Our capital, Delhi is the 2nd most polluted city in the world - the PM 2.5 particles are the most prevalent in the environment. PM particles (Particulate Matter) are tiny air pollutants, like dust, smoke, and soot. PM2.5 and PM10 refer to particles smaller than 2.5 and 10 microns, which can penetrate deep into the lungs and affect health. Other than air pollution, the citizens of Delhi are often complaining about breathing complaints and lung-related contingencies.
Furthermore, the city is known for its health infrastructure and various initiatives like Mohalla Clinics. Health should be the first and foremost priority because it directly affects the quality and standard of living. Only when the national capital is healthy and free from pollution can we effectively inspire and promote change across other states and throughout India.
The definition of common is shifting nowadays because individuals often contract various viral infections and transmittable diseases in their walks of life. Below are a few common health issues in Delhi:
Pollution is one of the major reasons for the ill health of citizens in Delhi. A pollution control committee has suggested 11 key challenges affecting pollution levels.
Mental health issues are rising at an alarming rate nowadays. The city of Delhi has no escape to it. According to a recent survey, the age group of 26-40 is affected the most.
As per the past data, there have been over 1 lakh+ cases of diabetes reported in Delhi. The number might have increased by now by a margin. Yet, the situation stands still, the increasing number of diabetes cases in Delhi is a matter of concern.
Hypertension has also made an alarming debut in the common healthcare list of issues in Delhi. Over 1 lakh+ cases have been recorded in the past year and this is going day by day. We need to track it back to our lifestyle and expectations to tackle the burden of tension.
Vector-borne diseases are illnesses caused by pathogens transmitted to humans through vectors like mosquitoes, ticks, or flies. Common examples include malaria, dengue, and chikungunya, often spread in tropical and subtropical regions. Data shows there have been rising cases of Dengue in Delhi over the past few years.
Health is a sensitive factor. We never know which medical condition or accident we may face in our walk of life. On the other hand, life is very fragile. With this fragility comes the need to secure a health insurance policy. Many more reasons are listed below:
In India, social security is undervalued. Recently there has been a rising awareness regarding retirement, savings, SIPs and many more. Yet, health insurance should be kept in mind to mitigate the risk of accidental injury or contingent disease.
Health insurance serves as a backup option, in case you have to incur health-related expenditures. It also covers critical illnesses which might cost a ton to you if you would have chosen a normal route to treatment.
Health insurance premiums offer tax benefits under Section 80D of the Income Tax Act. You can claim up to ₹25,000 for yourself and your family and an additional ₹50,000 for senior citizen parents.
Various add-ons such as hospital cash facility, pre-hospitalization procedures, and post-hospitalization care are provided as per your needs. Further, as per your specifications or pre-existing conditions, you can pick a tailored policy which suits you the best in the long term.
There are numerous insurers today in the market which offer various ranges of health insurance policies. Coverfox helps you to compare policies in a few clicks and you can easily decide the one that suits you.
The following are the types of Health Insurance available in Delhi:
This health insurance is suited, tailored, picked and purchased by you. If you're aware of hereditary diseases in your family, you can easily get coverage by selecting your age and providing details of any existing or past health conditions.
Under a family floater plan, a single health insurance policy is offered to a full family. This can be understood as an umbrella policy, where everyone is covered. If any family member has met with an accident, the claim will be processed under the family floater plan you have selected.
Critical illness insurance is a type of health coverage that provides a lump-sum payout if one is diagnosed with a serious illness listed in the policy, such as cancer, heart attack, or stroke. This amount can be used for treatment, recovery, or daily expenses during the illness.
A Top-up plan covers medical expenses above a fixed deductible limit per claim. Super Top-up plan covers total expenses above the deductible in a year, even if incurred over multiple claims. Super Top-ups are generally more practical as they consider cumulative bills, not just single hospitalizations.
As the name suggests this type of policy is for aged individuals. This often consists of higher premiums, since they pose a major risk to health. Senior citizens are vulnerable to various diseases and accidents.
