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Health Insurance in Jalandhar

With Jalandhar relying heavily on private hospitals, even routine treatments can lead to high out-of-pocket expenses. Health insurance helps you access quality care in the city without worrying about rising medical costs.

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Health Insurance in Jalandhar
  • 22100+ Cashless Healthcare Providers^^
  • 74.5 Lakh+ Claims Settled Since Inception**
  • 24*7 Claim and Customer Support

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Yashita Sinha
Written by:
Yashita Sinha
Yashita Sinha
Yashita Sinha

Insurance Specialist Care Health Insurance

Yashita Sinha is a skilled and meticulous content writer who aims to add a unique perspective to every blog piece she delivers. Her curiosity and ambition keeps her going and thriving for becoming better personally and professionally. Sheโ€™s driven by making the most out of everyday and learning from her mistakes along the way.

check_circleReviewed by:
Nidhi Goyal
Nidhi Goyal
Nidhi Goyal

Insurance Expert Care Health Insurance

Nidhi comes with versatility in writing about education, health, motivation, and many more industries. Her 6+ years of experience make her competent at educating readers about insurance, and covering their health and travel insurance related queries.

Healthcare in Jalandhar: Facilities, Costs, and Challenges

Situated in the Doaba region, about 150 km from Chandigarh and well-connected to neighbouring cities, Jalandhar is a major trade and cultural hub in North India. It is a home to reputed educational institutions such as Dr B.R. Ambedkar National Institute of Technology (NIT Jalandhar) and is also known as the sports goods capital of India.

As the city continues to grow, so do the needs of its residents. Jalandhar offers a mix of private and public healthcare facilities. While public healthcare is affordable to all, it faces challenges such as inadequate medical supplies and doctor shortages. Hence, the majority of the population relies on private hospitals for treatment.

Although private hospitals offer quality and personalised medical care, they are expensive. Even a single hospitalisation for common illnesses in Jalandhar costs between โ‚น20,000 and โ‚น80,000, making it difficult for families to manage sudden medical expenses. Here, health insurance ensures that residents receive quality care without any financial burden.

Major Illnesses in Jalandhar and Their Treatment Costs

Knowing the disease prevalence helps select the right health insurance plan. The table below gives an idea about major illnesses in Jalandhar and their estimated treatment costs:

Disease Specific Illness Treatment Cost
Cardiovascular Diseases Heart Attack, Coronary Artery Disease Angioplasty โ‚น1.5 lakh – โ‚น4 lakh
Coronary artery bypass (CABG)
Valve replacement surgery
Cancer Breast, Lung, Oral, Prostate Cancer Chemotherapy (per cycle) โ‚น2.5 lakh – โ‚น30 lakh
Radiation therapy (per session)
Major cancer surgery
Kidney Disease Chronic Kidney Disease, Kidney failure Dialysis (per session) โ‚น2,000 – โ‚น5,000 (per session)
Kidney Transplant โ‚น5 lakh – โ‚น15 lakh
Liver Disease Liver Failure / Cirrhosis Liver Transplant โ‚น10 lakh – โ‚น20 lakh
Neurological Conditions Alzheimer’s Disease Long-term Medication & Care โ‚น40,000 per month

Note: These are only approximate costs and might vary depending on the type of hospital, doctor fees, duration of stay, and severity of the disease.

Types of Health Insurance in Jalandhar

Check out the types of health insurance plans you can choose from in Jalandhar, depending on your coverage needs:

Type Description
Individual Health Insurance Covers the medical expenses of an individual.
Family Floater Health Insurance Covers entire family in one plan.
Senior Citizen Health Insurance This plan is specifically for seniors and offers financial protection against age-related illnesses.
Critical Illness Insurance Offers coverage for treatment expenses of life-threatening diseases like Alzheimer’s and end-stage renal failure.
Personal Accident Insurance Covers medical expenses arising from injuries, disability or death caused by accidental injuries.

