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Health Insurance in Jaipur

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Health Insurance

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​Jaipur, one of the top cities in Rajasthan and India, boasts impressive healthcare infrastructure. However, these medical services come with high costs. Hence, health insurance in Jaipur is a necessity, especially during medical emergencies.

With Reliance health insurance plans as your trusted #HealthKaYaar in Jaipur, you get comprehensive coverage at prices that fit right into your budget.

Importance of Health Insura​​nce in Jaipur

Health insurance in Jaipur is a crucial financial management tool for every individual. It makes quality healthcare accessible to everyone while reducing your out-of-pocket medical expenses. In addition to this, there are many other benefits of having the best health insurance policy in Jaipur:

  • Offers cashless hospitalisation all across India.
  • Offers tax deductions under section 80D of the Income Tax Act.
  • Offers coverage for preventative healthcare through routine check-ups, wellness programs, etc.
  • Offerscoverage for accidental injuries and even death.

Health Statistics and Major Health​​ Problems in Jaipur

  • Seasonal Diseases: Seasonal diseases like dengue (730 reported cases), malaria and bronchitis are very common in Jaipur, especially during monsoons. These seasonal ailments not only impact your physical health but also drain your finances due to higher treatment costs.
  • Gastrointestinal Tract Infection: As per the findings of ResearchGate, gastrointestinal tract disorders were responsible for a whopping 30.06% of morbidity in the rural areas of Jaipur.
  • Respiratory Issues: Rising air pollution and congestion in Jaipur giverise to several respiratory issues like bronchitis and other lung infections, as per an Air Quality Index Assessment report.
  • Lifestyle Disorders: Similar to the rest of the country, lifestyle disorders like stress, depression, obesity and cardiac risks are also prevalent in Jaipur. These issues tend to bring significant mental and financial burdens to the individuals.

Why Do You Need Health Insuranc​e in Jaipur?

Rising Medical Cost

Access to High-Quality Healthcare

Reduce Out-of-Pocket Expenses

Healthcare expenses, like consultation fees, hospitalisation and pharmacy bills, are increasing sharply in Jaipur. In the absence of health insurance, managing these expenses can be hard.

With health insurance coverage, getting high-quality medical treatment is no longer a costly endeavour. Your plan will cover the cost of medical treatments you need, ensuring a stress-free recovery process.

Health insurance in Jaipur allows you access to treatment without making last-minute money arrangements via cashless hospitalisation at any hospital.

How Much Health Insurance Cover​​age Do You Need in Jaipur?

Medical coverage requirements in Jaipur are different for everyone. Things like your income, health condition, and age play a huge role in determining how much coverage you need and the associated costs.

To give you a general idea, here is an approximate range of coverage requirements for different categories of insurance seekers.

Category

Coverage Needed (Approx)

Annual Premiums (Approx)

Self/Individual

₹10 to ₹15 lakhs

₹15,000 to ₹20,000

Family (Self, Spouse, One Dependent Child)

₹15 to ₹20 lakhs

₹20,000 to ₹35,000

Parents Above 65 Years of Age (Mother and Father)

₹20 to ₹25 lakhs

₹35,000 to ₹50,000

To learn about your exact health insurance premium cost, use our health insurance premium calculator or contact us.

Types of Health Insurance Plans in​ Jaipur

Individual Health Insurance

Family Health Insurance

It offers medical coverage to a person during medical emergencies. It covers expenses due to hospitalisation, doctor fees, room rent, pharmacy bills, etc.

It covers the emergency medical expenses of an entire family under a single health insurance policy. You can cover yourself, your wife/husband, dependent children and also your parents.

Senior Citizen Health Insurance

Critical Illness Insurance

It covers the growing medical needs of those over 60 years. It includes coverage for critical illnesses and pre-existing diseases after a waiting period.

It offers a lump sum amount for the treatment of a pre-specified critical illness on diagnosis. This amount can be used to pay for hospitalisation, surgery, medication and more.

Group Health Insurance

Top-up Health Insurance

It offers coverage and insurance benefits to an entire group under a single policy. It is ideal for corporate groups, companies, sports teams, etc.

