Health Insurance in Delhi

Types of Health Insurance in Delhi

The table below explains the types of health insurance available in Delhi, so you can choose the one that best suits your needs.

Best Health Insurance Plans to Consider in Delhi

How much Coverage do You Need in Delhi?

While deciding the amount of coverage you need in a metro city like Delhi, it’s important to keep certain factors in mind. These factors include age, pre-existing conditions, number of dependants, medical inflation and disease prevalence in the city.

Delhi continues to face a high burden of respiratory illnesses, vector-borne diseases, and lifestyle-related conditions such as diabetes and hypertension. Given the high cost of private hospitals in the city, an individual coverage amount of at least ₹10 lakh is recommended.

For families, medical expenses can multiply due to higher room rents and multiple members. Hence, a family floater health cover ranging from ₹20 lakh to ₹1 crore can provide stronger financial protection.

Benefits of Buying Medical Insurance in Delhi

With rising medical costs and health emergencies, buying health insurance is not a choice but a necessity. Here are some key benefits of having medical insurance in Delhi:

• Financial Security: Sudden health issues can create a financial burden on individuals and families, especially for the middle class. Having medical insurance in Delhi covers your medical expenses, easing your financial burden.
• Peace of Mind: With a medical insurance policy in a bustling metro like Delhi, you can be assured that your savings will not get used up in paying for burdensome medical bills. Rest assured, you can focus on your recovery without worry.
• Tax Benefits: Under Section 80D of the Income Tax Act, you can claim tax deductions on the premiums paid for health insurance. These are applicable to both individual and family floater plans.

What is Covered in Our Health Insurance Plan in Delhi?

Here’s the list of factors covered under our health insurance plan in Delhi and other Indian cities:

• Annual Health Check-up
• Ambulance Charges
• Day Care Treatments
• In-patient Hospitalisation
• Domiciliary Hospitalisation
• Advanced Medical Treatment
• Pre and Post-Hospitalisation

Note: For complete lists of coverage options, refer to the policy documents.

What is Not Covered in Our Health Insurance Plan in Delhi?

Take a look at permanent exclusions in our health insurance in Delhi to ensure a smooth claim process later:

• Cosmetic Surgery
• Maternity-related expenses
• Self-Inflicted Injuries
• Sexually Transmitted Diseases (STDs)
• War, riots or nuclear weapon-induced hospitalisation

How Much Health Insurance Coverage Do You Need in Delhi?

Evaluating your required coverage amount before purchasing health insurance in Delhi helps in filtering the plan that aligns with your requirements. The amount of coverage you need while living in Delhi depends on several factors such as whether you’re looking for individual coverage or family coverage. Also, your age, lifestyle, existing medical condition and the increasing healthcare expenses in Delhi are the additional factors that decide the ideal coverage amount. To make an informed decision, it is advisable to compare various policies based on the types of diseases covered, network hospitals, claim settlement ratio, critical illness cover, etc.

Why is Care Health Insurance the Right Choice for You?

At Care Health Insurance, we offer highly reliable, customizable plans that meet the evolving needs of Delhi-NCR residents. Here are some solid reasons for choosing us as your health insurance provider;

• Quality Healthcare at Top Network Hospitals: With a network of more than 22,100 hospitals, we ensure you receive quality treatment without any delays.
• Comprehensive Healthcare Coverage: Our health insurance policy offers a wide range of coverage including inpatient care, day care treatment, pre- and post-hospitalisation expenses, road ambulance, organ donor, etc.
• Smooth Claim Settlement: We understand that medical emergencies can be stressful, so we ensure a smooth claim process. So far, we have settled 5, 29,634 claims in Delhi.
• Additional Benefits: You can choose from numerous add-ons as per your needs. These include instant cover, PED wait period modification, annual health checkup and claim shield.
• Rewards and Bonus: Cumulative bonus, wellness benefit, loyalty boost and premium payback.

