Buy Health Insurance Policy Online in Jaipur
Jaipur, the capital city of Rajasthan, is also popularly known as the Pink City in India. This name originates from the fact that most of the buildings in this city were painted pink to welcome the Prince of Wales to the city in 1876.
While the city is a popular stop for national and international tourists due to its rich cultural heritage and historical significance, its residents suffer from quite a few troubles as well.
For instance, Jaipur leads in the state regarding the number of road accidents. In 2019, the city recorded 1224 road accident cases. (1)
Under such circumstances, individuals with health insurance in Jaipur can rest easy, since such policies cover the cost of hospitalisation when suffering injuries from such accidents.
What's great about Health Insurance in Jaipur by Digit?
What’s covered in our Health Insurance?
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatement Plan
This covers for all hospitalization expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalized.
This cover is for all expenses before and after hospitalization such as for diagnosis, tests and recovery.
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 2 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Your organ donor gets covered in your policy. We also take care of the pre and post hospitalization expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalization for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalized for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalization, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
What’s not Covered?
How to file a Claim?
Things to know when buying a Health Insurance in Jaipur
Zone-Based Classification of Jaipur’s Healthcare Expenses
Jaipur is categorised as neither a Zone A nor a Zone B city. Instead, most insurance providers classify it under Zone C.
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.
This means the cost of healthcare in this city is much more affordable than in bigger metropolises, such as New Delhi and Mumbai.
Nevertheless, a severe illness, which forces you to remain hospitalised for a few days, may still be difficult to handle financially.
If you decide to buy health insurance in Jaipur, you can reduce your medical expenses further, limiting sudden and unplanned costs. In the long-term, such a move can benefit your finances tremendously.
When Is Health Insurance Vital in Jaipur?
Health insurance in Jaipur is indispensable because of the many health risks that residents at the place are privy to on a daily basis.
In 2019, the city was witness to outbreaks of several concerning diseases, including Zika, swine flu, dengue and scrub typhus. (2) Each of these conditions has the potential to turn into a fatal disease in infected individuals.
Besides, accidental injury is also common in Jaipur. Regardless of the reason, citizens need to stay prepared to seek hospital treatment. Health insurance in Jaipur can help you prepare yourself for such unforeseen circumstances.
Which Health Insurance Should You Choose?
Choosing a health insurance plan requires you to be aware of your specific needs when it comes to quality healthcare. You can choose from two primary kinds of policies, namely individual and family health insurance.
Family policies allow you to include your spouse, children and dependent parents under the purview of the coverage. The associated plan’s sum insured is shared by all covered members of such a policy.
Compare the available health insurance in Jaipur online to determine the most suitable policy as per your requirements. Also, consider the claim settlement ratio of the insurance company offering the policy.
Benefits of Purchasing Health Insurance in Jaipur
Health insurance policies offer a wide range of features and facilities, including the following:
- Hospitalisation Expenses Cover – If you need to avail treatment at hospitals for accidental injury or illnesses, your policy will bear the expenses related to the hospitalisation.
- Cumulative Bonus – You can earn a cumulative bonus whenever you enjoy a claim-free year. This bonus can increase your policy’s sum insured after renewal without affecting the premium rates.
- Tax Benefits – Under Section 80D of the ITA, policyholders can claim yearly tax exemptions on insurance premiums payable.
- Critical Illness Cover – If you are affected due to critical illnesses, you can expect hospitalisation cover under such instances as well.
- Mental Peace – The policy offers peace of mind by ensuring that you do not have to worry about finances during a medical emergency.
- Regular Check-Ups – Health Insurance policy offers free annual health check-ups to policyholders, which can be crucial in screening against underlying health disorders.
In the current situation, health insurance policies are also providing financial compensation to policyholders who need to undergo hospitalisation due to Covid-19 infection.
Disclaimer: Remember that each policy offers different benefits and features. Read the terms and conditions carefully to understand what your policy covers and what it does not.
Availing of health insurance in Jaipur will, therefore, help save your hard-earned money. Additionally, it can be a great way to attain mental peace from the constant worry about funding treatments and hospitalisation.