It acts as a backup to your primary health insurance policy. It offers additional coverage when the maximum claim limit of an existing health insurance plan is exhausted.

International Health Insurance

It offers coverage for any planned or emergency treatments outside of India. This plan is ideal for those who travel abroad frequently.

How to Find the Best Health Insur​ance in Jaipur?

Assess Coverage Needs

Compare Multiple Plans

Learn About Claims Process

Identify your coverage requirements based on your age, income and health condition. Also, the right type of policy should be decided on: individual, family, or any health-specific plan like critical illness insurance.

Compare multiple plans based on sum insured, inclusions and exclusions, coverage areas, premiums and more. This will help you identify a plan that fits your medical needs and budget.

Take a detailed look at the claims process to ensure that it is quick and seamless. Learn about the types of claims settlement and go for insurers with an online claims process.

Check Network Hospitals

Understand Terms and Conditions

Make sure that your insurer has a strong network of reputed hospitals in Jaipur. We have 130+ network hospitals in Jaipur where you can receive high-quality cashless treatment seamlessly.

Before making a final decision, go through the policy documents and understand all the terms and conditions. This makes sure you are not missing out on any important details.

Why Should You Buy Online Health Ins​urance in Jaipur from Reliance General Insurance?

Easy Online Purchase

Comprehensive Medical Coverage

Purchasing health insurance online from Reliance General insurance is simple, quick and requires zero paperwork. You can buy our plans from our website or the Reliance Self-i application.

We offer coverage for hospitalisation, daycare treatments, room rent, in-patient and out-patient care, consultation charges, surgeries and many other events.

Digital Claims Processing

Affordable Premiums and Discounts

With Reliance health insurance in Jaipur, you get assurance of 100% claims settlement and peace of mind. Our claims department is quick and highly responsive. You can choose between reimbursement and cashless claims based on your needs.

Enjoy comprehensive coverage with trust of Reliance with plans starting from ₹243 per month. We also offer up to 40% discount on the online purchase/renewal of our policies.

Paperless Policies

Say goodbye to the hassle of arranging numerous documents and saving them for years to maintain your coverage. We offer a digital policy purchase process that involves zero paperwork. Once purchased, a digital copy of your policy documents is sent securely to your email address.

Reliance Health Insurance Key Feat​ures and Benefits

Key Features

Reliance Advantage

Affordable Premiums

Starts at ₹243/month

Extensive Sum Insured

₹3 Lakhs to ₹5 Crores

Types of Policies

Individual, Family and Group

In-Patient Hospitalisation

Domiciliary Hospitalisation

Restoration of Sum Insured

Modern Treatment

AYUSH Treatment

Critical Illness Cover

Network Hospitals

10,000+

Claim Settlement Ratio

100%

Cashless Hospitalisation

Day Care Treatment

Zero Paperwork

Online purchase via website and Self-i mobile app.

Room Rent Waiver

Organ Donor

Emergency Ambulance

Optional Add-Ons

OPD Cover, Maternity Cover, Room Rent Waiver, Restore Benefit Cover and more.

Best Reliance Health Insurance P​lans in Jaipur

Reliance Health Insurance Policy

Key Features and Benefits

Best For

Reliance Health Gain Plan

● Sum insured starting from just ₹3 lakh.

● No pre-policy check-up up to 45 years of age.

● Available as an Individual and Family health insurance plan.

● Covers AYUSH treatment.

Individuals looking for the best health insurance for a family in Jaipur.

Reliance Health Infinity Plan

● Up to ₹5 crores sum insured.

● No maximum age limit.

● Covers critical illness.

● Offers unlimited reinstatement of the sum insured.

This is the best health insurance policy in Jaipur for anyone looking for extensive health coverage.

Reliance Health Global Plan

● Offers up to USD 1 million sum insured.

● Offers worldwide health coverage for planned hospitalisation.

● Includes coverage for accommodation and travel expenses.

● Covers repatriation and emergency evacuation.

NRIs, frequent overseas travellers looking for worldwide coverage.