Care Health Insurance Branches in Delhi

Locality	Address	Phone	Map Location
Azadpur	107-108 situated at 1st floor at Kundan Bhawan Commercial Complex, Azadpur, Delhi-110033	9289454688
Green Park Ext	S-13, Green Park Ext., OPP Uphaar Cinema, New Delhi -110016	9289454689
Dwarka	Shop N0 12 and 13, Second Floor, Manish Mega Plaza, Plot no 13, Secto-5, MLU Pocket, Dwarka, Delhi-110075	9289454690
Janakpuri	Flat no 301, DDA Building no 5, District Centre, Janakpuri, New Delhi, Delhi-110058	9289454691
Laxmi Nagar	Office No.415-416, 4th Floor, Roots Tower, Plot No.7, District Centre, Laxmi Nagar, New Delhi-110092	9289454692
Nehru Place	5th Floor, 19th Chawala House,Nehru Place,New Delhi, Delhi - 110019	9289454693
Rajendra Place	2nd Floor , Office no 202 & 203, Prabhat Kiran, Rajendra Place, New Delhi-110008	9289454695
Connaught Place	Unit no 216,218 and 220, 2nd Floor, Antriksh Bhawan,22, Kasturba Gandhi Marg, Connaught Place, New Delhi-110001	9289454814
Shahdara	1/337, First floor, Main G. T Road, Shahdara, UCO Bank Building, Delhi-110032	8527916611
Vasant Vihar	Building No 38,II floor Community Centre Basant lok Vasant Vihar New Delhi -110057	9599540624
Kirti Nagar	SCO - B-12 Tagore market, Kirti Nagar, New Delhi-110015	9319272189
Paschim Vihar	Office number 218, LSC DDA Market, A-6 Block, Paschim Vihar, New Delhi-110063	9205087357
Rohini	Office No- 431, 4th Floor, SG Shopping Mall Community Center, DC Chowk Sector 9, Rohini, Delhi 110085	9811736172
Naraina Industrial Area	C-190, 2nd floor, Northern side Phase1, Naraina Industrial Area, Delhi-110028	9205089662
Lajpat Nagar II	First Floor of L-96, Lajpat Nagar II, New Delhi-110024	9811736172

Tips to Find the Best Health Insurance Company in Delhi

Here are some tips to find the best health insurance company in Delhi:

• Evaluate Your Insurance Needs: Start by assessing your medical history and existing conditions. This will further help you choose a policy that aligns with your financial and healthcare goals.
• Budget: Prepare a budget for how much you can invest in health insurance and then select an affordable plan that offers comprehensive coverage without straining your monthly budget.
• Check the Network Hospitals: These hospitals have tie-ups with insurance companies and allow you to avail yourself of cashless treatments. Checking the list of network hospitals will help you find those available in your area.
• Use Health Insurance Premium Calculator: Use health insurance premium calculators to calculate the premiums of the shortlisted plans. Choose the one that aligns with your budget.
• Maximum Coverage: Look for insurance plans offering comprehensive coverage to have a bigger financial safety net to fall back upon. Opt for policies that offer critical illness coverage to protect against serious health conditions.
• Read Exclusions: Go through the list of exclusions beforehand to avoid the chances of claim rejection before you opt for medical insurance plans in Delhi.
• Check Waiting Period: Insurance companies don’t allow you to avail of claims for a specific period after purchasing a policy. This is known as a waiting period. Opt for a policy with a minimum waiting period to ensure coverage when needed. Availing benefits in less time.
• Check Eligibility: Review the policy terms and conditions to understand the eligibility criteria, including age limits, pre-existing conditions, and other requirements set by the insurer.

Steps to File a Cashless and Reimbursement Insurance Claim in Delhi

Being one of the best health insurance companies in Delhi, we offer both reimbursement and cashless claim options:

How to Renew Your Medical Insurance Policy in Delhi?

Since medical insurance in Delhi is valid for only a year, you will need to renew your policy to continue availing its benefits. Here is how you can seamlessly do the same;

• Step 1: Visit our official website
• Step 2: Click the Renew tab in the top-right corner. You will be directed to a new page.
• Step 3: Enter your details, such as policy number, contact number, etc.
• Step 4: Verify the policy details, including the premium amount.
• Step 5: In the payment section, pay the renewal premium using any secure payment method.

Once you receive the renewal confirmation, you can continue availing of the insurance benefits. Also, you can customise the policy or port it to another suitable plan at the time of renewal.