Bikaner is a famous city in the state of Rajasthan. It offers facilities for a quality lifestyle, including medical care and several government hospitals with state-of-the-art facilities. Besides, there are many reputed private hospitals, clinics, dispensaries, and diagnostic centres. The government health department is also working towards augmenting the healthcare facilities.
While one has easy access to good health care, bearing the high costs of medical procedures is the only hindrance one may face. It is especially true in private hospitals. Medical inflation in India is steadily rising, which has made people concerned because they may have to spend a lot of money. Therefore, health insurance is vital in today’s times. Moreover, the benefits of
cashless health insurance have further simplified the process of paying hospital bills. Care Health Insurance has numerous cashless network hospitals in Bikaner. You can get timely medical care without any stress about the payment of bills.
The Need for Health Insurance in Bikaner
For urban dwellers, health risks arise majorly due to poor lifestyle. It can lead to non-communicable diseases, such as obesity, diabetes, hypertension, asthma, cardiovascular diseases, etc. These diseases have affected millions of people across the country including those living in smaller towns like Bikaner. Any minor health condition can take the shape of a severe illness. Medical treatment can be expensive and can drain away one’s life savings. The costs of basic treatment can go into lakhs of rupees in private healthcare centres. It could then lead to financial difficulties because medical costs are rising every year. Therefore, for people in Bikaner, getting health insurance is necessary as it acts as a financial safety net.
Cashless Treatment
Health insurance companies in India, such as Care Health Insurance, have made things easy for their customers by providing a cashless treatment facility. There is no longer the need to pay from one’s pocket in case of hospitalization. The expenses are settled by the insurer by making direct payment to the hospital on behalf of the policyholder. This facility, however, is available only at empanelled network hospitals. Using a health card, the insured can easily get admission to the hospital for treatment. It is a convenient option many families can choose and safeguard themselves in case of medical emergencies.
Tips to Consider Before Buying Health Insurance in Bikaner
Buying the best health insurance for yourself or your family involves a lot of planning. It is essential to consider the following factors before making a decision:
- Keeping in mind factors like age, medical conditions, number of family members, etc.
- Choosing a high sum insured which can cover the major medical expenses
- Ensuring there are network hospitals in your location
- Checking for policy features like annual health check-ups and no claim bonus
- Opting for an insurance company with an excellent claim settlement ratio
How to Avail Cashless Treatment in Bikaner?
Cashless medical treatment can be availed at any network hospital in Bikaner. The policyholder must follow the steps mentioned below:
- Choose any hospital from the list of network hospitals
- Inform us about hospitalization within the specified time
- Submit the duly-signed pre-authorization form at the hospital insurance desk
- Provide all the supporting documents and health card
- After verification of documents, the claim management team will send an approval
- A query may be raised if there is any information deficiency
- After approval, the medical bills are settled, based on the policy terms and conditions
The policyholder should inform the insurer within 24 hours in case of emergency hospitalization and 48 hours prior to admission in case of planned hospitalization.