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Delhi, the city and national capital territory is one of the oldest Indian cities. With its rich historical, cultural and political heritage, the city is always bustling with activity. Delhi is divided into Old Delhi (the historic city) and New Delhi (the capital of India). Delhi has many historical monuments, like The Red Fort, India Gate, Parliament House, Qutub Minar and so on.

As such, Delhi is at the forefront of national and international political and tourist activity. This has given rise to increasing air and vehicle pollution in the city giving its residents numerous health problems. This has prompted many key health insurance providers like Royal Sundaram, TTK Health, Reliance Insurance, to name a few; to come up with viable health insurance plans with attractive terms. Let us explore health insurance in Delhi to understand the importance of health insurance in the city.

Additional Reading:  What is the concept of Health Insurance?

Delhi has a lot of activity going in, so people from nearby places come to Delhi for their livelihood. Increasing vehicular traffic leads to air and vehicle pollution impacting the health of its residents significantly.

Being the capital city of India and the hotbed of national and international activity, Delhi has many state-of-the-art world-class quality healthcare facilities. There are many insurance providers in the city who have tie-ups with major hospitals in the city for providing the best medical treatment in a hassle-free manner. The uncertainty entailed by the ongoing Covid-19 pandemic crisis has also shown the importance of having a health insurance plan in place. Having a health insurance plan is therefore crucial for maintaining the health of the residents of Delhi, as this aids in reducing medical costs and improving their overall well-being.

Additional Reading: What are the different types of Health Insurance Plans?

The Importance of Health Insurance in Delhi

Like major cities in India, Delhi, the capital city of India, is also subject to increasing health issues of its residents due to increased air, water and vehicle pollution. Respiratory issues, dengue and malaria are common health challenges faced by its people on a regular basis. The cost of living in Delhi is high, so medical costs are also on the rise.

Though there is quality health care available in the city, it is hard for the common people to get access to such expensive medical care. On the other hand, demand for health insurance has increased. So, the best option for the residents of Delhi to be financially secure to deal with any type of medical emergencies would be to have a good health insurance plan in place. Various health insurance companies in Delhi are now available that provide the policyholders cashless claim facilities with their tie-up hospitals. This lets the policyholders avail quality medical treatment in Delhi without having the need to worry about costs.

The health insurance companies also provide various insurance coverage for meeting their overall hospitalization expenses.  Health insurance plans are offered for individuals and families, which include senior citizens. Specific insurance coverage for instance for critical illness and personal accident policies are also available for the people of Delhi.

Consider Additional Reading: Importance of Health Insurance

Best Health Insurance Providers in Delhi

  • Care Health Insurance: The company has over 4100 tie-ups with leading hospitals across India and has 3 branches in Delhi. It has partnered with major hospitals in Delhi, including, Aakash Hospital A-One Hospital, Action Cancer Hospital and so on.
  • ICICI Lombard General Insurance: With seven branches in Delhi. ICICI Lombard has also tied up with key hospitals in the city, which include  Sant Parmanand Hospital, J P Memorial Hospital, National Heart Institute and R G Stone Urology & Laparoscopy Hospital.
  • Royal Sundaram General Insurance: The company has one branch in the city with its network hospitals including Bhatia Hospital, Bhagwati Hospital, National Heart Institute etc.
  • Future Generali India Insurance: Future Generali operates two branches in Delhi. It has partnered with major hospitals in Delhi including  Fortis Healthcare Ltd., Garg Hospital, to name a few prominent ones.
  • HDFC Ergo: One of the major insurance providers in the country, HDFC Ergo has 119 network hospitals in Delhi. This includes Aastha Hospital, Amar Leela Hospital, and Agrawal Nursing Home. The company operates f five branches in Delhi.
  • Reliance General Insurance: With tie-ups around 4000 hospitals across India, Reliance General Insurance has also 7 branches in Delhi. The major hospitals with which the company has partnered with A-One Hospital Pvt. Ltd, Action Cancer Hospital and Amit Nursing Home.
  • Bajaj Allianz General Insurance: The insurance provider has two branches in Delhi, with network hospitals in including Delhi Heart and Lung Institute, MGS Hospital to name a few major ones.
  • Apollo Munich Health Insurance: This is a major insurance provider in Delhi with six branches in the city. Its network hospitals in Delhi include Action Cancer Hospital, City Hospital, Indraprastha Apollo Hospital, Indian Spinal Injuries Centre, Jeevan Anmol Hospital, to state a few major ones.
  • TTK Health Insurance: The company collaborates with major hospitals in Delhi which include Arya Hospital, Aggarwal Nursing Home, Amar Leela Hospitals to name a few. It operates one branch in the city.
  • Bharati AXA General Insurance: The company has opened five branches in Delhi. The major hospitals with which the company has tie-ups in Delhi include Aditya Varma Medical Centre, Swastik Hospital, Hans Charitable Hospital, Action Cancer Hospital, Bhatia Hospital, to name a few.

Additional Reading: How to select the best health insurance provider?


Delhi has seen a tremendous rise in the health complications of its residents over the years due to the rising levels of air, water and vehicle pollution in the city. This has prompted several quality health care facilities to come up in Delhi. However, the cost of availing the medical treatment in most of such ultra-modern medical facilities are expensive. To help the residents of Delhi tide over these huge medical costs, many major health insurance providers of India have opened branches in the city and tied up with major hospitals in Delhi. This would enable the residents to avail quality medical care at an affordable cost.


1. Is health insurance mandatory in India?

There is no such law currently in India which states that health insurance is mandatory for all its residents. However, going by the nature of rising health complications of the people in the country and rising overall costs, it is prudent for one to go in for a health insurance cover. This would help one to meet all their medical costs in a stress-free and affordable manner.

2. Can I avail multiple health insurance policies at one time?

Yes, a policyholder can go in for various health insurance policies at one time if they have the necessity and financial capability to pay timely premiums.

3. In case of hospitalization, if my policy lapses what can be done?

If your health insurance policy lapses during your hospitalization, then always inform your insurance company about the policy lapse. Nowadays, with advanced technology, most insurance companies verify all the facts quickly, consider such emergency situations and continue providing you with the health insurance coverage as per your original policy, once you pay the difference in premium and other penalty fees.

4. What constitutes the health insurance premium factor?

Health insurance companies consider various factors like age, medical history, type of insurance plan, add-on covers, sum assured and such related factors for deciding the amount of health insurance premium for a particular plan.

5.Why is a health insurance policy so important?

Buying a health insurance plan helps to protect you and your family members from any kind of medical emergency. However, one should be careful about which plan to choose as per their medical need basis. By paying a nominal amount as a premium, one can get comprehensive coverage on their medical needs like hospitalization, nursing care, consultation fees, medical check-ups and hospital accommodation through these policies. A cashless insurance facility is also available where the insurance provider will take care of all your medical expenses at the time of hospitalization at their network hospitals.

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