Health Insurance in Nashik
TATA AIG policy
Health Insurance in Nashik
Located 165 km from Mumbai, Nashik is the largest city in northern Maharashtra. It’s also one of the fastest-growing Indian cities and a major hub for food processing, automobiles, and electrical components. Inadequate infrastructure, poor sanitation and overcrowding have led to a high burden of hypertension, diabetes, malaria, dysentery, and other diseases. Such risks necessitate health insurance in Nashik to protect your loved ones.
A health insurance plan covers a wide variety of expenses, from hospitalisation to daycare treatment and ambulance charges. Get TATA AIG’s medical insurance plans for comprehensive coverage, competitive prices, year-round discounts and personalisation options. We offer a wide range of health plans, from individual and family floater plans to critical illness and super top-up plans. Find the right insurance for you and your family.
Quick Summary - Health Insurance in Nashik
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What the Data Says About Major Health Issues in Nashik
Diabetes and Hypertension: Non-communicable diseases, including diabetes and hypertension, account for the state’s largest disease burden. The Health Dossier reports that hypertension affects 16% of men and 13.7% of women, while diabetes affects 6.5% of men and 5.7% of women.
Vector-Borne Illnesses: Malaria, dengue and chikungunya are especially prevalent in semi-urban and rural areas near Nashik. A study of top disease outbreaks between 2017 and 2023 shows that malaria, dengue and chikungunya account for 17% of all outbreaks in India.
Water-Borne Diseases: Food/water-borne diseases such as dysentery, diarrhoea, typhoid, jaundice, amoebiasis and gastroenteritis have been reported in infectious disease outbreaks in Nashik. A Nashik Municipal Corporation (NMC) report shows that 318 people were hospitalised with typhoid fever, 30 with jaundice and 8 with gastroenteritis for 2020-21.
Air-Borne Disease: Lower respiratory infections and drug-susceptible tuberculosis are major causes of fatalities in Maharashtra. Swine flu outbreaks have also been reported in recent years. The NMC report shows that 8446 residents were hospitalised due to respiratory illnesses and 6 with swine flu in 2020-21.
Heart Diseases: Ischemic heart disease, high systolic blood pressure and other cardiac problems are prevalent due to lifestyle factors and pollution. As per the NMC report, 4402 hospitalisation and 4 deaths were reported in 2020-21 due to heart attacks in Nashik.
Why Do You Need Health Insurance in Nashik?
1. Covers Exorbitant Hospital Bills: Being hospitalised in Nashik can cost several lakhs for major surgeries, which can deplete years of diligent savings or push you into debt. Medical insurance acts like a financial shield, protecting your hard-earned savings with a relatively small premium.
2. Protection from Lifestyle Diseases: Lifestyle diseases are the most concerning health issue in Nashik, with conditions like diabetes, hypertension and heart diseases being widespread. Nashik health insurance plans provide an effective solution by covering preventive checkups and long-term care.
3. Deals with Medical Inflation: The cost of treatment, medications, diagnostics, and doctor consultations increases every year above general inflation rates. This will make healthcare even more expensive in the future. Health insurance helps manage growing expenses by covering hospitalisation, ambulance charges, and more.
4. Safeguards Your Family: Covering medical expenses for multiple people can be a massive financial burden. Fortunately, family health insurance plans in Nashik cover your entire family under a single, cost-effective plan. With specialised coverage, your loved ones are included in the financial safety net.
5. Supplements Employer Health Plans: Employer-provided plans often do not cover advanced treatments, consumables and family members and stop once you leave the employer. To ensure continued coverage, opt for plans like super top-up health insurance that cover these gaps.
Reasons to Buy Health Insurance from TATA AIG in Nashik
- Extensive Cashless Hospital Network: The best health insurance in Nashik gets you access to 12,000+ cashless hospitals in India and 200+ providers in Nashik. Get seamless cashless claims, special offers and minimal verification with our network providers.
- Reliability and Trustworthiness: Our plans are backed by the reliability and trust of one of India’s most widely recognised brand names. We have 25+ years of experience serving the insurance needs of 5+ crore Indians and a consistently high Claim Settlement Ratio.
- Budget-Friendly Plans: We offer affordable health insurance in Nashik starting at ₹15 per day and year-round discounts. Secure up to 32% family floater discount, up to 10% long-term discount, 7.5% professional discount or 20% favourable experience discount, based on your chosen policy.
- Cumulative Bonus for Renewals: Every time you renew your plan with TATA AIG, we offer a cumulative bonus that increases the sum insured by 10% to 50% up to 100% of the base amount. This increases your health insurance coverage every year for free.
- Automatic Restoration: One of the top features of our health plans is the automatic restoration that provides medical coverage after you have spent all your benefits. We restore up to 100% of the base sum insured and the cumulative bonus. The benefit depends on your selected plan.