Reliance Hospi Care Insurance Plan

● Offers one-time lump-sum payouts for pre-specified diseases.

● Offers daily hospital cash and ICU admission cash.

● No medical check-up is required.

● Covers pre-existing conditions after the given waiting period.

Individuals who require frequent hospitalisations for pre-existing or chronic health conditions.

Reliance Super Top-Up Plan

● Offers higher sum insured at low premiums.

● Offers additional coverage over an existing health insurance plan.

● No pre-policy check-up is needed up to 55 years of age.

● Covers pre- as well as post-hospitalisation expenses.

Existing health insurance policyholders with limited sum insured.

Reliance Specially-Abled Health Insurance

● Covers unique healthcare requirements of specially-abled individuals.

● Offers protection against accidental injuries.

● Up to ₹5 lakh sum insured.

● Includes benefits like day care procedures and ambulance cover.

Specially-abled individuals with unique medical needs.

Reliance Group MediClaim Insurance

● Covers multiple members/employees under a single policy.

● No pre-policy check-up is required.

● Customisable plans.

● Affordable premiums.

Groups, sports teams, organisations, companies, etc.

What Do Reliance Health Insu​rance Policies in Jaipur Usually Cover and Not Cover?

Inclusions

Inclusions

Details

Pre- and Post-Hospitalisation

Includes coverage for expenses incurred 90 days after and 60 days before hospitalisation.

In-Patient Treatment

Includes coverage for hospitalisation expenses due to injuries and accidents.

Cataract Treatment

Covers treatment of cataracts up to a predefined limit.

OPD Treatment

Included coverage for OPD expenses such as diagnostic test, prescription drugs, doctor consultation and more.

Mental Illness Coverage

Coverage for treatment of select mental illnesses.

Day Care Procedures

Includes coverage for treatments that do not require more than 24 hours (one day) of hospitalisation.

Organ Donor Expenses

Includes coverage for organ donation related expenses.

Ayush Treatment

Includes coverage for treatments under Ayurveda, Unani, Siddha and Homeopathy.

Annual Health Check-ups

Includes coverage for preventative routine check-ups on a yearly basis.

Modern Treatments

Includes coverage for advanced healthcare procedures such as robotic surgeries and other new-age treatments.

Also Read:All You Need To Know About Mental Illness Coverage By Health Insurance

Exclusions

Reliance health insurance in Jaipur does not cover medical expenses resulting from the following events:

  • Investigation and evaluation
  • Cosmetic or plastic surgery
  • War/nuclear invasion-related injuries
  • Obesity treatment
  • Experimental treatments
  • Gender-change surgeries
  • Rehabilitation and respite care
  • Treatment outside India
  • Self-inflicted injuries/suicide
  • Treatment for HIV and other STDs
  • Fertility treatments
  • Maternity and dental expenses (unless covered with an add-on)

Buying and Renewing Reliance Hea​​lth Insurance in Jaipur

Reliance Health Insurance Online Purchase Process

  • Step 1:On our Health Insurance page, enter your phone number, PIN code and name. Click on “View Prices”.
  • Step 2: Select who you want to cover: Self, Parents, Children or in-laws.
  • Step 3: Check the quote. If satisfied, select the type of coverage: OPD, Hospitalisation, Top-up, etc.
  • Step 4: Select the sum insured and add-ons, along with other coverage options.
  • Step 5: Enter a few other personal details and proceed with the premium payment.

Reliance Health Insurance Renewal Process

  • Step 1: Open our Health Insurance Renewal
  • Step 2: Enter your contact number or policy number.
  • Step 3: Review and adjust the existing plan.
  • Step 4: ​Proceed for premium payment.

Documents Required for Reliance Health Insurance Purchase/Renewal

Type of Document

Examples

Age Proof

● Aadhar Card

● Passport

● Birth Certificate

● Driving Licence

● Voter ID

Identity Proof

● PAN or Form 60 (Mandatory)

● Driving Licence

● Aadhar Card

● Voter ID Card

● Passport

Address Proof

● Ration Card

● Aadhar Card

● Passport

● Rental Agreement

● Utility Bills

Medical Reports

Medical reports may be required based on the selected plan and current health condition.

