Lucknow is also known as the city of Nawabs. Far more it is rooted in its rich architectural history which still breathes today. The language and the mood of people here are the trademarks of calmness and respect in language and behaviour. The atmosphere of healthy living in Lucknow is gaining traction. However, Lucknow in the Central Region had the lowest doctor population ratio (one doctor for 6,445 population) as per official statistics of Public Health Infrastructure and Management of Health Services in Uttar Pradesh by the Comptroller Auditor of India.
Amidst the rising population, medical inflation and civic hardships, the city is holding onto its own. Health is a basic necessity and health insurance is an add-on to ensure that necessity.
Health Insurance policy is usually preferred or thought of in life when an individual reaches his/her mid-30s or 40s. This has been a pattern in India and this perspective is changing. It is penetrating the lower-age population who are usually health conscious but not in the insurance realm. Irrespective of your age, a health insurance policy is affordable given you are investing in markets. Your investment means you are planning cash expenses for the future and a major chunk of those expenses can simply be health-related services going ahead in life. Thus, with investment in markets, investment in health should be an equal priority.
The city of Lucknow is a runic city under the guise of modern infrastructures, below are a few of the common health issues in Lucknow:
Vector-borne diseases are illnesses transmitted by vectors like mosquitoes, ticks, or flies that carry infectious pathogens. Common examples include malaria, dengue, and Lyme disease. The number of dengue cases in Lucknow is still relevant. As of 2024, there were more than 700 active dengue cases in Lucknow.
Lucknow often reaches 40 degrees Celsius during summer with maximum temperature soaring to 44 degrees during peak hours. This brings us to various health-related illnesses such as hyperthermia (a condition where the body fails to cool down) or Nausea.
The air quality in Lucknow is decent compared to the modern metropolis cities in India. Being satisfactory doesn’t mean it can’t be improved. With the current Air Quality Index running from 90-100, sensitive people who are suffering from existing respiratory illness might feel uncomfortable.
We often build our lifestyle to stay happy, but with this quest, we are unknowingly moving towards lifestyle diseases.
The issue of anaemia is a rising cause. It is a medical condition in which your body does not have enough healthy red blood cells or haemoglobin to carry adequate oxygen to your tissues. It is an alarming issue because it is common in adolescent girls, pregnant women, and children. A healthy and balanced diet approach is still a missing piece in the Indian food ecosystem.
With prevalent mental health issues, mental health awareness should be more in focus. This is to move from unknowingness to awareness. Only if we are aware we can work on ourselves to be better mentally and physically. Lucknow hosts 73 mental health service centres and 67 psychiatrists, the highest numbers in Uttar Pradesh.
Buying health insurance online in Lucknow is one of the most easy and simple things you can do, here are a few reasons to help you decide on the same:
In India, social security is undervalued. Recently there has been a rising awareness regarding retirement, savings, SIPs and many more. Yet, health insurance in Lucknow should be kept in mind to mitigate the risk of accidental injury or contingent disease.
Health insurance in Lucknow 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 health insurance policy in Lucknow that suits you the best in the long term.
There are numerous insurers today in the market which offer various ranges of health insurance policies. If you're in Lucknow, 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 Lucknow:
This health insurance in Lucknow 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 in Lucknow, 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 in Lucknow 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 in Lucknow 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 in Lucknow is for aged individuals. This often consists of higher premiums, since they pose a major health risk. Senior citizens are vulnerable to various diseases and accidents.
Given the doctor-to-population ratio mentioned in the introduction section, it indicates a lack of attention for people en masse. Having health insurance coverage protects you from the panic if something happens to your health, you have a financial safety net and you can get the required treatment right on.
As per the above factors coverage of around 5 lakh-1 Crore should be taken into consideration as per your financial backing and health requirements.
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. They can either opt for India-based health insurance coverage, international health coverage or travel health insurance for short-term visits.
Medical Insurance is like health indemnity, and the benefits do not end here. Below are a few of them for your reference:
With health insurance in Lucknow, policyholders can access timely medical care without financial delays, ensuring quicker recovery and reduced health risks.
Many policies in Lucknow now include mental health treatment, supporting psychiatric consultations, therapies, and medications.