Best Health Insurance Plans to Consider in Jalandhar

Here are the plans we recommend in Jalandhar, keeping in mind the disease prevalence in the city:

Products USPs Who should buy it?
Heart Mediclaim • Global Coverage
• International Second Opinion
• Higher coverage
• No claim bonus up to 100% of SI
Best fit for individuals and families looking to safeguard themselves against heart-related ailments with added benefits like no claim bonus, international second opinion and global coverage.
Critical Illness Insurance • 32 critical illnesses covered
• Global & OPD Coverage
• Annual Health Check-up
• Ambulance Cover
Individuals and families seeking financial protection against critical illnesses like Alzheimer’s, cancer and kidney disease. Also, for those who seek benefits such as an annual health checkup, road ambulance cover, and OPD coverage.
Ultimate Care • Infinity Bonus
• Premium Payback
• Loyalty Boost
• Grace Period Coverage
Individuals and families seeking a plan that offers maximum financial protection and additional benefits such as grace-period coverage and loyalty rewards.

How Much Coverage Do You Need Jalandhar?

Deciding on the right coverage amount in Jalandhar requires evaluating factors such as age, lifestyle, number of dependents, pre-existing family conditions, and rising healthcare costs and disease prevalence in the city.

Currently, the major illnesses in Jalandhar include heart diseases and major critical illnesses like chronic kidney disease and cancer. To safeguard yourself against the high cost of treating such illnesses, a coverage amount of at least โ‚น10 lakh is recommended for individuals and โ‚น20-25 lakh for families.

What is Covered and Not Covered in Our Health Insurance Plan in Jalandhar?

Understanding the inclusions and exclusions of your health insurance plan is essential for a smooth claim experience. Here is a detailed breakdown of what our medical insurance in Jalandhar covers and the permanent exclusions you should be aware of.

  • Coverage
  • Exclusions
  • Ambulance Cover: Covers the expenses for emergency road ambulance services to transport the insured to the hospital.
  • Daycare Treatment: Includes medical procedures that require less than 24 hours of hospitalisation due to advanced technology.
  • AYUSH Treatment: Coverage for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy as per policy terms.
  • Advanced Medical Treatment: Covers modern medical procedures and robotic surgeries.
  • Pre and Post-Hospitalisation: Medical expenses incurred before admission and after discharge for a specified number of days.
  • Domiciliary Hospitalisation: Covers treatment taken at home if the patient's condition is severe or hospital beds are unavailable.
  • ICU Charges & Surgeries: Includes costs for Intensive Care Unit stays and various surgical procedures.
  • Cashless Treatment: Access to upfront-payment-free treatment across our wide network of hospitals in Jalandhar.
  • Doctor Chat & Health Services: Digital access to medical consultations and health-related support services.
  • Wellness Discounts: Special discounts on diagnostic tests, doctor consultations, and other healthcare needs.
  • Unlimited Automatic Recharge: Restoration of the sum insured if it gets exhausted during the policy year.
  • Cosmetic Surgery: Any surgery for aesthetic enhancement is excluded unless required due to an accident or injury.
  • Self-Inflicted Injuries: Treatment for injuries resulting from intentional self-harm or attempted suicide is not covered.
  • Maternity-related Expenses: Costs related to pregnancy, childbirth, or voluntary termination are excluded unless opted for as an add-on.
  • Sexually Transmitted Diseases (STDs): Medical expenses for the treatment of STDs are part of the permanent exclusion list.
  • War and Nuclear Perils: Hospitalisation arising from war, riots, or nuclear weapon-induced injuries is not covered.

Why is Care Health Insurance the Right Choice for You?

Choosing the right insurer is crucial for ensuring long-term coverage, and Care Health Insurance gives you exactly what you need :What is Covered and Not Covered in Our Health Insurance Plan in Jalandhar?

  • Round-the-clock support: Whenever you get stuck, we’re right there to help. Our customer assistance team offers 24/7 support, ensuring you feel prioritised.
  • Network hospitals: Care Health Insurance has one of the finest networks of more than 11, 600 hospitals where you can easily access cashless treatment.
  • Extensive coverage: From pre- and post-hospitalisation expenses to ambulance cover and everything in between, we offer extensive coverage to keep you protected at every step.
  • Smooth claim process: Our dedicated claims team ensures timely support during the claim process. So far, we have settled 17,534 claims in Jalandhar.