C-KYC Process

Complete CKYC (Central Know Your Customer) process as per AML guidelines laid by IRDAI.

How to File a Claim for Reliance He​​alth Insurance in Jaipur?

Cashless Claim Process

  • Step 1: Register your claim right after you are prescribed hospitalisation by your doctor. There are three ways to do so:
  • Step 2:Once your health insurance claim request is approved, visit any network hospital (or non-network hospital) for the required treatment.
  • Step 3:After your treatment is complete, we will settle your bills by collaborating with the chosen hospital.

Reimbursement Claim Process

  • Step 1: Inform us and register your claim using any method mentioned above.
  • Step 2: ​Visit any hospital or medical facility and get the necessary treatment.
  • Step 3: After your treatment is complete, settle the expenses in full and collect all the bills.
  • Step 4: Submit your bills alongside other specified documents for reimbursement.

Documents Required

  • Duly filled out health claims form.
  • Original bills and other payment receipts
  • Pharmacy bills
  • Discharge papers
  • Medical reports
  • Policy details
  • FIR (if applicable)
  • Other documents required by our claims department.

Check out the complete list of documents required to claim Reliance General health insurance in Jaipur.

Reliance Network Hospitals in Ja​​ipur

Network hospitals are registered medical facilities that have tie-ups with health insurance companies in Jaipur.

Simply put, Reliance network hospitals are our medical partners that provide you with best quality cashless treatment during your medical emergencies. We have over 10,000 network hospitals located all over India, including Jaipur and other cities in Rajasthan.

You can visit these hospitals for treatment and get yourself cashless services without worrying about hefty upfront payments. Once your treatment is complete, we settle your expenses directly with the chosen hospital.

This way, you can focus on your treatment and recovery while we take care of the financial arrangements.

About Cashless Everywhere Initiative 2024

In January 2024, the General Insurance Council (GIC) announced the “Cashless Everywhere” health scheme to facilitate the policyholders.

Under this scheme, you can visit any hospital across India to receive cashless treatment with your health insurance policy.

Simply put, you can get cashless treatment at any network or non-network hospital in the country.

Why Choose Reliance Network Hospitals?

While cashless treatment is available at any hospital in the country, there are numerous reasons why you should choose Reliance network hospitals:

  • Comprehensivecare, no delays and timely discharge
  • Faster claims approvals and seamless settlement
  • Trusted and qualified doctors
  • Availability of advanced treatments
  • 24*7 emergency assistance

Wellness and Prevention Tips in ​Jaipur

  • Exercise regularly and also take care of your mental health.
  • Drink lots of water and other healthy beverages to keep yourself hydrated.
  • Eat a balanced diet and avoid ultra-processed food.
  • Take routine check-ups to prevent and detect health issues early on.
  • Wear a mask and protective clothing to limit your exposure to pollution.

Also Read:Mind your Mind ~ at Work!

Frequently Asked Questions (FAQs)

  • Do you offer NRIs health insurance in Jaipur?

    Yes. We offer an international health insurance plan in Jaipur, which is an excellent choice for NRIs and overseas travellers. It covers planned hospitalisation expenses overseas.

  • Can I buy more than one health insurance policy in Jaipur?

    Yes. You can buy multiple health insurance policies to enjoy dedicated coverage for different health risks.

  • Is ₹2 lakh sum insured enough in Jaipur?

    ₹2 lakh sum insured may not be enough to cover your medical expenses in Jaipur due to higher healthcare costs. For this reason, go for at least ₹10 lakh sum insured.

  • Where should I buy the best health insurance in Jaipur?

    You can visit Reliance General Insurance to buy the best medical insurance in Jaipur. You can easily buy our plan online via our website or the Reliance Self-i app. You can also visit our Jaipur branch to purchase a policy offline.

  • What is the maximum age limit for buying medical insurance in Jaipur?

    As of 2024, the IRDAI has removed the age cap on buying health insurance. So, anyone of any age (over 18 years) can purchase a health insurance policy from an insurer of their choice.

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