Health Insurance in Bangalore

Bengaluru, also commonly known as Bangalore, is a city full of employment opportunities, especially when it comes to the information technology sector. Also known as the Silicon Valley of India, Karnataka’s capital city Bangalore is densely populated with more than 1 crore people living there. It is the third most populous city in India. As the city is densely populated, certainly the pollution levels are high and hence, the residents face high risks. Also, the city’s reserve of clean and usable water is reducing due to untreated sewage mixed with waste products. It is also predicted that by 2025, the place will not be fit for living. Hence, one of the things that people living in Bangalore need on priority is a health insurance plan with adequate coverage, that can help them save expenses in case of a health emergency.

Health insurance for people living in Bangalore is beneficial in the following ways:

1. Cover For Hospitalisation Expenses: Health insurance plans in Bangalore cover the insured against hospitalisation expenses thereby keeping him/her stress-free even in difficult times.

2. Tax Benefits: Premium-paid for health insurance plans in Bangalore are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

3, Critical Illness Cover: People insured under health insurance plans in Bangalore are generally covered for critical illnesses. But it varies from plan to plan.

4. Ability to Save Money: Health insurance plans let the insured save money. They offer a cashless treatment facility wherein the insured does not have to pay anything at the hospital after availing of the required treatment.

Inclusions Under Health Insurance Plans in Bangalore

Health insurance plans in Bangalore cover the insured against the following:

• Road ambulance expenses
• ICU room rent expenses
• Hospitalisation expenses including coronavirus
• Pre-hospitalisation expenses
• Post-hospitalisation expenses
• Organ donor expenses
• Domiciliary hospitalisation expenses
• Cover for specified daycare procedures

Exclusions Under Health Insurance Plans in Bangalore

Health insurance plans in Bangalore do not cover the insured against the following:

• Waiting period
• Cosmetic surgery
• Dental treatments unless required due to an accident
• New or alternative treatments
• Damages due to war and nuclear weapons

Things to Know When Buying Health Insurance in Bangalore

Following are the things one must be aware of before buying health insurance in Bangalore:

1. Zone: Understanding zones is important to understand the cost associated with health insurance in Bangalore. Insurance companies generally classify cities into three zones namely Zone A, Zone B, and Zone C, where Zone A cities are the costliest and Zone C cities are the most affordable ones. Bangalore is a Zone B city.

2. Need for Health Insurance: The traffic and road conditions in Bangalore are not considered to be safe especially when driving your own vehicle. Apart from accidents, there are other illnesses and diseases that the residents suffer from, increasing the need for treatment at private hospitals. Therefore, people should own a health insurance plan to save themselves from financial losses in case of an emergency.

3. Type of Health Insurance Plan Required: Health insurance should be selected after thoughtful planning. People living alone in Bangalore can opt for individual health insurance plans whereas those who live with their families must go for family floater health insurance plans.

How to Buy Health Insurance Online in Bangalore?

People living in Bangalore can purchase health insurance at InsuranceDekho in online as well as offline modes. Both the ways are simplified and help you buy health insurance within a few minutes.

Given below are the steps to buy health insurance in online mode:

1. Visit insurancedekho.com and click on the ‘health’ tab.
2. Select your gender. Enter your Name and Mobile Number. You will get a One Time Password on that number, please enter that.
3. Answer ‘When do you want to buy the policy’ by selecting an option from the drop-down menu. Click on ‘View Quotes’.
4. If you want to include family members under the policy, then add them and select the family members you wish to add along with yourself. Click on ‘Continue’.
5. Select the age of the family members you wish to include.
6. Enter your Email ID and City. Then click on the ‘Submit and View Quotes’ button. You will see the most suitable quotes as per the information given. Click on the policy you wish to buy.
7. Select the policy period for the shortlisted health insurance plan. Enter the required details. Lastly, pay the health insurance premium online via any mode that is convenient.
8. To purchase health insurance in offline mode, contact the customer care executives at InsuranceDekho.

It is imperative for people living in Bangalore to timely buy adequate health insurance cover. It will not only protect them in case of an illness or an accident but also keep them stress-free.