Mangalore, located on the Arabian Sea coast in Karnataka, is one of India’s major commercial hubs. The city is rapidly developing, so the cost of living and healthcare expenses are high, at par with other major metro cities. In such a scenario, having a health insurance policy can provide much-needed financial security against rising medical costs. Read on to understand more about how to find the right health insurance in Mangalore. 

Understanding The Need For Health Insurance In Mangalore

There are several reasons why health insurance is a must in Mangalore:

• High-Quality Healthcare: Mangalore has a robust healthcare infrastructure, with multi-specialty hospitals, diagnostic centres, and skilled doctors. Health insurance is essential to access the best treatment.

• Coverage For Pre-Existing Diseases: Many people may suffer from chronic illnesses like diabetes or hypertension. Health plans cover hospitalisation due to complications arising from pre-existing conditions.

• Cashless Hospitalisation: Mangalore has many network hospitals where cashless benefits allow policyholders to skip paying huge bills upfront. The insurer directly settles the amount with the hospital.

• Tax Benefits: Premiums paid up to ₹25,000 for self, spouse and children are eligible for tax deduction under Section 80D of the Income Tax Act.

• Financial Aid: Health insurance acts as a financial security in case of medical emergencies or planned treatments by covering hospitalisation expenses.

• Wide Range Of Benefits: Policies include inpatient care, daycare procedures, pre- and post-hospitalisation, ambulance, critical illness and maternity covers.

Types of Health Insurance Plans Available in Mangalore

Mangalore has various health insurance options to suit diverse needs and budgets:

1. Individual Health Insurance Plans

Covers hospitalisation expenses of individual policyholders. Offers sum insured from ₹1 lakh to ₹ 1 crore. 

2. Family Floater Plans 

Covers the entire family under a single sum insured. Premium is cheaper compared to individual plans.

3. Critical Illness Plans

Provides lumpsum amount on diagnosis of listed critical illnesses like cancer, renal failure, paralysis, etc. It can be taken as a standalone plan or a rider with health insurance.

4. Top Up Plans

Provides additional coverage over and above an existing health plan. It is ideal for people who need a higher sum insured.

5. Senior Citizen Plans

Tailored to meet coverage needs of the elderly like pre-existing disease coverage, co-payment waivers, etc. 

6. Group Health Insurance

Provided by employers, it covers hospitalisation costs of employees and dependents. Offers ease of enrollment and premium discounts.

7. Disease-Specific Plans

Plans like vector-borne disease health insurancfe provide specialised coverage for illnesses like dengue, malaria, chikungunya, etc. For example, “Corona Kavach” and “Corona Rakshak” are COVID-focussed insurance policies that provide coverage for coronavirus hospitalisation expenses.

8. Personal Accident Cover

It covers partial or total disability, death, and other injuries caused by accidents. Provides lumpsum payout over health insurance.

Managing High Blood Pressure with Health Insurance

Hypertension requires lifelong treatment. Diagnosis brings relief but also worries over costs. Unrestrained blood pressure can lead to heart disease and stroke. Health insurance provides access to specialised care when needed without financial stress. It motivates younger members to adopt healthy lifestyles.

Plans cover check-ups, medicines, hospitalisation and advanced treatments. Tax benefits deduct premiums from taxable income. Health insurance for high blood pressure is crucial for health management. Higher coverage ensures following medical advice without budget constraints. This allows focusing on controlling blood pressure through medications, lifestyle changes, and ongoing care.

Conclusion

Rising medical inflation, treatment costs, and healthcare infrastructure make health insurance necessary in Mangalore. Comprehensive insurance covering hospitalisation provides financial aid and ensures citizens can access quality healthcare facilities in the city without financial hurdles.