Health Insurance in Hyderabad

Hyderabad is a rapidly growing metropolitan city in India. However, with improved infrastructure and development, the number of health-related challenges has also doubled in the last few years.

Medical insurance in Hyderabad is a must-have financial safety net that protects you and your family members during health emergencies. It offers extensive medical coverage to manage the increasing costs of healthcare in the city.

Get yourself a personalised health insurance policy from Reliance General. With us, you will benefit from affordable premiums, quick claim settlements, paperless policies, comprehensive coverage, online discounts and much more.

Importance of Health Insurance in Hyderabad

Hyderabad's population is growing due to its improved standards of living and increasing urbanisation. However, with a rise in population comes a rise in the availability and accessibility of necessary healthcare services.

Even though there are many health insurance companies in Hyderabad, understanding the key reasons why you must invest in a health plan is necessary to make the right decision.

Here are some reasons why health insurance is important.

• Increasing Medical Costs - Healthcare facilities charge a hefty amount for medical services, reducing the accessibility of quality treatments to only those who can afford them. However, with health insurance, you can get the necessary treatments without a financial burden.

• Risk of Health Issues - Similar to other cities, Hyderabad’s population is also witnessing a rise in airborne and lifestyle diseases. Treatment for these illnesses can be expensive without a health insurance policy.

• Financial Protection - Health insurance in Hyderabad provides the necessary financial support to manage your bills easily, no matter where you are or what your health issue may be.

• Support for Critical Illnesses - Some diseases can be life-altering, requiring expensive medical treatments. However, with specialised health plans for critical illnesses, you can take care of yourself and your family members with a financial safety net.

Major Health Problems in Hyderabad

Sources State Action Plan for Climate Change & Human Health, Telangana (2022-27), National Programme on Climate Change & Human Health (NPCCHH)

Why Do You Need Health Insurance in Hyderabad?

Health insurance in Hyderabad, India, is necessary for multiple reasons. A health plan offers financial coverage for medical treatments and procedures and assistance for other aspects.

• Cashless Hospitalisation - You can enjoy the convenience of cashless hospitalisation at any network or non-network hospital in Hyderabad, reducing the burden of hefty upfront expenses.

• Medical Emergencies - Medical emergencies cannot be predicted, and thus, protecting yourself and your family members during such uncertainties ensures added peace of mind.

• Comprehensive Coverage - Regardless of the type of health insurance you choose, you get coverage for pre- and post-hospitalisation expenses, treatment charges, diagnostic tests, ambulance fees, and more under all plans.

• Tax Benefits - Under Section 80D of the Income Tax Act, you can enjoy tax deductions for the premium payments made during the policy tenure. This helps save more money without compromising on quality treatments.

How Much Health Insurance Coverage Do You Need in Hyderabad?

To find the best health insurance in Hyderabad, you must first understand how much coverage you require for your needs. This decision includes a careful assessment of multiple factors, and they are as follows -

• Size of the family
• Your age
• Your medical history
• Pre-existing conditions, if any
• Medical cost inflation in Hyderabad
• Lifestyle habits

In addition to these factors, you must also consider your annual income to assess how much coverage will be beneficial for you. Some people say you must choose a coverage amount that is 2 or 3 times your annual income.

With this rule, the coverage beneficial for you will be as follows -

To find the appropriate coverage for a health insurance policy, use our health insurance premium calculator and get an accurate estimate.

Also Read - Understanding Health Insurance Premiums How Age Affects Your Costs

Types of Reliance Health Insurance Plans in Hyderabad

Also Read - Benefits of Having a Health Insurance Explained

Why Choose Reliance Health Insurance — Key Features and Benefits

Why Should You Buy Online Health Insurance in Hyderabad from Reliance General Insurance?

Also Read - Get The Best Health Insurance Policy Online Through Your PC, Mobile Or Tablet

What Do Reliance Health Insurance Policies in Hyderabad Usually Cover and Not Cover?

Inclusions

• Pre- and post-hospitalisation

• Inpatient treatments

• Daycare procedures

• AYUSH treatments

• Special treatments (specific to choice of policy)

• Robotic surgeries

• Cancer treatments

• Skin grafting procedures for major burns

• Stem cell therapy

• Gene therapy

• Joint reconstruction or replacement procedures, etc.

• Domiciliary treatments

• Preventive care (annual check-ups)

• Emergency ambulance services

Exclusions

• Cosmetic surgeries or beauty enhancement procedures

• Suicide or self-inflicted injuries

• Dental procedures (unless included as an add-on)

• Weight management and obesity-related medical assistance

• Alcohol or substance use-related illnesses and diseases

• Consumables (unless included as an add-on)

• Infertility treatments

• War and nuclear attacks

• Radiation-related illnesses and diseases

• Non-disclosed pre-existing conditions

How to Find the Best Health Insurance in Hyderabad?

Also read - How to Compare Health Insurance?

