Health Insurance in Chennai

Key Features of the Best Health Insurance Plan in Chennai

The following are key features included in the best health insurance in Chennai:

Cashless Hospitalisation

Avail cashless treatment at a network hospital without any delay or need for upfront payments. 

Critical Illness Coverage

Offers financial protection for serious illnesses covering medical expenses and related costs. 

Pre and Post-Hospitalisation Coverage

Medical insurance in Chennai covers expenses incurred before hospitalisation, such as diagnostic tests, and after hospitalisation, such as follow-up visits.

No Claim Bonus (NCB)

When no claim is made in a policy year, NCB is offered as a reward. Under this a bonus amount is added to your sum insured for maintaining good health and not making any claim. 

Additional Benefits

Most health insurance plans in Chennai offer additional benefits including instant cover, annual health checkup, room rent modification, and PED wait period modification. 

Eligibility Criteria for Health Insurance in Chennai

The following are the eligibility criteria for health insurance in Chennai:

Age Limit 

The minimum age limit to secure medical insurance in Chennai or any other city is 18 and the maximum limit differs depending on the insurer. 

Pre-Existing Conditions

Disclosing pre-existing conditions before policy purchase is a wise approach as it lets you know the waiting period beforehand. 

Income Proof

Most health insurance companies in Chennai ask for income proof to evaluate your financial ability to afford premiums. 

Health Status

Individuals with pre-existing conditions and senior citizens might be required to undergo medical examinations as a part of their health evaluation. 

Note:  Eligibility criteria for buying medical insurance in Chennai varies depending on the type of policy- individual or family floater. 

Benefits of Purchasing Health Insurance in Chennai

Key benefits of purchasing medical insurance in Chennai include:

Safety Net 

Rising health issues and traffic congestion in Chennai can become a leading cause of unexpected medical expenses. Given the medical inflation in the city, a health insurance policy becomes a much-needed financial safety net during emergencies. 

Peace of Mind 

Knowing that you have adequate funds when an emergency knocks on your door brings mental satisfaction and enables you to focus on other life priorities.

Tax Benefit 

This benefit allows you to avail tax deductions on your health insurance premiums under Section 80 D of the Income Tax Act. 

Read More: Health Insurance Tax Deduction Under Section 80D

What is Covered in the Care Health Insurance Plan in Chennai? 

Here’s the breakdown of factors covered under our health insurance plan in Chennai:

• Ambulance Charges
• Day Care Treatments
• AYUSH Treatment
• Annual Health Check-up
• Domiciliary Hospitalisation
• Advanced Medical Treatment
• In-patient Hospitalisation
• 60-Day Pre and 180-Day Post-Hospitalisation

What is Not Covered in the Care Health Insurance Plan in Chennai? 

Here’s a list of permanent exclusions in our health insurance plans:

• Self-Inflicted Injuries 
• Sexually Transmitted Diseases (STDs)
• War, riots or nuclear weapon-induced hospitalisation
• Maternity-related expenses
• Cosmetic Surgery 
• Naturopathy Treatment
• Pre-existing diseases for a specific period

How to Apply for Health Insurance in Chennai?

Here are the steps to apply for health insurance in Chennai: 

Evaluate your Insurance Needs

Before applying for health insurance in Chennai, assess your insurance needs as per your age, dependants and pre-existing conditions in the family. This will help you decide whether an individual health insurance or a family floater plan is more suitable. 

Research and Plan Comparison 

Research health insurance companies in Chennai, shortlisting the suitable plans and comparing them. While comparing consider these factors- premium, key features, benefits, network hospitals, rewards and add-ons. 

Gather Required Documents

Keep necessary documents such as identity proof ( Aadhar card), address proof (passport), and medical history handy. 

Submit Online Application 

Lastly, visit the official website of the insurer and accurately fill out the application form by adding your personal, health and family details.

How Much Health Insurance Coverage Do You Need in Chennai?

The required health insurance coverage you need in Chennai, or any other Indian city, depends on numerous factors including your age, family size, health status, lifestyle, and income. 

Generally, if you're an individual under 30 in good health, you may find coverage of 5 to 10 lakhs sufficient. However, as a middle-aged adult, you might benefit from a coverage amount of 10 to 20 lakhs for better financial protection. Finally, for a family floater plan, you would consider a coverage amount of 20 lakhs as ideal.

Why Choose Care Health Insurance?

Here are some solid reasons for choosing Care Health Insurance as your insurer: 

Quality Treatment from Network Healthcare Providers

Having a strong network of 21,700 healthcare providers, we ensure excess to exceptional healthcare without the need for upfront payments and delays. 

Comprehensive Healthcare Coverage

Our well-curated health insurance plans provide a wide range of coverage including in-patient care, daycare treatment, pre and post-hospitalisation, organ donor coverage and road ambulance services. 

Rewards and Bonuses

Securing medical coverage from Care Health Insurance will unlock a series of rewards including a No Claim Bonus(NCB), Cumulative Bonus(CB) Cumulative Bonus Super(CBS), loyalty booster and wellness benefit. 

Additional Benefits 

Take advantage of the add-ons offered by our health insurance policies. Some of the most valuable ones include smart select, room rent modification, instant cover and annual health check-ups.

Claim Filing Process at Care Health Insurance 

At Care Health, we follow a simple process of filing both types of claims- cashless and reimbursement. Here are the steps for each :

Cashless Claim 

• Fill out the pre-authorisation form at the insurance desk and forward it to our claim management team.
• Attach the required documents with the form
• The team will review your request and documents 
• After the completion of the review of the form and documents, we’ll send your approval letter.
• We’ll directly settle your hospital bill with the network hospital 

Reimbursement Claim 

• Fill out the claim form and attach the required documents along with the form.
• If there are any discrepancies in the form, our team will contact you
• Once your form and documents are verified, we’ll send the approval letter
• Your hospitalisation expenses will be reimbursed according to our terms and conditions.