Health Insurance Plans in Kalyan

What is Health Insurance in Kalyan?

Kalyan is situated on the banks of the Ulhas River in the Konkan division of Maharashtra. With the increase in urbanisation, Kalyan has emerged as an industrial complex specialising in chemicals, synthetics, electrical equipment, and cottage industries. The region's increasing population also creates a growing demand for high-quality healthcare services.

These instances underscore the growing importance of medical insurance in Kalyan, ensuring families have prompt access to quality medical services. Let’s understand why choosing the best health insurance in Kalyan is crucial for protecting your health and finances.

The Necessity of Health Insurance in Kalyan

Due to the growth of industries, Kalyan is facing several health issues. It has resulted in a rise in air pollution levels. This has led to a surge in various respiratory diseases. People also suffer from communicable diseases due to water contamination.

Recently, COVID-19 cases have been rising in the city, which has also led to deaths. Apart from that, tuberculosis cases have risen post-COVID, causing havoc in the healthcare system of the city.

These health instances convey the importance of investing in health insurance plans in Kalyan to ensure access to quality healthcare services. A reliable health insurance plan can provide access to quality medical services without exhausting your savings.

Key Benefits of Health Insurance in Kalyan

Here’s how choosing the best health insurance in Kalyan can safeguard your family:

Cashless Hospitalisation

Leading insurance companies provide the convenience of cashless claim settlements at any of their network hospitals.

Pre- and Post-Hospitalisation Cover

Reliable health insurance plans in Kalyan offer coverage for pre- and post-hospitalisation costs to ensure proper recovery. You can get coverage for medical expenses incurred 30 days before and 60-90 days after hospitalisation, depending on the plan you choose.

Customisable Plans

Top insurers offer various plans tailored to each age group or specific health conditions.  You can customise your health insurance plan by adding appropriate riders, such as critical illness cover and outpatient care.

Preventive Health Check-ups

Top health insurance plans in Kalyan offer free annual health check-ups to identify potential health issues in the early stages. This may include blood tests, liver and kidney function tests, and cardiac assessments.

Comprehensive Coverage

Most insurance providers offer comprehensive health plans that cover all treatment-related costs. These can include consultation fees, diagnostic tests, daycare costs, surgical treatment, and follow-up appointments. Some plans may even cover organ transplants, donor costs, maternity, and newborn care.

Tax Benefits   

The amount paid for health insurance premiums can be deducted from taxable income under section 80D of the Income Tax Act. You can claim ₹25,000 annually for individual and family plans, and senior citizens can claim ₹50,000 per year. As a result, health insurance is a wise financial decision that safeguards your health and finances.

Medical emergencies can cause severe financial setbacks if you lack insurance coverage. Given the health risks, investing in health insurance plans in Kalyan can bring peace of mind during adverse times and protect your savings.