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As India’s busiest metro, Mumbai thrives economically but also faces a health crisis due to the rising lifestyle and vector-borne diseases in the city. Here’s how purchasing medical insurance in Mumbai can help protect you.
Reasons to Choose Care Health Insurance?
Mumbai, the city that never sleeps, is a bustling metropolis known for its vibrant nightlife, diverse culture, and fast-paced lifestyle. However, the high pollution levels, rising cost of living and traffic congestion in the city are some aspects that highlight the need for health insurance in Mumbai.
Considering the rising healthcare costs in the city, it is a long-term investment to secure the well-being of you and your family and provides financial protection against hefty medical expenses.
Here’s the breakdown of Mumbai’s overall health overview:
Here are some prominent features of health insurance policies in Mumbai:
This feature enables policyholders to receive cashless treatment at network hospitals without the need for upfront payments. Their insurer directly settles medical bills with the hospital.
This feature allows policyholders to receive a lump sum payment upon diagnosis of life-threatening diseases such as cancer or stroke.
Not making any claim in a policy year rewards you with the addition of bonus amount to your sum insured.
Coverage for medical procedures that do not require a 24-hour hospital stay, such as dialysis and chemotherapy.
Pre-hospitalisation expenses include diagnosis, consultations, and tests performed before hospitalisation. Post-Hospitalisation coverage includes expenses after discharge such as medications and follow-up consultations.
Many health insurance companies in Mumbai offer additional benefits at an increased premium. These benefits vary depending on the policy type.
The following are the eligibility criteria for health insurance in Mumbai:
Applicants must fall within the insurer’s specified age range, typically from 18 to 65 years. Some plans also provide coverage for children and senior citizens.
It is advisable to disclose any pre-existing diseases before purchasing the policy. Applicants become clear on the waiting periods.
Insurers might request the current health status of the applicant to decide the most suitable plan. Individuals in good health might qualify for better plans. However, health issues can impact premiums and coverage options.
Most health insurance companies would require income proof to check the financial ability of the applicant to afford policy premiums.
The major health problems prevailing in Mumbai include:
According to data released by5 Brihanmumbai Municipal Corporation (BMC) before World Diabetes Day in 2023, 60% of Mumbaikars are either overweight or at risk of obesity, making them prone to diabetes. This trend highlights the need for healthy lifestyle changes that help in managing a healthy weight.
In 2022, roughly 3 Mumbaikars succumbed6 to heart-related illnesses every hour as reported by BMC. This figure highlights the growing burden of cardiovascular diseases in the city, which continues to be the leading cause of mortality.
A 2023 study published by BMC revealed7 that nearly 1 in 3 Mumbaikars suffer from hypertension with a higher frequency among adults aged 40 years and above. The study also highlighted that lifestyle factors such as stress, high salt intake, and lack of exercise are the major contributing factors.
As of October 2024, the city8 recorded 12 deaths due to dengue. Health authorities further reported a 40% rise in cases from August to September, reaching 1,456. While the incidence of diseases such as leptospirosis and H1N1 showed a decline in September, mosquito-causing diseases such as dengue and malaria continued to rise.
Care Health Insurance offers a wide range of health insurance plans offering extensive coverage and financial security. Below mentioned are the types of health insurance plans in Mumbai offered by us:
Depending on your needs, here’s the list of types of health insurance in Mumbai that you can choose from:
| Type | Description |
|---|---|
| Individual Health Insurance | Offers personalized medical coverage for an individual. |
| Family Floater Health Insurance | Covers the medical expenses of the entire family under a single policy. |
| Senior Citizen Health Insurance | Customised coverage for individuals aged 60 and above. |
| Group Health Insurance | Offered by employers to their employees, covering them and sometimes their families. |
| Critical Illness Insurance | Provides coverage for life-threatening diseases such as cancer and heart stroke. |
| Personal Accident Insurance | Covers medical expenses in case of injuries, disability and death due to accidents. |
A medical insurance policy in a crowded metro like Mumbai comes with numerous benefits. Here are the top three ones;
The foremost benefit of buying a health insurance policy in Mumbai is financial protection against medical emergencies and hefty hospital bills. Considering the rise of lifestyle-related illnesses, vector-borne diseases, traffic congestion and numerous other factors, securing a financial safety net is a wise approach.
