Health Insurance in Meerut

Health Insurance in Meerut

Meerut is a city in western Uttar Pradesh. With a rich historical background, it is one of the rapidly developing cities in India and a major industrial hub. There are excellent medical facilities in Meerut, including government and private hospitals, private clinics, nursing homes, and clinics that provide alternative therapies. These healthcare centres cater to a growing population. Moreover, people from neighbouring areas also come here to seek medical treatment.

The rising costs of medical care are a cause of concern for many families. At the same time, city dwellers lead a busy lifestyle and get exposed to various health risks. Besides, ailments also occur due to environmental and hereditary factors. Therefore, buying health insurance in Meerut is a must. Having a health cover will prevent any financial difficulty arising due to medical emergencies.

One of the benefits of medical insurance is the feature of cashless treatment. Care Health Insurance has many cashless network hospitals in Meerut. You can avail of the cashless hospitalisation facility at any of these empaneled hospitals. It would keep your savings intact and let you focus on your health.

The Need for Health Insurance in Meerut

Industrial activities in the city have led to a rise in air pollution levels. The poor air quality poses the risk of respiratory illnesses like asthma for sensitive age groups. Besides, the occurrence of vector-borne diseases and other lifestyle diseases hint at the need for proper medical care. Medical emergencies are unforeseen events that occur without prior warning.

Majority of the population are not aware of the benefits of medical insurance. A single hospitalisation can result in high expenditures and create difficulties for a family that is not financially prepared. Thus, it is wise to invest in a health policy that will cover various medical expenses that go beyond hospitalisation. Opting for health insurance in Meerut is a sensible solution to stay worry-free.

Cashless Treatment

Cashless health insurance is a popular choice for many people owing to the convenience it offers. Payment of medical bills during emergencies can be stressful. Thus, policyholders can opt for the cashless facility under Health Insurance Meerut policies using a health card. It eliminates the need to pay money from one’s pocket during hospitalisation. In this facility, the health insurer pays the bills directly to the hospital on behalf of the insured person, subject to policy terms and conditions. It is important to note that cashless treatment is available only at the network hospitals listed by the insurer. One can avail of this benefit both during an emergency and planned hospitalisation.

Tips to Consider Before Buying Health Insurance in Meerut

Numerous health policies have inundated the market; it could be difficult for an individual to make the right choice. So, here are some useful tips to help you make an informed decision:

• Estimate your healthcare requirements based on factors like by age and health conditions
• Opt for high sum insured to get adequate coverage for the various medical expenses
• Check for the network hospitals located near your location
• Look out for features like lifetime renewability, alternative treatments, etc.
• Know the claim settlement ratio of the insurer and the procedure to file claims

How to Avail Cashless Treatment in Meerut?

The cashless treatment under Health Insurance Meerut plans will be available at any network hospital of the insurer. The policyholder should follow the below-given procedure:

• Select your preferred network hospital for medical treatment
• Notify your insurer within the specified time
• Submit the duly signed pre-authorisation form at the hospital insurance desk
• Provide your health card and the supporting documents
• The claim management team will verify the documents and send an approval
• It may raise a query in case there is any information deficiency
• After approval, the hospital bills will be settled as per policy terms and conditions

The health insurance company will process the claim after considering the policy terms. The policyholder must remember to contact the insurer within 24 hours in case of emergency hospitalisation, and 48 hours before admission in case of planned hospitalisation.