Health Insurance in Pune

Types of Health Insurance in Pune

The table below shows the list of health insurance plans in Pune from which you can choose according to your current needs.

Health Insurance Products that you Can Opt in Pune

As a major metro city, Pune is witnessing a rise in lifestyle-related conditions like diabetes and hypertension. Treating these conditions can be expensive and might require frequent hospital visits. A comprehensive health plan with adequate coverage and wellness benefits can help manage these expenses ensuring long-term financial protection. Here are some of our products you can consider:

Benefits of Buying Medical Insurance in Pune

Here are the top benefits of buying medical insurance in Pune;

Financial Security

A medical emergency comes unannounced. Living in a city like Pune is already expensive, and unexpected medical expenses can add an unnecessary financial burden. This is where having health insurance in Pune acts as a protective shield, keeping your savings intact.

Peace of Mind

Rising medical expenses in Pune have made quality healthcare affordable only to the privileged segments of the population. However, with a health insurance policy by your side, you can avail of specialised treatment at your closest network hospital.

Tax Benefits

Under Section 80D of the Income Tax Act, paying the premium on a medical insurance policy makes you eligible to avail the benefit of tax deduction. This is another significant benefit of having health insurance in Pune.

What is Covered under Care Health Insurance in Pune?

Our health insurance plan covers the following aspects in Pune and other Indian cities:

• Day Care Treatments
• Annual Health Check-up
• Ambulance Charges
• In-patient Hospitalisation
• Domiciliary Hospitalisation
• Advanced Medical Treatment
• Coronavirus Treatment
• 60-Day Pre and 90-Day Post-Hospitalisation

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

What is Not Covered in the Care Health Insurance Plan in Pune?

Below is the list of permanent exclusions in our health insurance plan in Pune and other Indian cities:

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

Care Health Insurance Branches in Pune

Locality	Address	Phone	Map Location
Shivaji Nagar	Office No 501, 502 and 515 (A+B) 5th Floor City Mall Ganesh Khind Road Shivaji Nagar, Pune, Maharashtra -411007	9289454807
Pune Camp	“Aditi Commerce centre”, Cantonment S R no 290, Office no 504, 2536, East Street, Pune Camp, Pune, Maharashtra -411001	9289454808
Village Pimpri waghire	Unit No. 01, 3rd floor, “MSR Capital” and situated CTS No. 5864, S. No. 36,Hissa no. 3+4+7A+7B+8/1A/5,village Pimpri waghire, Pune, Maharashtra -411017	9289454809
Vimannagar	Platinum Square “ Phase I, office no 905, 9th Floor, Plot no 3, Near Hyatt Hotel, Vimannagar, Pune, Maharashtra -411014	9289454810
Hadapsar	Survey No.225/6B, 3rd Floor, Office No.301,Ramkrishna Plaza, Pune-Solapur Road, Hadapsar, Pune-411028	9289454824
Narayan Peth	Office/Multipurpose Hall No.50,51,52,53 on 2nd Floor, City Jewel Building, 709, Narayan Peth, Laxmi Road, Pune-411030	9890020496
Kothrud	Bearing no 402 on the Fourth floor B Junction Next to Kothrud post Office Near karve statue Kothrud Pune Maharashtra-411029	9289454824

How Much Health Insurance Coverage Do You Need in Pune?

Being aware of the coverage before purchasing health insurance in Pune goes a long way toward choosing the right plan. It depends on several factors, including your needs, age, existing medical conditions, disease prevalence in the city, and medical inflation.

If you’re looking for an individual health cover in Pune, a coverage amount of ₹10–15 lakh would suffice. Whereas, if you wish to cover your family members, opt for the minimum coverage of ₹20–25 lakh. Given the city's rising medical costs, opting for a super top-up of ₹25 lakh to ₹1 crore can provide additional financial protection.

Why is Care Health Insurance the Right Choice for you?

At Care Health Insurance, we offer tailored plans that provide exceptional healthcare services and adequate coverage to Pune residents. Here are some top reasons for choosing us as your health insurance provider:

• Quality Healthcare at Top Network Hospitals: With an enormous network of more than 21700 hospitals, we ensure you receive timely, high-quality treatment without financial burden.
• Rewards and Bonus: Take advantage of numerous rewards and bonuses, including cumulative bonus, cumulative bonus super, no claim bonus, wellness benefits, loyalty booster, etc.
• High Claim Settlement Ratio: We understand medical emergencies can be stressful and therefore ensure a smooth claim process. So far, we have settled 3,74549 claims in Pune.
• Additional Benefits: Choose from a range of add-ons to suit your needs. These include clever select, instant cover, room rent modification, newborn cover, annual health check-up, and PED wait period modification.
• Comprehensive Healthcare Coverage: Get comprehensive coverage, including inpatient care, day care treatment, pre- and post-hospitalisation expenses, road ambulance, and organ donation.

Reasons to Buy Online Health Insurance in Pune

Buying a health insurance policy online in Pune eliminates lengthy, tedious paperwork and is more cost-effective than purchasing offline. Here are the top reasons to consider;

• Chance to compare multiple plans: The foremost reason to buy a health insurance policy online is the ease of comparing various plans and choosing the one that best fits your needs.
• Quicker, seamless process: Buying health insurance online lets you skip the paperwork required to purchase or renew your policy.
• Hassle-free Experience: You can easily access and manage your policy anytime and anywhere without the need to visit the insurance office in person.

Tips to Find the Best Health Insurance Company in Pune

Finding a suitable health insurer in Pune can be daunting. However, following these steps will help you choose the right fit.

• Evaluate Your Insurance Needs: Before choosing any insurance company, it's essential to assess your needs. It helps you choose the plan that best suits your needs. This process involves assessing your age, medical history and existing conditions.
• CSR Rate: CSR stands for Claim Settlement Ratio. While comparing insurance plans from different companies, choose the one with a high claim settlement ratio. Companies with a claim settlement rate above 95% are considered good.
• Budget: Preparing a budget before purchasing a health insurance plan simplifies your selection process. It helps you narrow your options and choose the ones that offer the most coverage within your budget.
• Check the Network Hospitals: These hospitals have tie-ups with insurance companies and offer cashless treatment. Choose the option with the most network hospitals in your area.
• Use Health Insurance Premium Calculator: Using an online health insurance premium calculator, calculate the premiums of multiple insurance plans and choose the one that seems like the best fit.
• Maximum Coverage: It’s a more intelligent choice to choose insurance companies that offer comprehensive coverage for personal accidents, critical illness, and heart disease. This ensures that you have enough financial cushioning.
• Know Exclusions: Exclusions refer to the situations/diseases/treatment and medical procedures which are not covered under health insurance policies. Therefore, it’s significant to read the exclusions before buying health insurance in Pune.
• Check Waiting Period: The period during which insurance companies don’t allow you to file claims. Choose a policy with a minimum waiting period to ensure you have the coverage you need during emergencies.

Steps to File a Claim in Pune

We have a streamlined claims process for our health insurance plans to keep you stress-free. You have two options while filing a claim:

How to Renew Your Medical Insurance Policy in Pune?

Your policy is valid for one financial year, and you need to renew it after that period if you want to continue with the advantages of the coverage. You can renew your policy online or offline at your convenience. To renew your policy offline, visit the branch office in Pune. To renew online, follow these simple steps:

• Visit the official website of Care Health Insurance and click on the renew tab.
• Fill in the required fields like policy number, DOB and contact number.
• Verify the captcha and click on the let’s renew tab.
• This will redirect you to the payment page where you need to pay the premium amount.
• Complete the payment process and receive the renewed policy documents on your registered email id.