The city of pearls, Hyderabad, is well known for its rich culture and heritage. With monuments like Charminar, Golconda Fort, and Chowmahalla Palace, it has seen a boom in the tourist sector. But, on the other hand, the healthcare sector is getting expensive day by day. As lifestyle is progressing, health problems are arising as well. It has become an absolute necessity to get a health insurance plan, not only for you, but also for your family. Let us see the perks of getting health insurance in Hyderabad.
Although Hyderabad has a very good healthcare system, Hyderabadis face a lot of health problems like hypertension, diabetes, obesity, etc. Here are a few common health issues in Hyderabad:
One of the leading major health concerns in the city, hypertension is nothing but high blood pressure. Approximately 30% of women aged 15 - 49 years in Hyderabad are affected by hypertension as per Niti Aayog. Hypertension is a condition where the force of the blood against artery walls is consistently too high, increasing the risk of heart disease, stroke, and other complications.
As lifestyle diseases are on a rise due to sedentary lifestyle, bad eating habits and inactivity during the day. As per the District Nutrition Profile: Hyderabad, Telangana – NITI Aayog (2022),21% of women aged 15–49 in Hyderabad are diabetic.. The prevalence of diabetes has increased from an average of 25% to 33%, indicating a significant rise in recent years.
Another lifestyle disease, obesity, has seen a rise in recent years. Obesity is the excess of fat in the body, which can turn real bad into conditions like heart disease, diabetes, and certain cancers. According to the National Family Health Survey-5 (NFHS-5), 2019-21, 48.7% of women and 33.1% of men in urban Hyderabad are overweight or obese.
Cancer, stroke, and other NCDs like heart diseases are prevalent in Hyderabad. There has been a significant increase in heart strokes especially in young adults, which is quite alarming.
It is the most common type of chronic disease found in Hyderabad. Coronary Artery Disease (CAD) is a significant health concern in Hyderabad, with a prevalence of 15.9% among adults. CAD is a common heart disease that occurs when the coronary arteries, which supply blood to the heart, become hardened and narrowed due to a buildup of plaque.
Here’s why getting healthcare plan in Hyderabad is a smart decision:
Insurers help relieve the financial burden that comes with quality healthcare. No need to compromise on health when you have wealth support. Insurers also prove quality network hospitals for policyholders which give best healthcare facilities.
As technology is progressing, so is inflation. Getting medical care in today’s time will probably take a toll on your savings. To prevent that, get health insurance.
If you buy a healthcare insurance policy online, it can be done in under minutes and with no hassle. No need to wait long queues at insurance offices, stifling through documents, just login to Coverfox and get your health insurance today.
Health insurance is not just for you; you can buy the policy for your entire family. As health issues are on the rise, ensure complete safety to your full family.
Get healthcare coverage for critical illnesses like heart conditions, respiratory conditions, cancer etc and ensure you get treatment for these critical issues, without worrying about how to pay for their treatments.
There are different types of health insurance available in Hyderabad, that cater to specific individuals or families or illnesses. They include:
This type of insurance covers an individual person only.
This type of coverage plan ensures health protection to your whole family
Specific insurance plan for elderly and aged people
Customise your base insurance plan with add-ons like Room Rent Waiver, OPD Cover, Accidental Disability Cover, etc
In case of severe diseases like strokes, organ failure, cancer, etc. a critical illness insurance policy is needed.
Following table showcases what will be covered and what will not be covered under health insurance in Hyderabad:
| What is Covered | What is Not Covered |
|---|---|
| Sum Insured: ₹5 lakh to ₹6 crore | Pre-existing conditions during the waiting period |
| Hospital & Treatment Expenses: Includes day care procedures, maternity expenses, OPD cover, ICU charges, and ambulance charges | Cosmetic surgeries and aesthetic treatments |
| Pre & Post Hospitalisation (30 to 60 days) | Dental and oral treatments (unless due to an accident) |
| Facility Benefits: Covers room rent, pre & post-existing diseases (as per terms), organ donor expenses, and free health check-up | Illnesses during the initial waiting period (30–90 days) |
| Add-ons: Optional and customisable | Injuries due to war, terrorism, or hazardous activities |
| Tax Benefits: Under Section 80D | Substance abuse-related complications |
| Claim Process: Easy cashless transactions through network hospitals or reimbursement process | Non-medical expenses like toiletries or administrative charges |
To buy a health insurance policy in Hyderabad, follow these steps:
NOTE: You can ask for a call from Coverfox to help and guide you in buying a health insurance policy. Just click on “Call me” to connect to an excellent support staff.