Buying and Renewing Reliance Health Insurance in Hyderabad

Reliance Health Insurance Online Purchase Process

• Step 1 - Visit our website and click on “Health”.
• Step 2 - Add your details in the space provided and select “View Prices”.
• Step 3 - Choose a plan type, add requested details and modify it as required.
• Step 4 - Get the premium quotation for review.
• Step 5 - If satisfactory, make the premium payment to buy the best health insurance policy in Hyderabad.

Also Read - Tips To Make Buying Health Insurance Easier

Reliance Health Insurance Renewal Process

• Step 1 - Go to our website, Select “Renewal,” and click on “Renew Health Insurance.”
• Step 2 - Add your mobile or policy number and the requested information to proceed.
• Step 3 - Review and modify your existing policy by removing or combining add-ons, changing the sum insured, etc.
• Step 4 - Check the revised premium.
• Step 5 - If good to go, make the required payment to renew your health insurance policy.

Documents Required

• Proof of age - passport, PAN card, Aadhaar card, etc.
• Proof of identity - Aadhaar card, driving licence, etc.
• Proof of address - utility bills, rental agreement, Aadhaar card, etc.
• All medical records and reports
• Previous policy documents and details
• Proof of C-KYC completion as per IRDAI guidelines

How to File a Reliance Health Insurance Claim in Hyderabad?

Reimbursement Claim

• Step 1 - Inform us regarding the claim by calling +91-22-4890-3009 or downloading our Reliance Self-i App.
• Step 2 - Go to the nearest hospital and get the required treatment.
• Step 3 - Collect all hospital bills, medical reports, payment receipts, doctor prescriptions and discharge letters.
• Step 4 - Submit a duly filled and signed claim form along with the documents mentioned above for verification.
• Step 5 - Once approved, you will get the applicable claim settlement amount reimbursed in your bank account.

Cashless Claim

• Step 1 - Register a claim by calling +91-22-4890-3009, filing an online claim intimation or downloading our Reliance Self-i App.
• Step 2 - Go to any network or non-network and submit a pre-authorisation form to begin the procedure.
• Step 3 - The hospital will send us your details and planned procedure information. You must also complete the required treatment simultaneously.
• Step 4 - Once done, submit the claim form to us and await a decision.
• Step 5 - After we receive the medical bills from the hospital, we will verify the details and settle the due bills directly with the hospital based on your policy coverage and terms.

Documents Required

• Claim form
• Medical reports
• Policy document
• Pre-authorisation form (for cashless claims)
• First Information Report (for accidental injuries)
• Original medical bills
• Discharge summary
• Doctor prescription
• Other documents, as requested by the team for specific cases.

Reliance Network Hospitals in Hyderabad

Network hospitals are dedicated healthcare services that an insurer authorises through a contractual agreement. These facilities offer policyholders the necessary medical treatments with the convenience of a cashless claim settlement.

However, in January 2024, the Insurance Regulatory and Development Authority of India launched the “Cashless Everywhere” scheme in the country. With this update, policyholders can now file a cashless claim at any network or non-network hospital without any hassle.

This is a significant step for all policyholders, as it provides them with improved flexibility for medical care without the need for hefty upfront expenses.

To find a network hospital in Hyderabad, check out our hospital locator.

Also Read - What is Cashless Everywhere Facility?

Wellness and Prevention Tips in Hyderabad

• Consume a healthy diet rich in nutrients.
• Drink clean water and keep yourself hydrated to manage the changing climates.
• Practice yoga and breathing exercises to keep your respiratory system in check.
• Get regular medical check-ups as a preventive measure to reduce the risk of serious health concerns.
• Wear a mask when around populated and polluted regions, especially industrial areas.
• Cut down excessive consumption of alcohol, sugar and sodium.
• Meditate to keep your mind at ease.
• Keep yourself and your surroundings clean to avoid many communal diseases.

Frequently Asked Questions (FAQs)

1. Do you offer health insurance in Hyderabad for NRIs?

   Yes, NRIs can buy our Reliance Health Infinity Insurance to get global protection for medical emergencies. They can also explore our Reliance Health Global Insurance for planned medical treatments abroad.

2. What is a deductible in health insurance?

   A deductible is a predetermined amount that you must pay towards the incurred medical bills before your health insurance settlement steps in. For example, if your medical bills are for ₹40,000 and your deductible is ₹10,000, you will only get a claim settlement of ₹30,000. The deductible amount must be paid by you first.

3. Can I customise a health insurance plan in Hyderabad?

   Yes, you can customise a health insurance plan using a range of add-ons. These add-ons are designed to increase your base policy coverage for added protection. Some add-ons include consumables cover, OPD cover, modern treatment cover, home care cover, etc. Every add-on you choose increases the final premium amount.

4. What are the benefits of buying health plans at a young age?

   Young adults benefit from lower premiums due to the following reasons -

   • Reduced risk of health issues due to young age.
   • No medical check-ups are required.
   • Lower waiting periods.
     
   • Lower premiums.
5. How do I reduce my health insurance premium in Hyderabad?

   You can reduce your premiums by choosing a higher deductible, opting for a long-term plan, not claiming for minor medical requirements, and combining online discounts with your policy.