You need to be aware of the Inclusions and Exclusions while purchasing a health insurance policy. Below is a table for your reference:
| Serial Number | Inclusions | Exclusions |
|---|---|---|
| Hospitalization (pre & post, in-patient care) | Pre-existing diseases (within the waiting period) | |
| Surgeries (major/minor) & daycare procedures | Cosmetic/dental treatments (unless injury-related) | |
| Ambulance and emergency services | Maternity & infertility treatments (if not included) | |
| AYUSH or mental health (if covered by policy) | Injuries from alcohol/drug abuse | |
| Organ donor and domiciliary hospitalization | Self-inflicted injuries or suicide (within the exclusion period) | |
| COVID-19 and other modern illness coverage | Experimental/unapproved treatments |
Buying a Health Insurance policy online in Delhi can be done within a few minutes. Also, you might need various documents to buy a health insurance policy such as identity proof, address proof, age proof, income proof, and medical reports (if required). Some insurers may also ask for recent passport-size photos. With these documents,you can easily buy health insurance in Delhi with the below steps:
Step 1: Visit the Health Insurance section of the Coverfox - Health Insurance
Step 2: Fill in your mobile number
Step 3: Select gender, and fill in your age and area pin code
Step 4: A policy deck will be displayed as per your previous details
Step 5: Select the range of coverage on the top left-hand corner and subsequently add other filters as per your need
Step 6: The available policies are displayed, you can sort them from low to high or high to low in terms of premium amounts per year
Step 7: You can select on the bottom left of the individual policies and compare two or more policies as per your requirements
Step 8: Click, “Buy now” on the policy and simply fill in the necessary details, review it and make the payment to get your policy by email.
It is better to renew your policy before it lapses so you are covered continuously. For renewal, various documents such as existing policy number, ID proof, and payment details, medical documents are not required unless there’s a change in health status. Below are the steps to Renew your Health Insurance Policy in Delhi:
Step 1: Visit the Insurer’s website
Step 2: Enter policy details and review your policy terms
Step 3: Compare and upgrade as per your requirements
Step 4: Make renewal payment and receive confirmation
Step 5: Download and save the renewed policy
The are two processes to claim health insurance in Delhi as mentioned below:
Tips and tricks to find the best health insurance policy in Delhi are as below:
Evaluate your current health condition, medical history, and any existing illnesses. This helps in choosing a policy that covers relevant treatments and conditions.
Consider factors like family size, age, lifestyle, and future medical needs. Decide whether you need individual or family floater coverage based on these.
Think ahead about potential health emergencies, such as hospitalization, chronic illness, or maternity. A policy with comprehensive coverage is better in the long run.
Use online comparison tools to check different insurers, premiums, hospital networks, and claim settlement ratios. Choose one that balances cost and benefits.
Higher coverage limits and added features (like maternity or critical illness) increase the premium. Opt for coverage that matches your needs without overpaying.
Delhi is an urban metropolitan which is home to the President, Prime minister and the backbone of our legal judicial system, the Supreme Court. It has a population of more than crores of people with rising inflation and standard of living needs.
For an Individual Insurance coverage plan, depending on the level of income, health condition, allergies or existing diseases, future consideration and many more factors you need to have a minimum cover of at least 5 lakh- 1 Crore. This again depends on your requirements, physical condition and your willingness to purchase a health insurance scheme.
Being an NRI( Non-resident Indian) is not a limitation in purchasing your health insurance. You can purchase various policies and schemes for your family and yourself. Provided you have citizenship proof and a working Indian mobile number to register your details and buy the policy online hassle-free.
The following are the benefits of Health Insurance in Delhi:
Health insurance ensures timely medical care without waiting for funds, enabling faster diagnosis and treatment, especially during emergencies.
Many modern policies now include mental health coverage, offering consultations, therapy, and medication support as per IRDAI guidelines.
It protects your savings from being drained by unexpected medical expenses, providing peace of mind during health crises.
Insurers partner with a wide range of hospitals offering cashless treatment, reducing paperwork and easing the hospitalization process.
Covers life-threatening conditions like cancer, heart attacks, and kidney failure, with a lump-sum payout to manage treatment and recovery.
Policies usually cover medical expenses incurred 30 to 60 days before and after hospitalization, including diagnostics, follow-ups, and medications.
The city of Delhi is full of surprises and great food. The lifestyle is unique and so are the people. Our habits nowadays are moving towards a sedentary lifestyle. With this in mind, it is necessary to pick a healthier lifestyle and life-saving health insurance. You never know when it is going to come in handy.
It is necessary to be transparent while filling out your health insurance application regarding your current health conditions and pre-existing health conditions, which affects the insurance premium and claim value. To have a hassle-free claim process, full voluntary disclosure of health conditions is not negotiable.
Ans: Yes, buying a health insurance plan in Delhi makes you eligible for tax benefits, if you are falling under a tax bracket.
Ans: The best insurance policy in Delhi is the one which suits your budget, covers your health risk, is tailored as per your add-on needs and has a hassle-free claim process.
Ans: No, ₹2 lakh health insurance is generally not enough in Delhi due to high medical costs for even basic hospitalizations.
Ans: Yes, it is possible to buy multiple health insurance plans in Delhi.
Ans: Yes, you can buy a family floater plan for yourself and your family in Delhi.
Ans: No, usually there are certain cool-down periods for certain cases unless it is accidental damage.
Ans: One, a claim can be raised against your health insurance policy, unless it is a hospital cash policy you can claim for daily cash allowances.
Ans: Yes, it is possible to buy Health Insurance in Delhi online.