Renew your healthcare insurance in Hyderabad by following these steps:
Documents required for buying or renewing health insurance plan in Hyderabad are as follows:
There are 2 types health insurance claims that you can file in Hyderabad:
To find the best healthcare insurance policy in Hyderabad, consider these tips:
Know what’s covered and what’s not
Check for pre-existing conditions, maternity, and specific treatments
Ensure cashless hospitals are available in your area
Choose adequate coverage for future medical costs
Balance cost with the coverage offered
Prefer insurers with high claim success rates
Consider critical illness, maternity, or room rent waivers
Check if you can switch plans without benefit loss
Look for annual check-up benefits.
Getting a proper sum insured amount for your health insurance policy is absolutely crucial. An ideal sum insured amount should cover the cost of treatment entirely. Hyderabad is an urban and growing city with inflation right around the corner. Having a sum insured of ₹1 lakh won’t be enough to cover treatments, rent, ambulance service etc. An ideal sum insured amount in Hyderabad would be:
NOTE: These are just recommendations made on average costs, get sum assured rates as per your needs.
NRIs who were initially from Hyderabad can also opt for health insurance in the city. However, they cannot avail facilities abroad of course. They can enjoy healthcare benefits while they come back to India to visit or stay. Similarly, they can buy health insurance for their family as well. For example, a person who has shifted abroad can buy healthcare plans for their parents who are living here in Hyderabad. This is a very reliable way of getting healthcare for family for NRIs. On the other hand, they also get tax benefits from buying health insurance.
Here are the key benefits of getting health insurance in Hyderabad:
Insurers provide network hospitals that provide best and quality healthcare facilities. Insurance also covers charges for this quality healthcare so that you do not have to compromise on your health.
You can opt for cashless transactions at network hospitals. No need to worry about paying the money upfront, instead let the insurer handle it for you.
Buying a health insurance policy can help you get tax returns as per the Section 80D under Income Tax Act. What's more pleasing than saving up while prioritising your health!
Having a No Claim Bonus can help you get lower premium rates. Because of this, you will tend to keep yourself healthier, so that you do not need to file a claim. It helps you mentally and financially.
You can get health insurance from an insurer and get a coverage plan for your entire family. This type of insurance helps get your entire family insured at one place and at the same time.
With the rising healthcare costs, getting a treatment at a hospital can take a toll on your savings. Healthcare insurance packages help with your financial well being in this ever-growing inflation.
Healthcare insurance is not just another purchase in Hyderabad, it has become a necessity. While remaining healthy and having healthy practices is a good habit, insuring yourself with the best health insurance plans is another good habit. Diseases and health problems can arise anytime without asking anyone, being financially prepared makes your life a lot easier in the time of need. Get the best health insurance quotes today from Coverfox.
Ans: Yes, under the 80D Income Tax Act, you get tax benefits for health insurance plans.
Ans: The best insurance policy depends on your needs from the insurance policy, like room rent, sum insured, coverage scope, type of insurance, etc.
Ans: It is recommended to have at least ₹10 lakh sum insured in Hyderabad for covering any type of treatments required.
Ans: Yes, you can combine multiple health insurance plans in Hyderabad.
Ans: Yes, you can.
Ans: No, there is a waiting period for filing a claim.
Ans: You can make as many claims as you want, as long as it's under the sum insured amount.
Ans: Yes, get the best quotes from the best insurers in the city at Coverfox.