Sudden medical expenses can become a stress factor, especially for individuals belonging to middle-class families. A health insurance plan that offers comprehensive coverage against accidents, critical illnesses and other diseases offers mental relaxation, allowing you to focus on recovery without any burden.
Paying a premium on a medical insurance policy makes you eligible for receiving tax deductions under Section 80D of the Income Tax Act.
The following factors are covered in our health insurance plan in Mumbai:
Note: Refer to the policy documents for complete lists of coverage options.
The following factors are not covered in our health insurance plan in Mumbai:
The ideal medical insurance coverage in Mumbai depends on numerous factors such as medical inflation, healthcare costs, family size and lifestyle. Ideally, a coverage of 5 to 10 lakh would suffice for younger individuals in their 20s with no dependents. Whereas, for individuals in their 40s with pre-existing conditions, a coverage of 10 to 15 lakh would be appropriate.
On the other hand, if you’re looking for family health insurance, opt for a family floater plan with a sum insured between 15 to 30 lakh. Lastly, elderly individuals living in Mumbai should consider senior citizen health insurance with coverage between 10 to 20 lakh.
At Care Health Insurance, we prioritise quality healthcare above everything else. Our customisable plans are curated to offer comprehensive coverage during the time of need. Some top reasons for considering us as your health insurance provider include;
With a wide network of 21600 network providers, we ensure quality treatment without the immediate need for upfront payments. Our cashless treatment feature works out best for medical emergencies.
Having a record of settling the highest number of claims across cities, we promise the same credibility to Mumbaikars. Irrespective of the type of hospitalisation, we ensure a seamless claim settlement process.
Our health insurance policies offer a wide range of coverage including in-patient care, day care treatment, pre and post-hospitalisation expenses, road ambulance, organ donor, etc.
Buying our health insurance plans allows you to opt for numerous additional benefits as per your requirements. These include instant cover, room rent modification, newborn cover, smart select, annual health check-up and a PED wait period modification.
We offer rewards and bonuses to make your experience more valuable. These include Cumulative bonus, Cumulative bonus super, no claim bonus, wellness benefits, loyalty booster, etc.
The best health insurance company in Mumbai is the one that offers comprehensive coverage according to your needs. Here are some tips you can follow to find the same:
The foremost step to take before purchasing health insurance in Mumbai is to carefully evaluate your insurance needs according to your age, medical history, budget and existing conditions. This step further helps you choose the policy that aligns with your financial and healthcare goals.
Choosing a health insurance company with a high settlement ratio provides peace of mind that your insurance claims will be sorted. The CSR rate above 95% is considered trustworthy, as it indicates that the company has a strong track record of settling claims promptly and fairly.
Network Hospitals have tie-ups with health insurance companies, allowing you to avail of cashless treatments. These hospitals provide seamless access to quality healthcare without the need for upfront payments. Choose the insurance company that has network hospitals in your vicinity for a hassle-free experience.
Calculate the premium of your health insurance using a health insurance premium calculator offered by insurance companies. The premium varies as per the sum insured you’ve chosen. Using the calculator helps you estimate the premium cost based on your coverage needs and personal details.
Buying a health insurance policy in Mumbai, which offers comprehensive coverage, goes a long way in easing the financial burden. It gives a bigger safety net that can be used during emergencies and life-threatening diseases.
Exclusions include situations, diseases, medical procedures and treatments that are excluded from health insurance policies. Knowing about these would help you filter the policies that align with the aspects you're seeking financial protection for, thus enabling a more informed decision.
A waiting period is the timeframe in which you cannot avail claims after buying a health insurance policy. It is highly recommended to opt for a policy having a minimum waiting period to ensure you receive adequate coverage during emergencies.