- Fully Customisable Policies: No matter your needs, we have the right plan for you. Choose an individual health insurance plan for just yourself or a family plan to include your loved ones. If a plan doesn’t cover a benefit you want, such as OPD treatment or maternity cover, you can easily get it by purchasing an add-on.
TATA AIG Health Insurance in Nashik - Inclusions, Exclusions & Add-ons
| Inclusions | Exclusions | Add-Ons |
|---|---|---|
| Hospitalisation expenses, including room rent, surgery, and medicines | Illness or accident due to illegal activities | Vaccination Cover |
| Daycare treatment covering 540+ listed procedures | Treatment taken from excluded providers or doctors | Voluntary Copayment |
| Pre- and post-hospitalisation expenses for a certain period | Growth hormone therapy, sleeping disorders, or alcoholic pancreatitis | Premium Waiver Benefit |
| AYUSH treatments, including Ayurveda, Naturopathy and Homoeopathy | Any expense related to sterility or infertility | Emergency Assistance Services |
| Ambulance charges for emergency hospitalisation | Any treatment or service with unproven scientific evidence | Cumulative Bonus Shield |
| Preventive health checkups up to a certain limit | Surgery and medical procedures for gender change | Domestic Second Opinion Rider |
| Domiciliary hospitalisation for more than three days | Alcoholism, drug addiction and substance abuse | Room Eligibility Modification |
| Organ donor expenses (harvesting only) | Carry Forward Unutilised Sum Insured | |
| Global treatment cover (available with select plans) | OPD Dental Treatment | |
| Compassionate travel expenses (select plans) | Global Cover for Planned Hospitalisation | |
| Medical second opinion (select plans) | OPD Treatment | |
| Vaccination cover (select plans) | Wellness Services |
How to Buy Health Insurance in Nashik Online
Instant Online Health Insurance
Get instant quotes and policy issuance from TATA AIG
1. Click on Purchase Insurance: Click on the ‘Want to buy insurance’ button at the top of this page.
2. Include Your Family: Select the number of members or choose members and click on the ‘Get Plan’ button.
3. Provide a Few Details: Enter some basic personal details, including your date of birth, contact number and PIN code.
4. Choose Your Plan: Pick a plan from the different options available. Select the sum insured, tenure and include add-ons as per your preference.
5. Pay the Premium: Check the premium breakup details. If you want to proceed, pay the premium online to buy a new health plan.
How to Renew Your TATA AIG Policy Online?
1. Select Health Insurance: Scroll to the top of this page. Find the ‘Renewal’ menu and select ‘Health’ from the dropdown options.
2. Enter Policy Number: Type your existing policy number and click on ‘Renew’.
3. Choose Your Plan: Review your existing policy details and make the necessary changes, including sum insured and add-ons.
4. Pay the Renewal Premium: Pay the final premium to complete the renewal process for online health insurance in Nashik.
How to Claim Medical Insurance in Nashik?
Cashless Claim- Non-Emergency
1. Inform Us: Select a hospital in Nashik and file a cashless claim via our claim portal, email or letter at least 48 hours before your planned treatment.
2. Wait to Get Confirmation: Wait till we process your claim and send you a confirmation letter detailing your upcoming treatment.
3. Submit the Letter: Upon arrival at the hospital, present your confirmation letter and insurance card at checkout. We will take care of the rest.
Cashless Claim- Emergency
1. Inform Us: Inform us about your emergency hospitalisation by calling our customer care helpline (022-6489-8282).
2. File a Claim: Submit a cashless claim form within 24 hours with your health insurance card, policy documents, and identity and address proof.
3. Wait to Get Authorisation: Once we verify your claim, we will send an authorisation letter to the hospital and settle your bills with them.
Reimbursement Claim
1. Pay for Your Treatment: Cover the cost of your treatment and collect all relevant bills and prescriptions.
2. File a Claim: Submit a reimbursement claim form with documents, including your insurance card, medical certificate, discharge card, pharmacy bills and diagnostic reports.
3. Wait to Get Settlement: After we verify your claim and supporting documents, we will send the approved reimbursement to your bank account.
How Much Health Insurance Coverage Do You Need in Nashik?
As a tier-2 city, Nashik has moderate levels of medical inflation. The minimum coverage you need here depends on the number of family members and their ages, pre-existing conditions and health risks. Here are the minimum recommended amounts for mediclaim policy in Nashik:
- For a Young Individual: At least ₹5 lakhs of health coverage is required for a single person in their 20s in Nashik. To cover expensive procedures, get at least ₹7.5 lakhs to ₹10 lakhs of coverage.
- For Older Individuals: Experts recommend getting 3-5 times one’s annual income for individuals above 40 years, e.g., ₹15-25 lakhs for an annual income of ₹5 lakhs.
- For Senior Citizens: At least ₹15 lakhs of health insurance coverage is advisable for individuals above 60 years, regardless of their income. A higher sum insured is recommended for elderly persons with pre-existing conditions.
