Health Insurance in Chennai

Health Insurance in Chennai

Chennai, a bustling metropolitan city and the capital of Tamil Nadu, is a commercial hub. The city houses some of the finest healthcare centers and attracts several health tourists from across the globe. Known as India's health capital, Chennai has numerous government-aided and private hospitals, including multi-speciality hospitals offering superior medical care.

With life becoming fast-paced in metro cities, stressors like work, traffic snarls, and air pollution take a toll on our health. The cost of medical treatment has also skyrocketed, and without adequate financial support, paying medical bills can take away our hard-earned savings. Choosing the best health insurance in Chennai is the solution to deal with the struggles of getting quality healthcare with the utmost ease.

Avail the best healthcare facilities for your medical condition at any of the several cashless network hospitals in Chennai listed by Care Health Insurance. Using your Health Card, you can opt for cashless treatment without any hassles of paying for expenses from your pocket.

The Need for Health Insurance in Chennai

Living in a metro city implies hectic work life and facing health risks due to environmental factors such as pollution. Lung disorders such as Chronic Obstructive Pulmonary Disease (COPD) and other lifestyle diseases such as diabetes, hypertension, etc. are affecting lakhs of people living in the city. Despite the presence of quality healthcare, many people face difficulty in availing of the right treatment at the right time owing to the rising costs. Hence, opting for the best health insurance in Chennai can significantly reduce the cost burden on families.

Cashless Treatment

Medical emergencies demand dedicated attention and care for the patient. Dealing with an ailment and finding proper treatment can be stressful for a family. At this point, arranging for finances to pay for medical treatment can be another reason for stress. Thus, cashless treatment under the best health insurance policy in Chennai is highly beneficial. Cashless treatment is a facility wherein the insurer directly settles the hospital bills on behalf of the insured, subject to policy terms and conditions. The facility is, however, available only at the network hospitals listed by the insurer.

Tips to Consider Before Buying Health Insurance in Chennai

Purchasing a health cover for the first time can be confusing. The following factors that will give you an idea of choosing a suitable policy from the best health insurance company in Chennai:

• Figure out your needs based on your age, medical conditions, number of family members, etc.
• Choose a policy with high sum insured for getting adequate cover for your major medical expenses
• Find out the network hospitals of the insurer which are nearest to your location
• Make sure the policy offers you features like lifetime renewability, annual health check-ups, and no claim bonus
• Check for the policy exclusion and waiting period so that you can plan accordingly
• Know the claim settlement ratio of the insurer and the procedure to file claims

How to Avail Cashless Treatment in Chennai

Availing cashless treatment under medical insurance in Chennai at any network hospital is extremely convenient for a policyholder. The process involves the following steps:

• Choose any network hospital in the city for treatment
• Inform the insurer about hospitalisation within the specified time
• Submit the duly signed pre-authorisation form at the hospital insurance desk
• Provide all the supporting documents and the health card
• After verification of documents, the claim management team will send an approval
• If required, the claim management team may raise a query
• Upon approval, the medical bills will be settled, as per the policy terms and conditions

The claim will be processed by the insurance company, after considering the policy terms. The insured must contact the insurer within 24 hours in case of emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.