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Introduction

New Okhla Industrial Development Authority, commonly known as Noida, is a planned urban city. Replete with concrete jungles, express highways, major IT companies, skyscrapers, flyways, and huge landscaped parks, Nodia is every urbanite’s delight.

With green trees lined along the roads, the city has nearly 50% green cover and is considered to be India's greenest city. Still, rampant urbanization has led to rising air, water and vehicle pollution in the city. This has increased the health complications of its residents. There are many good hospitals in the city providing quality healthcare. However, they are expensive.

Many health insurance providers have now come up with comprehensive insurance plans to help the people of Noida meet their medical exigencies in an affordable way. The key insurance providers operating in the city are Religare Health Insurance, Max Bupa Health Insurance, HDFC Ergo, Care Health Insurance, Bajaj Allianz Health Insurance to name a few. Let us thus evaluate the importance of having a health insurance plan for the people of Noida.

Additional Reading:  What is the concept of Health Insurance?

Noida is an urban city, with its residents mostly in the higher income bracket. This means the residents have access to a high lifestyle, which has, in turn, increased health issues for them. The growing air, water and vehicle pollution have only added to their health woes.

Noida has many good quality healthcare centres. Though these hospitals provide the best treatment, still the cost of availing of such treatment comes at a high cost. Now, the city has various health insurance companies that have a list of such network hospitals for ensuring the health insurance policyholders can get the best treatment by paying affordable health insurance premiums. The Covid-19 pandemic has also increased the need for a good health insurance policy to cover urgent medical emergencies in a hassle-free manner. Going in for health insurance coverage is the best way to deal with such medical emergencies for the people of Noida. This would help them to save huge on medical expenses and improve their general well-being.

Additional Reading: What is Health Insurance?

Why is Health Insurance so important in Noida?

The growing seeds of urbanization have made the planned city of Noida an urbanite’s paradise but this has also led to increasing levels of pollution in the city. The health issues faced by its residents on account of air, water and vehicle pollution has only increased over the years with respiratory problems, diabetes, hypertension, illnesses like dengue and malaria only adding to the health issues of the people. Noida is an expensive city so the cost of availing medical-related expenses is also expensive.

The city of Noida boasts of the best health care facilities but these come at a heavy price. The increased health demands of its population have also increased making key health care insurance providers come up with strategic tie-ups with these hospitals.

Insurance providers have also come up with various attractive insurance plans for the people of Noida. These policies would help the residents of Noida to be able to meet their medical emergencies in a prudent and secure way. A cashless facility is also a key feature of most health insurance plans.

Going in for a cashless facility insurance plan helps the policyholder to get the best medical treatment in a medical emergency without the need to worry about having cash in handy.  Overall hospitalization expenses are covered by the health insurance plans, namely, hospitalization, nursing care, consultation fees, diagnostic charges, medical check-ups and hospital accommodation and so on. These policies are available as single or family floater policies which include senior citizens. Critical illness and personal accident policies are also available under specific insurance coverage.

Consider Additional Reading: Why is Health Insurance Important for Everyone?

Important Points to be considered before purchasing Health Insurance in Noida

Several health insurance companies like Religare Health Insurance, Max Bupa Health Insurance, HDFC Ergo, Care Health Insurance, Bajaj Allianz Health Insurance to name a few prominent insurance companies which are operating in Noida. These companies vary in the terms and conditions offered on their health insurance plans, so one needs to be very careful while selecting a health insurance plan. A potential policyholder should compare the health insurance plans of various insurance companies and then select the plan which is best suited to meet their medical requirements and also their premium repaying capacity. All the pros and cons of a particular health insurance plan should be carefully weighed down before choosing the final insurance plan in Noida.

Key Things to Consider while choosing Health Plans in India

  • Ensure that the sum insured gives proper medical coverage to meet all the medical expense requirements of you and your family.
  • Always ensure to go through the health insurance plan document carefully before signing the dotted line.
  • Choose a health insurance plan which provides you with network hospitals in the nearby vicinity of your home, so as to avoid unnecessary travel during a medical emergency and get the best treatment in the nick of time.

Additional Reading:  Key considerations about Health Insurance

Cashless Treatment Option at Noida

In case of a medical emergency, one may have to get admitted to a hospital immediately. During such a situation, due to want of cash, their medical treatment may get affected, causing undue stress to the family. To avoid such stressful times, going in for cashless health insurance is considered a good option as there is no need to worry about footing the hospital bills in an emergency.

Under a cashless treatment facility, the insurance company at Noida would take care of your hospitalization bills by interacting directly with their network hospital. Key health insurance players like Bupa Health Insurance, HDFC Ergo, Care Health Insurance, Bajaj Allianz Health Insurance and others offer cashless health insurance facilities. This is available for planned hospitalization as well as emergency hospitalization.

For availing cashless treatment facility in Noida, follow the below-mentioned steps.

  • Go for a network hospital in your locality, that has a tie-up with the insurance provider, and one that provides cashless treatment
  • Fill and sign the pre-authorization form and submit the same
  • Provide the particulars of hospitalization to your health insurance company about having availed of the cashless facility
  • Provide documents as required by the health insurance company, if any
  • The claim management team from the health insurance company undertakes necessary verifications
  • On approval, the insurance company settles the specific medical bills of the policyholder with the network hospital


Additional Reading: List of Leading Health Insurance Companies in India

Conclusion

Noida – an urban city with its various ultra-modern facilities has seen increasing health issues in its people owing to an increase in air, water and vehicle pollution in the city. With health care being a prime concern for the residents of Noida, various health insurance companies have come up with great health insurance schemes. This would help the people of Noida to avail best medical facility at a reasonable cost.

FAQs

1. Who should be intimated during a medical emergency?

A medical emergency of you or your family member is a stressful time. If one has a cashless treatment facility as part of their health insurance plan, then you just need to contact your health insurance company or the administration team at the concerned hospital. The insurance provider will then take care of all the medical expenses formality with the network hospital. If you have not opted for a cashless facility, then you need to contact the customer care of your health insurance company for understanding the procedure for reimbursement of medical expenses.

2. Can I avail health insurance claims that do not require hospitalization?

That would be dependent on the type of health insurance policy. Some policies provide coverage for daycare treatments, which do not require hospitalization while others do not provide daycare treatments. Some common daycare treatments include angiography, colonoscopy, chemotherapy, cataract surgeries, radioscopy, and so on.

3. What is the maximum number of claims allowed in a calendar year?

There is no such restriction as to the number of claims which can be made by a policyholder during a policy year. However, it should be noted that the total amount of claims cannot exceed the sum assured in the policy year.

4. What is meant by a health card?

A health card is like an identity card issued by the health insurance provider when one applies for a health insurance plan. The identity card has the contact details for calling during an emergency. It also contains details about the policyholder like name, policy number, and related information.

5. Can a foreigner avail health insurance policy in India?

Yes. There are many health insurance companies in India that provide health insurance coverage to non-Indian nationals also.

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