Health Insurance in Faridabad

• Chronic Respiratory Diseases: Air pollution is a severe threat in Faridabad, with a maximum PM2.5 concentration of 171.85 µg/m³ in winter, 11 times the WHO-recommended levels. This causes frequent cases of asthma, lung cancer, and other chronic respiratory conditions.
• Non-Communicable Diseases: Lifestyle factors like poor diet, tobacco usage and smoking have increased NCDs like diabetes, hypertension and cardiovascular diseases. As per the Health Dossier, 16.6% of men and 12.3% of women suffer from hypertension. Meanwhile, 6.4% of men and 5.4% of women suffer from diabetes.
• Infectious Diseases: Sanitation and waste management issues lead to high rates of infectious diseases, such as respiratory infections, tuberculosis, acute diarrhoea, pneumonia and waterborne diseases. A study of an OPD department in Haryana shows that the majority of illnesses (42%) come from systemic infectious diseases.
• Geriatric Health Problems: Faridabad has a growing elderly population, who tend to suffer from certain geriatric health problems like musculoskeletal disorders, cataract, hypertension, and visual impairments. A [cross-sectional study]Morbidity pattern and health seeking behaviour of the geriatric population in a rural area of district Faridabad, Haryana: a cross-sectional study in Faridabad shows that 93.3% people have one or more of these medical issues.

1. High Out-of-Pocket Expenses: Households that don’t have sufficient health insurance coverage incur significant out-of-pocket expenses during emergencies. In Faridabad, 79.9% of rural households and 51.1% of urban households spend 20% of their income on health expenses.

2. Access to Timely Healthcare: As a rapidly growing city, Faridabad has high healthcare demand, leading to longer waiting times and delayed treatment. Having medical insurance in Faridabad provides immediate access to the city’s best healthcare facilities without upfront payments.

3. To Combat Lifestyle Diseases: Lifestyle illnesses, such as diabetes, hypertension, cardiac diseases and chronic respiratory problems are increasing at an unprecedented pace across the country. A health insurance plan is necessary for prevention and long-term treatments for these diseases.

4. Protection for Your Savings: A single hospitalisation can result in an exorbitant bill that wipes out years of disciplined savings. For individuals with multiple dependents, hospital bills can be an overwhelming burden. A Faridabad health insurance plan protects your savings and prevents debt.

5. Provides Long-term Cost Savings: Getting insured as early as possible lets you lock in lower rates for your health plans when you are young and healthy. In addition, good health insurance plans offer special discounts and bonuses that increase over time.

• Individual Health Insurance

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• Senior Citizen Health Insurance

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• Family Health Insurance

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• Critical Illness Health Insurance

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• Super Top-Up Health Insurance

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• Arogya Sanjeevani Policy

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• Complete Hospitalisation Coverage: Our comprehensive plans cover every hospitalisation expense, including medicines, diagnostics, specialist fees, medical consumables and rent for private rooms. With a flexible sum insured up to ₹3 crores, everything is covered.
• Cashless Treatment Anywhere: Get admitted to any hospital in Faridabad with assured coverage with our Cashless Everywhere facility. All you need to do is send the request to us, and we will provide authorisation within 3 hours.
• Multiple Discount Offers: Get the most affordable health insurance in Faridabad with multiple discounts. Depending on your chosen plan, you are eligible for a long-term discount (up to 10%), family discount (up to 32%) and young family discount (up to 10%).
• Choice of Coverage Options: TATA AIG offers multiple insurance types and plans, from individual health insurance to family floater plans. Choose the best health insurance in India that lets you customise coverage with add-ons like maternity cover, OPD cover, consumable expenses, etc.
• Quick Seamless Settlements: Get quick and timely financial assistance by filing an online claim via our dedicated claim portal or the TATA AIG App. Experience a completely seamless claim process and assured settlement of approved claims.
• Automatic Restoration of Coverage: The best health insurance in Faridabad ensures continued coverage even after you have filed a claim and spent your sum insured. With the automatic restoration benefit, we automatically restore the sum insured and cumulative bonus after you have exhausted them.

