the steps to get health insurance in Ludhiana?

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.

Offline mode

  • The offline mode of getting health insurance is the traditional model, i.e., getting a health insurance plan by visiting the office of the insurer and applying for a plan there.
  • The applicant can get the required information about the available health insurance plans that suit him or her from the office itself.
  • The next step is to select the required plan as per the needs of the applicant
  • After that, the applicant will have to submit the necessary documents to prove the eligibility as per the required guidelines.
  • The applicant can finally make the payment at the branch through a cheque or through a bank transfer as per the insurer’s policy in this regard.
  • The health insurance taken will come in force after the completion of the waiting period.

Online mode

The online mode of getting health insurance is through

  • The website of the insurer
  • Sending an SMS for enquiry of plans and requesting a callback from the insurer
  • Requesting a callback through the customer care of the insurer

The steps for buying a health insurance plan through the website of insurer are stated below.

  • The first step is to visit the website of the insurer
  • The applicant can browse for the available health insurance options and select the one that meets their requirements correctly.
  • The next step is to submit the necessary documents to verify the eligibility of the applicant
  • Post submitting the documents, the applicant will be required to make payment for the plan selected. This payment can be made through any of the available online payment modes.
  • After making the payment, the policy will be purchased by the applicant and will come into force after the completion of the stipulated waiting period.

FAQs – Health Insurance in Ludhiana

1. What are some of the ways to get a health insurance claim?

A. Some of the health insurance claim procedures are highlighted below,

  • Expense reimbursement where the cost of treatment and hospitalization is reimbursed by the insurer
  • Cashless treatment where the hospital has a tie-up with the insurer and the cost of treatment is settled by the hospital with the insurer.

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,

  • Approved pre-existing medical conditions
  • Hospitalization expenses
  • Pre and post hospitalization expenses
  • Ambulance charges
  • Maternity and newborn benefits
  • Health check-ups
  • Expenses of the donor in the event of organ transplant

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,

  • The reputation of the insurer
  • Reduced waiting period
  • Number of members that are included in the plan
  • Renewability of the plan
  • Easy top-up of the existing plan
  • The coverage provided by the insurer
  • The premium to be paid and the frequency of the premium to be paid
  • Access to cashless hospitalization
  • Customer feedback
  • The easy portability of the health insurance plan

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.

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