- For Families: In a tier-2 city, at least ₹10-20 lakhs is necessary for young families with up to 2 kids. For larger families, get at least ₹5-10 lakhs per additional member.
Is Government Health Insurance Enough to Cover Medical Expenses in Nashik?
The Maharashtra state government has combined the Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) with the Ayushman Bharat Yojana to provide universal coverage to every family in the state. However, the benefits are not enough for an average family in Nashik. Here’s why:
| Parameters | Government Health Insurance (MJPJAY) | Private Health Insurance (TATA AIG) |
|---|---|---|
| Coverage limit | ₹5 lakhs per family per year | Any from ₹5 lakhs to ₹3 crores based on your chosen plan |
| Cost | Entirely free | A premium based on the sum insured and risk factors |
| What’s covered | Secondary and tertiary procedures under 34 specialities | Hospitalisation expenses, pre- and post-hospitalisation, daycare, AYUSH, etc. |
| Cashless Treatment | Available at empanelled private and public hospitals in Maharashtra | Available at any hospital in India under Cashless Everywhere |
| Flexibility | Same set of benefits for everyone | Fully customisable plan with add-ons |
| Eligibility | Any family with an official residence in Maharashtra | Any adult and dependent children |
Cashless Network Hospitals in Nashik
At TATA AIG, we have a network of 209 network providers in Nashik and 192 valued providers, including multispecialty hospitals, speciality clinics and medical research centres. Explore our most popular cashless hospitals in Nashik:
- Ashoka Medicover Hospital (Wadala Shivar)
- Apollo Hospital (Panchavati)
- Apex Superspeciality Hospital & Research Centre (Panchavati)
- HCG Manavata Cancer Centre (Mumbai Naka)
- Suyash Hospital (Tidke Colony)
- Shri Guruji Rugnalaya (Gangapur Road)
- Magnum Heart Institute (Canada Corner)
- Namco Hospital (Panchavati)
- Sujata Birla Hospital And Medical Research Centre (Nashik Road)
- Jairam Hospitals & Research Centre Pvt Ltd (Nashik Road)
- Borneo Mother & Child Care Hospital (Mumbai Naka)
- ASG Hospital Pvt Ltd (Gangapur Road)
- Nashik Rugnalaya (Bhabha Nagar)
- Birla Eye Hospital (Trimbak Road)
- Gaurav Accident Hospital (Police Staff Colony)
To find a cashless hospital near you, visit our cashless network hospital page and enter your city name for the complete network list.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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Frequently Asked Questions
1. What is the best health insurance for elderly people in Nashik?
Senior citizen plans are considered the best for elderly individuals as they come with no upper age limits and provide specialised age-related coverage. Most health insurance plans do not cover senior citizens, making these plans the best choices for individuals aged 60 years or older. TATA AIG’s Elder Care Plan offers lifetime renewability, post-operative care, wellness services, compassionate care, and other benefits.
2. How can I get affordable health insurance in Nashik?
Compare multiple plans and research your options before buying medical insurance. Getting your first health insurance at a young age also lets you get lower prices and accumulate a larger No Claim Bonus. Other ways to get lower prices include opting for a higher deductible or voluntary copayment and avoiding unnecessary add-ons. At TATA AIG, you can get discounts by adding family members to your plan and opting for longer tenures.
3. What is the best health insurance amount for a family in Nashik?
₹20 lakhs is considered enough for a family of four, including two kids, provided that no partner is above 40 years of age. Higher amounts are recommended with bigger family sizes, more older members and pre-existing conditions like diabetes, heart conditions and hypertension. For a large family, having ₹5-10 lakhs of coverage per person is recommended. Check the average medical expenses in your area to assess your coverage needs.
4. Which health insurance offers the biggest coverage?
TATA AIG’s plans offer a sum insured of up to ₹3 crores based on your chosen plan and your specific requirements. While it may be tempting to go for the highest coverage, you should consider other factors such as your budget, family size, age, medical history and the average cost of treatment near your locality. Use our health insurance calculator to estimate the cost of your high-value plan.
5. Does government medical insurance in Nashik cover all medical expenses?
No, government schemes like the Mahatma Jyotirao Phule Jan Arogya Yojana only cover secondary and tertiary treatments and exclude all minor expenses. It does not cover pre- and post-hospitalisation expenses, including diagnostics and consultations, preventive checkups, medical consumables, treatment at AYUSH hospitals and domiciliary treatment, which are covered by health insurance plans. Government schemes are also limited to hospitals in the home state, unlike health plans.
6. Do health insurance plans in Nashik cover diabetes, thyroid and cholesterol?
Yes, all health insurance plans cover hospitalisation, daycare treatment and pre- and post-hospitalisation expenses related to conditions like diabetes, thyroid and cholesterol. If these are pre-existing conditions as of buying your health plan, they are covered after a waiting period of 3 years. Some plans also cover OPD (outpatient department) expenses for treating these conditions.
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