Buy/Renew Health Insurance Policy Online in Hyderabad

Hyderabad is one of the best places to visit in India if you are a foodie. The city’s culinary heritage can be traced back centuries, with Hyderabadi Biryani being the most popular dish to have originated from this place.

Apart from the delicious food, Hyderabad is also an important city when it comes to commerce and industry. It is sometimes referred to as the ‘City of Pearls’ thanks to its flourishing pearl trade.

However, one must also acknowledge the negatives of this city, including the high occurrence of lung cancer in women. Moreover, accidental death is also quite common in the city’s streets.

In fact, according to a 2019 estimate, Hyderabad roads witness around four deaths every day. (1) These health hazards have driven the need for quality health insurance in Hyderabad.

Given the importance of a health insurance, it is highly imperative that our healthcare policy is always active because we never know when we might need it.  Hence, paying the health insurance premium on time is of utmost importance. 

With an absolutely simple and digitally friendly process at Digit, you can renew your health insurance in just a few simple steps:

Step 1: Visit the Renewals tab on our website or My Policy section in Digit App and login with your registered mobile number or your policy details. 

Step 2: Click on the Renew Option for the Policy which is Pending for Renewal.

Step 3: Review the plan details, verify and click 'Pay Now.'

Step 4: Complete the payment and it's done! You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.

OR

You receive regular communication from Digit to renew your health insurance policy a few days prior to the renewal. These communications come with a renewal link that you can use to directly make the payment and renew your policy.

• Family floater Health Insurance
• Individual Health Insurance
• Health insurance for Senior Citizens
• Super Top-up health insurance
• Group Medical Insurance
• Maternity Health Insurance
• Personal Accident Insurance
• Arogya Sanjeevani Policy

Which Zone does Hyderabad Lie in when it comes to Healthcare Expenses?

Hyderabad is categorised as Zone A in terms of health insurance policies. Treatment expenses tend to be substantially greater in bigger metropolitan cities than it is in smaller towns or villages. Mumbai, being one of the costliest places to seek treatment, is therefore considered Zone A. 

At Digit, we have two zones: Zone A (Greater Hyderabad, Delhi NCR, Greater Mumbai) and Zone B (Rest of India). You get an additional discount on premium if you are based in Zone B. Not just that, we have No zone-based co-payment. 

Do you really need health insurance in Hyderabad?

When is Health Insurance Indispensable for Hyderabad Residents?

Hyderabad roads are witness to devastating accidents almost every day. Between January and November 2019, the city experienced more than 2600 road accidents. In them, 373 individuals perished (2).

When such a devastating accident occurs, you need to seek treatment immediately. With proper healthcare coverage, you can take advantage of top-notch facilities without worrying about expenses during these times.

Hyderabad also suffers from considerable levels of air pollutants, which can lead to severe respiratory conditions among residents. One should buy health insurance in Hyderabad to avail coverage against such expenses arising from these ailments.

Lastly, such policies can also act as a shield during critical illnesses, which are on the rise across all states in India.

Know more about health insurance with maternity cover

Which Health Insurance Policy is right for Hyderabad Residents?

Hyderabad is a city of contrasts, where you can find sprawling mansions as well as one the biggest slums in the world. Even though there is a huge financial gap between the upper and lower classes in the city, everyone needs a health insurance policy nonetheless.

If you live alone, you can pick a simple individual health insurance policy to cover all your medical expenses. However, if you stay with an extended family, which is more common in Hyderabad, you should look for a family health insurance policy.

If you are about to opt for a health insurance policy in Hyderabad, you can expect the following benefits from the same:

• Hospitalisation Benefits – Are exorbitant hospitalisation rates in reputed private hospitals preventing you from seeking the best treatment? Do not fret as a health insurance policy covers your financial liability related to hospitalisation for treatment of accidental injuries and illnesses.
  
• Critical Illness Benefit – When diagnosed with a critical illness, such as cancer or heart disease, you can claim hospitalisation expenses related to the condition in question.
  
• Ability to Save Money – If you do not claim under your health insurance policy for an entire year, you can enjoy cumulative bonus benefits under it. This benefit translates to an increased sum insured under your health insurance policy upon renewal, without the need to pay any additional amount.
  
• Tax Benefits – Under Section 80D of the ITA, health insurance policyholders can claim yearly tax benefit in health insurance premium payments.
  
• Annual Health Check-Ups – Such an insurance policy may allow you to undergo free check-ups every year. These check-ups can diagnose underlying problems, ensuring speedy treatment.
  

Moreover, as per fresh IRDAI guidelines, all insurance providers must also cover hospitalization expenses arising from Covid-19 treatment.

Disclaimer: Check the terms and conditions of your insurance policy thoroughly. The exact terms tend to differ from one insurer to the next.

Thus, it is important for Hyderabad residents to invest in a reliable health insurance policy. It can prevent unplanned medical expenses from ruining your personal finance.