Health insurance in Lucknow protects against unexpected medical expenses, reducing the burden of high hospital bills and long-term treatments.
Cashless treatment at a wide network of partner hospitals in Lucknow ensures convenience and hassle-free care during emergencies.
Health insurance in Lucknow Offers a lump sum payout upon diagnosis of serious illnesses like cancer or heart disease, helping manage treatment and lifestyle costs.
Covers expenses incurred before admission (like diagnostics) and after discharge (like follow-ups and medications), enhancing overall coverage.
Below are the common parameters covered in a health insurance plan, also it is necessary to note that coverages are subject to differ from policy to policy:
Below are the common parameters that are not covered in a health insurance plan in Lucknow. The non-coverage is subject to differ from policy to policy:
Below are pointers you need to remember while purchasing health insurance in Lucknow:
Disclose pre-existing conditions to your insurer in Lucknow to ensure smooth claim settlement and receive appropriate coverage tailored to your needs.
Select health insurance plans in Lucknow based on whether you need coverage just for yourself or for your entire family. Family floater plans are ideal for shared protection.
Health insurance premiums paid in Lucknow qualify for tax deductions under Section 80D of the Income Tax Act, helping reduce your taxable income.
If you're living in a dengue- or chikungunya-prone area of Lucknow, consider plans that specifically cover these illnesses for better protection during seasonal outbreaks.
While buying health insurance in Lucknow, enhance your policy with relevant add-ons like maternity benefits, critical illness cover, or daily hospital cash, depending on your lifestyle and medical needs.
Buying a health insurance policy online in Lucknow can be done within a few minutes. Below are the steps for the same:
Step 1- Visit the Health Insurance section of the Coverfox.
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 it 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.
The steps for renewal are as follows:
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.
Review and compare coverage, premiums, and benefits from different insurers to find the best fit. Use online aggregators like Coverfox to easily view and compare multiple health insurance policies side by side. Consider factors like waiting periods, co-payment clauses, and policy exclusions to make an informed choice.
Ensure the insurer has a wide network of hospitals in Lucknow for easy cashless treatment. A larger hospital network ensures you have access to quality treatment without worrying about upfront payments. Always check if your preferred local hospital or speciality clinic is part of the network before buying a policy.
Choose plans that cover a variety of treatments, including critical illnesses, mental health, and pre/post-hospitalization. Comprehensive coverage ensures you’re financially protected in most medical situations, not just hospital stays. Don’t overlook add-ons like maternity cover, OPD consultations, and home healthcare if relevant to your needs.
Read the fine print carefully to know about waiting periods, exclusions, and claim procedures. Read the fine print carefully to know about waiting periods, exclusions, and claim procedures. Each policy has specific clauses that can impact your claim eligibility-don’t skip reviewing them. Seek clarification from the insurer or advisor if any term seems ambiguous or unclear.
Opt for insurers with high claim settlement ratios and positive customer feedback. A high claim settlement ratio indicates the insurer's reliability in honouring claims without hassle. Reading customer reviews also helps you gauge the actual service experience, especially during emergencies.
The are two processes to claim health insurance in Lucknow as mentioned below:
i) Submit a pre-authorization request at a network hospital.
ii) After approval, your treatment will be cashless and hassle-free.
iii) The insurer will pay your treatment fees as per the coverage policy.
vi) You will be required to pay for the non-covered expenses.
i) You need to pay the hospital bill and keep a record of it.
ii) Submit it to the insurer.
iii) You will be reimbursed as soon as the claim is verified and passed.
Ans: Various plans such as Individual plans, family floater plans, critical illness policies, and top-up and super top-up plans are available in Lucknow.
Ans: Factors such as previous and current health condition, budget, lifestyle and other contingencies such as dependents should be considered before purchasing health insurance in Lucknow.
Ans: To avail of cashless hospitalisation in Lucknow, you must take the treatment in the network hospital with an insurance policy. You can inform the insurer before or while getting admitted to enable the process of cashless hospitalisation.
Ans: If you buy a Health Insurance plan, you can apply a deduction under section 80 of Income Tax on the premium paid.
Ans: A minimum sum insurance of 5 lakh should be subscribed in a city like Lucknow.
