Health Insurance in Kanpur

Most people are found to avoid purchasing a health insurance policy as it may turn out to be expensive, especially if the policy needs to cover the entire family. However, it is important to note that not getting a health insurance plan could cost much more when one faces a medical emergency. A medical emergency such as a major road accident could result in serious injuries that need extensive treatment. Extensive treatment automatically translates to hefty hospital bills that the victim may or may not be able to pay.

Healthcare in Kanpur

Kanpur has several private sector and public sector hospitals and clinics. Lala Lajpat Rai Hospital, also known as Hallet Hospital, is a multispeciality government hospital in Kanpur. It is said to have Asia’s largest outpatient department. Apart from Hallet Hospital, many maternity hospitals, eye hospitals, and dental hospitals that offer optimum facilities are present in the city. Kanpur also has many yoga centres where yoga sessions are held on a regular basis throughout the year.

Need for health insurance in Kanpur

Lifestyle diseases were unheard of a few years ago but today many Indians are at a risk of death due to certain non-communicable diseases such as cancer and cardiac ailments. The change in lifestyle and sometimes hereditary reasons, too, could increase the chance of certain serious lifestyle diseases. A major ailment or even a minor medical condition would require the person to spend a considerable amount on treatments. Additionally, the medical costs have been on the rise and treatments today are much more expensive than they were in the recent past. Therefore, it is advisable to get health insurance so that one is not burdened with hospital bills during an emergency.

Health insurance companies in Kanpur

Here are the details of a few of the health insurance companies in Kanpur:

• Bajaj Allianz

Bajaj Allianz General Insurance Co. Ltd. was registered under the Insurance Regulatory and Development Authority (IRDA) on 2 May 2001. With the vision to be the first choice for prospective policyholders, the company offers several insurance products including commercial insurance and cyber safe insurance, among others. Under the health insurance category, specific plans for individuals and families can be found. A critical illness plan and a top-up plan are also offered by the company. The insurer has a wide network of hospitals throughout the country. A few of the network hospitals in Kanpur are Fortune Hospital, Chandni Hospital Pvt. Ltd., The Orient Hospital, Gahlaut Healthcare Pvt. Ltd, etc.

• Care

Care Health Insurance Co. Ltd. is promoted by Care Enterprises Ltd., an Indian financial services group as well as Fortis Healthcare, a premier hospital group. Union Bank of India and Corporation Bank, both leading banks in the country, are also shareholders of Care Health Insurance. The company offers a variety of plans under each of its sections – travel insurance, health insurance, and fixed benefit insurance. Each of the plans has been designed, keeping in mind the requirements of customers. The company has also partnered with many hospitals pan-India. The partnered hospitals in Kanpur include Dey’s Hospitals, Utkarsh Hospital and Maternity Home, Kulwanti Hospital & Research Centre, Regency Hospital, etc.

• Star Health & Allied

Star Health and Allied Insurance Co. Ltd. started its operations in the year 2006 to become the first stand-alone health insurance company in India. The company has more than 430 branches throughout the country, making all its products easily accessible. The insurer’s hospital network base covers more than 8,400 hospitals which include Satya Trauma & Maternity Centre, Metro Hospital, Sarojini Medical Centre, Madhulok Hospital, Taurus Hospital, etc., in Kanpur.

• Reliance

Reliance General Insurance caters to the insurance needs of individuals, corporates as well as SMEs. The services of the company are easily accessible with the 139 branches set up in the country. The company offers various insurance products and health insurance is one among them. Simple health insurance plans, comprehensive health insurance plans, critical illness plans, and personal accident plans are offered by the insurer. The company also has tie-ups with various hospitals across the country including Hashmi Hospital & Physiotherapy Centre, Sapna Charitable Hospital, Anjali Hospital, Abhishek Hospital, Lakshya Hospital, Bhargava Hospital, etc., in Kanpur.

• ICICI Lombard

ICICI Lombard General Insurance Co. Ltd. is one of the most preferred private sector health insurance companies in India. As on 31 March 2018, the company had issued 2.3 crore policies and settled 15 lakh claims. The company offers several insurance products including home insurance, business insurance, NRI insurance, etc., among others. Under the health insurance section, the company offers three unique plans that customers can choose based on their requirements. The company has partnered with more than 3,600 hospitals in the country including Krishna Super Speciality Hospital, Regency Hospital, Santosh Hospital, R.K. Devi Memorial Hospital, Zeus Gastro Institute and Research Centre, etc., in Kanpur.

• IFFCO Tokio

IFFCO Tokio General Insurance was started in the year 2000 and currently has several branches scattered across the country as strategic business units, lateral spread centres, and bima kendras. The company offers a range of insurance products, one product being health insurance. The health insurance products include family plans, individual plans, personal accident plans, critical illness plans, and so on. The insurer has many hospitals on its network hospitals list. A few of them in Kanpur are Apex Hospital and Trauma Centre, Bhargava Hospital, Brij Medical Centre Pvt. Ltd., Emerald Multi Speciality Hospital, J.L.Rohatgi Hospital, Krishna Super Speciality Hospital, etc.

The above-mentioned insurance companies are only a few of the many insurance companies present in Kanpur. Each of the companies has a wide hospital network. The benefit of such network hospitals is that policyholders can avail cashless facilities for the treatments or surgeries undergone in the hospital. To avail the cashless facility, the policyholder will have to notify the insurance company. The insurance company will then directly pay the hospital bill at the time of discharge.