Often known as the ‘city that never sleeps,’ the constant hustle of Mumbai leads to an unhealthy lifestyle. On top of that, increased pollution and the rising prevalence of critical diseases make handling healthcare costs an expensive affair for most people.
This is where health insurance in Mumbai becomes essential. Such policies can help significantly reduce out-of-pocket expenses during medical emergencies, ensuring unrestricted access to quality healthcare.
Read more to learn the tips for choosing the best health insurance plans and why it is needed!
Ways to Find the Best Health Insurance in Mumbai
Finding the best health insurance in Mumbai needs some thoughtful consideration. Here are them:
- Opt for Maximum Coverage
While choosing health insurance policies, you should opt for the maximum coverage. It will help you get comprehensive coverage for all types of medical expenses, from hospitalization to diagnosis and consultations to treatments.
- Check your Eligibility.
Insurance companies in Mumbai usually have specific eligibility criteria that the policyholders need to meet in order to get coverage. They are usually based on the individual’s age, medical history, lifestyle habits, etc.
- Analyze your Budget.
Before finalizing a policy under health insurance Mumbai, knowing your financial limits is essential. It is recommended that you choose a policy having a premium amount that you can easily pay without straining your budget.
- Calculate your Insurance Premium
You can use health insurance premium calculators to check the amount you need to pay every month. It will help you compare the premium amount of different medical insurance Mumbai so that you can choose the best plan.
- Check the Insurer’s Reputation
Checking the insurer’s reputation is crucial when choosing the best mediclaim policy in Mumbai. You can check the insurance company’s online reviews and claim settlement ratio before selecting.
- Check for the Network Hospital’s List
Health insurance companies in Mumbai empanel some hospitals as their network from which policyholders can claim cashless treatment. You can check the list to ensure whether your nearest hospitals are empanelled with the insurance company.
Why is Health Insurance Needed in Mumbai?
Here are some of the reasons why citizens of Mumbai must buy health insurance policies:
- Get Access to the Best Healthcare Facilities
Getting top-notch healthcare facilities from the best hospitals is costly in Mumbai. However, the best health insurance in Mumbai can provide cashless treatment benefits from famous medical institutes. This allows you to get quality treatment without major out-of-pocket costs.
- To Cope with the Increasing Health Expenses
Improving healthcare infrastructure, the higher cost of living and other factors tend to contribute to the rising medical expenses. Thus, sudden healthcare needs can ruin your savings and deprive you of the required medical care. Having medical insurance can help you cope with such issues.
- Protect your Family.
A family floater health insurance plan will cover your entire family’s healthcare needs. So, you don’t need to buy separate health insurance plans for different members of your family. Only a single plan is enough to provide coverage to all the members while keeping the premium amount within your budget.
What are the Major Health Issues in Mumbai?
Some of the major Mumbai health issues are:
- Liver Failure
Since 2021, the death rate in Mumbai has increased by 17% due to liver failure. Excessive alcohol consumption to maintain an exciting city life is one of the main reasons for liver diseases. The best health insurance policy in Mumbai covers the treatment costs for liver problems or transplants.
- Diabetes
Another prevalent health condition in Mumbai is diabetes, which can get worse over time. Besides, it can lead to severe cardiovascular issues if not taken care of on time.
- Cancer
Mumbai’s air pollution, sedentary lifestyle, chain-smoking habits among the masses, etc., is the main reason for cancer. According to reports, more than 10,000 deaths in Mumbai are caused due to cancer.
Health insurance companies in Mumbai, like Star Health Insurance, offer special insurance schemes to cover cancer treatment costs.
- Dengue
Mumbai is a coastal city, which is why water logging is common during the monsoon season. Stagnant water serves as a breeding ground for mosquitoes, leading to diseases like dengue. As per reports, in 2023, 4500 dengue cases have been reported in Mumbai.
Considering the severe health concerns in Mumbai, health insurance policies have become an inevitable requirement for all citizens. The best health insurance policies in Mumbai, like the ones offered by Start Health, enable you to get comprehensive coverage starting at just ₹13/day.
Contact us today for a personalized quote!
FAQs about Best Health Insurance Plans in Mumbai
1. Is maternity coverage included in all health insurance plans?
No, maternity benefits are not included in all plans. However, insurers like Star Health Insurance offer maternity coverage.
2. Are pre-existing conditions covered under health insurance?
Most policies have a waiting period (typically 2-4 years) before covering pre-existing conditions. However, some plans may offer a reduced waiting period at higher premiums.
3. Is buying the cheapest health insurance plan worth it?
The cheapest health insurance plan can save you money, but it is of no benefit if it cannot cover your health care needs. So, opt for a plan that suits all your medical needs.