At Care Health Insurance, we ensure a seamless and hassle-free experience of filing both types of claims: cashless and reimbursement. Let’s understand the difference between the steps for both with the help of the following table:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Fill out the pre-authorization form available at the hospital’s TPA desk and send it to our claim management team. | Inform your health insurance provider about your hospitalisation at a non-network hospital. |
| Submit the required documents along with the form. | At the time of discharge, pay the bill upfront and collect the relevant documents. |
| Our claim management team will verify your pre-authorization form and submitted documents. | After discharge, file a reimbursement claim and attach the collected documents. |
| After the verification process, we’ll share the approval letter for cashless treatment. | After document verification, you’ll receive the approval letter from our team. Lastly, your medical expenses will be reimbursed in your bank account post-claim approval. |
| Domiciliary Hospitalisation | Maternity-related expenses |
Here are the steps to apply for a health insurance policy in Mumbai:
Carefully analyse your insurance needs according to your age, lifestyle, and health status. This step helps you choose a plan that aligns with your requirements.
After deciding the type of health insurance policy you need, look for health insurance companies in Mumbai that offer the same. Now, shortlist plans from different companies and compare them based on premium amount, features, network hospitals, benefits and rewards.
As a part of the process, you will be required to collect necessary documents such as identity proof ( Aadhar card, PAN card), address proof and medical history.
After collecting the necessary documents, apply online by visiting the insurer’s website. Fill in the required details in the form, upload the documents and make the payment to complete the process.
Here are the steps you need to follow to renew your health insurance policy in Mumbai:
Note: Once you receive the renewal confirmation, you can continue receiving the benefits of the policy. You also get the option to port it to another suitable plan at the time of renewal.
Ideal for families looking for capless coverage
Health insurance for domestic and global coverage up to 6 crore
Health insurance for elderly with no pre-policy checkup.
| Name | Address | City | State | Pincode | Map |
|---|---|---|---|---|---|
| A R Hospital Orthopaedic And Icu | New Era Talkies, S V Road | Mumbai | Maharashtra | 400064 |
 |
| Aadhar Hospital | Swarmala Chs Rsc 02 Plot No 40, Malwani 8,Malad | Mumbai | Maharashtra | 400095 |
|
| Aaradhya Healthcare Hospital | Gr & 1St Flr, Aarpee Chambe Behind Times Square | Mumbai | Maharashtra | 400059 |
|
| Aarogyada Multi Super Speciality Hospital | C Wing Grd First Flor Veydaanta By Neelyog | Mumbai | Maharashtra | 400087 |
|
| Aarush Ivf And Endoscopy Centre | A Wing, Prathamesh Harmony Gautam Buddha Lane, | Mumbai | Maharashtra | 400064 |
|
| Aashirawad Hospital | Om Shradha Tower,Pune Link Road, Near Jari Mari Gate, | Mumbai | Maharashtra | 421306 |
|
| Aastha Health Care | Mulund Colony, Off L.B.S Marg,Opposite Indian Oil Petrol Pump, | Mumbai | Maharashtra | 400082 |
|
| Aastha Hospital | 65,Bala Sinor Society, S.V Road, | Mumbai | Maharashtra | 400067 |
|
| Aastha Hospital | 250/3351 Group No 2 Tagore Nagar Vikhroli East | Mumbai | Maharashtra | 400083 |
|
| Aastha Maternity And Nursing Home | 1St Floor Bhoomi Rendency Triveni Nagar Kurar Village | Mumbai | Maharashtra | 400097 |
|
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.
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48 Lakh + Claims Settled**
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CASHLESS HEALTHCARE PROVIDERS^^
**Number of claims settled as of 30th March 2024 *India Insurance Summit & Awards 2023
Disclaimer:
~Tax benefit is subject to changes in tax laws. Standard T&C Apply.
^^Number of Cashless Healthcare Providers as of Feb 2025
**Number of Claims Settled as of 31st March 2024
#Premium calculated for an individual (Age 18) for sum insured 7 Lakhs in Zone 1A cities with Care Supreme Policy.
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Claim and Customer Support
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Insurance Claims Settled**
2 hours
Cashless Claims Approval
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