Health Insurance in Ludhina

• Enjoy options to cover yourself, your spouse, kids and even your parents
• Enjoy access to 10,000+ hospitals for cashless treatment
• Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

An unplanned medical treatment or hospital admission can set you back financially, especially if you don’t have a significant amount of money saved up. In order to protect yourself against such expenses, it is vital to purchase a health insurance policy with coverage suited to your needs.

Most health insurance plans provide coverage against inpatient hospitalisation, pre and post-hospitalisation expenses, room rent charges, diagnostic tests, physician’s fees, etc. In addition, policyholders can also avail tax benefits under the Income Tax Act, 1961, upon purchasing a health insurance policy.

Healthcare in Ludhiana

Over the years, Ludhiana has grown to become an important city in Punjab. Thus, several leading hospitals and medical institutions have been set up in the city to provide good healthcare facilities to its residents. Residents of Ludhiana can seek treatment in both public hospitals and private medical establishments. A few hospitals in Ludhiana are AIMC Bassi Hospital, Aastha Kidney Hospital, Satluj Hospital – Super Specialty Trauma Center, etc.

Need for Health Insurance in Ludhiana

Factors such as high pollution levels, unhealthy dietary patterns, and obesity have made the residents of Ludhiana more susceptible to lifestyle diseases and various critical illnesses. Given how expensive it can be to treat such illnesses, it is highly advisable to purchase a health insurance cover at the earliest. With a health insurance policy, residents of Ludhiana can undergo treatment at any medical establishment without undergoing financial hassles.

Health Insurance Companies in Ludhiana

There are several general insurance firms and standalone health insurance companies that offer their health insurance policies to residents of Ludhiana. A few such insurance companies are listed below:

• Bajaj Allianz General Insurance Company Limited: Bajaj Allianz General Insurance was established in the year 2001. Today, the insurer has a pan-India presence, with offices located in various towns and cities across the country. The insurer has one branch office in Ludhiana. A few cashless hospitals that the insurer has tied-up with are Rana Eye and Maternity Hospital, Arogya Hospital, Dayanand Medical College and Hospital, etc. Individuals who purchase health insurance policies from Bajaj Allianz can undergo cashless treatment at any one of these hospitals.

• ICICI Lombard GIC Ltd.: ICICI Lombard is a non-life insurance firm that commenced its operations in the country in the year 2006. The insurer offers a health insurance plan (ICICI Lombard Complete Health Insurance), a top-up cover (ICICI Lombard Health Booster), and a personal accident policy (ICICI Lombard Personal Protect Policy). ICICI Lombard has partnered with a few network hospitals in the city including Aastha Kidney & Super Speciality Hospital, Arora Neuro Centre, Christian Medical College & Hospital, etc. The insurance company has one branch office in Ludhiana.

• Universal Sompo General Insurance Co. Ltd.: Universal Sompo General Insurance is a private-sector general insurance company that offers a range of individual and group health insurance solutions. The insurer has one branch located in Ludhiana. Universal Sompo has partnered with several healthcare providers in the city such as Arora Neuro Centre Pvt. Ltd., Dhami Eye Care Hospital, Fortis Hospital, Rattan Multispeciality Hospital & Diagnostic Centre, etc.

• Reliance General Insurance: Reliance General Insurance is a popular non-life insurance provider with a pan-India presence. The insurer has around 139 offices and over 26,587 intermediaries across the country, with one branch office located in Ludhiana. Reliance General Insurance offers individual health insurance policies, a personal accident policy, a critical illness insurance plan, etc. as part of its product offerings. As on 2018, the insurer has partnered with 37 cashless hospitals in Ludhiana. A few of these hospitals are SPS Apollo Hospital, Anmol Hospital, Sankara Eye Hospital, Satyam Hospital, etc.

• Care Health Insurance: Established in the year 2012, Care Health Insurance has grown to become a preferred health insurance provider in India. The insurer has around 74 offices across the country, with one branch office located in Ludhiana. Residents of Ludhiana who have purchased health insurance policies from the insurance provider can avail cashless treatment at network hospitals such as Chugh Eye Surgery Centre, Dayanand Medical College, Deepak Hospital, etc.

• Apollo Munich Health Insurance: Formed due to a partnership between the Apollo Hospitals Group and Munich Health, Apollo Munich Health Insurance is a popular insurance provider in India. The insurer has three branch offices located across Ludhiana and has partnered with various healthcare providers in the city including Avasthi Bone & Joint Clinic & Hospital, Bassi Nursing Home Pvt. Ltd., Fortis Hospital, Mittal Hospital, etc.

Apart from the above-mentioned list of insurance providers, there are several other insurance companies that offer health insurance solutions with the option to avail cashless hospitalisation facility to residents of Ludhiana. Thus, you should make sure to visit the websites of various insurance companies, compare plans, research the network hospitals available in your city of residence, and pick a plan that is well suited to your needs.