Procedure to File a Health Insurance Claim in Jalandhar

Depending on the type of hospital where your treatment happened, you can file two types of claims in Jalandhar: cashless and reimbursement. Here are the steps for each:

Cashless Claim Process Reimbursement Claim Process
Get admitted to any of our network hospitals. Pay the hospital bill upon discharge.
Fill out the pre-authorisation form at the hospital’s TPA desk and forward it to our claims team. Collect relevant documents, including the original hospital bills, discharge summary, and prescription.
Our team will review your request and see if additional documents are required. File a reimbursement claim and attach the documents.
After your documents are verified, you will receive the approval letter from the team. Our claims team will review your claim and the attached documents.
Your hospital bill will be directly settled with the network hospital as per the policy terms and conditions. After verification, the team will reimburse the claim amount in accordance with the policy terms and conditions.

How to Renew Your Medical Insurance Policy in Jalandhar

Here are the steps you can follow to renew your medical policy in Jalandhar:

Step 1: Visit our official website.

Step 2: Select the ‘Renew’ option located at the top-right corner.

Step 3: You’ll be redirected to the renewal page. Enter your details, such as your registered contact number and policy number.

Step 4: Review your policy details.

Step 5: Complete the payment to renew your policy and continue enjoying uninterrupted health coverag

Choose a health insurance plan in Jalandhar that keeps you prepared for rising medical costs and ensures access to quality care when it matters most.

Secure your health today, so you can focus on living without financial worries tomorrow.

Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.

Select from Our Best Health Insurance Plans in Jalandhar

Man Illustration
Look for best health plan that suits your need!
Preffered Product Image

Heart Mediclaim

Health Insurance Covering 16 Major Health Aliments

  • Cashless & Reimbursement Facility
  • Annual Cardiac health check-up
KNOW MORE
Product Image

Critical Illness Insurance

Health Insurance Coverage for 32 Critical Illnesses

  • Chemotherapy & Radiotherapy Cover
  • AYUSH Coverage
KNOW MORE
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Ultimate Care

India's First Money Back Health Insurance Plan

  • 100% Coverage Boost Upon Each Renewal
  • Tenure Multiplier for Multi-year Policy
KNOW MORE

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    Sulbha Ravindra

    format_quote The customer support is really good and fast. It made the experience of buying a family health insurance plan really hassle-free.

    Ganesh Kumar

    format_quote Good customer service by Nadeem ! Prompt answers to all the queries related to family health insurance product.

    Gopinathan Pillai

    format_quote It was an awesome experience. I have purchased my family health insurance policy using the app in 10 minutes. The app is so smooth. Keep it up.

    Avinash Tiwari

    format_quote Hassle Free insurance buying process. Highly Recommend Care.

    Priyanka Singh

    format_quote Excellent health insurance plan! Covers annual health check-up for all family members.

    Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

    Awarded As Claims

    Best Health Insurance
    Company of the Year*

    Total Claims Paid

    74.5 Lakh+ Claims Settled**

    Cashless Claim

    22100+
    CASHLESS HEALTHCARE PROVIDERS^^

    **Number of claims settled as of Dec 2024     *India Insurance Summit & Awards 2023

    FAQs

    Q. How soon can I start using my health insurance after purchase?

    You can start using your health insurance after the initial 30-day waiting period, except for accidents, which are covered from day one.

    Q. Can I increase my coverage amount later?

    Yes, you can increase your sum insured at policy renewal.

    Q. What if I miss paying my renewal premium?

    If you miss the renewal premium, you will have a 15 to 30-day grace period to renew the policy without losing benefits. With Ultimate Care, you can continue receiving coverage even during the grace period through an additional benefit of grace period cover.

    Q. Can I include my parents in the same health insurance policy?

    You can propose a family health insurance plan for them, which means they would be covered in the policy while the proposer pays the premium.

    Q. Can I choose any hospital for treatment?

    Yes, you can choose any hospital for treatment. However, seeking treatment at a network hospital makes you eligible for cashless treatment.

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