Affordable and Comprehensive Health Insurance

Cost-effective, flexible and all-inclusive plans issued instantly

1. Click on the Buy Button: Scroll up to the top of this page and click on the ‘Want to buy insurance’ button.

2. Add Your Family: Select the number of family members and click on ‘Get Plan’.

3. Provide Information: Enter the few required details, including date of birth, mobile number, email address and PIN code.

4. Choose Your Coverage: Enter the sum insured and tenure. Include add-ons to enhance coverage, if needed.

5. Pay the Premium: Check the final premium. If you want to proceed, pay the premium online to buy health insurance.

1. Select the Renewal Option: Go to the ‘Renewal’ menu at the top of this page. Select ‘Health’ from the insurance options.

2. Enter Policy Number: Input your existing health insurance policy number and click on ‘Renew’.

3. Modify Coverage: Review the policy details and No Claim Bonus. Change the coverage limit and include add-ons as needed.

4. Pay the Premium: Pay the applicable premium to renew your online health insurance in Faridabad.

Cashless Claim- Non-Emergency

1. Plan Your Treatment: Select a hospital and submit a cashless claim via our claim portal, app, email or a letter before 48 hours of your treatment.

2. Wait for Confirmation: Wait till we verify your claim, intimate your selected hospital and send you a confirmation letter.

3. Submit the Confirmation Letter: At the insurance desk of the hospital, submit the confirmation letter along with our health insurance card. We will take care of the rest.

Cashless Claim- Emergency

1. Inform TATA AIG: Inform us about your medical emergency by calling our 24/7 helpline number (022-6489-8282).

2. Submit Your Claim: Submit the cashless claim form along with your health card, policy documents, ID proof, etc., within 24 hours of your hospitalisation.

3. Wait for Authorisation: After receiving and verifying your claim, we will send an authorisation letter to the hospital for cashless treatment.

Reimbursement Claim

1. Pay for the Treatment: For a reimbursement claim, pay for the treatment on your own and collect the relevant documents.

2. File a Claim: Fill out and submit a reimbursement claim form with documents such as discharge card, invoices, prescriptions and payment receipts.

3. Wait for Settlement: Wait till we verify your claim and submitted documents, and send the approved reimbursement amount.

To determine a sufficient sum insured amount, assess your and your family’s healthcare needs based on family size, age, medical history, pre-existing conditions, and your budgetary requirements. We recommend the following minimum coverage amounts for different persons:

• For a Single Individual: For a young single person with no prior medical history, ₹5-10 lakhs of health insurance is enough in a tier-2 city like Faridabad.
• For Individuals with Health Risks: For individuals with pre-existing diseases like diabetes or hypertension or a family history of specific illnesses, at least ₹15 lakhs is recommended.
• For Senior Citizens: Senior citizen plans with at least ₹15-20 lakhs are recommended, with higher coverage for pre-existing conditions.
• For Families: Family floater plans must have ₹20 lakhs for small and young families. At least ₹5-10 lakhs is recommended per person.

The Mukhymantri Muft Ilaaj Yojana (MMIY) is the main state government scheme, providing universal health coverage to all residents of Haryana for free. However, the scheme only covers public health institutions, leading to long wait times. Explore the differences between government schemes and mediclaim policy in Faridabad:

TATA AIG’s cashless hospitals provide minimal wait times, faster processing and less paperwork while providing top-quality treatment and various offers. We have a network of 12,000+ cashless hospitals across India, including 90+ network providers in Faridabad. Explore the most popular hospitals in your city:

• Amrita Institute Of Medical Sciences And Research Centre (Sector 88)
• Apex Multispeciality & Laparoscopy Hospital (New Industrial Township)
• Asian Institute Of Medical Sciences (Sector 21A)
• Chetram Eyecare Foundation (SGM Nagar)
• Fortis Escorts Hospital (New Industrial Town)
• Marengo Asia Hospitals (Sector 16)
• Raj Nursing Home (Ballabhgarh)
• Sarvodaya Hospital & Research Centre (Sector 8)
• Surya Ortho & Trauma Centre (New Industrial Town)
• Yatharth Super Speciality Hospital (Sector 88)

To find a TATA AIG network hospital near you, visit our cashless hospital page and enter the city name (e.g., Faridabad) to check all nearby hospitals.