Health Insurance in Patna

Health Insurance in Patna

Patna, the oldest city in India, has a glorious past. From Ajatshatru- the king of Magadh to Chandragupta Maurya and the British ruled Patna for a long time. It is the place where Gautam Buddha preached his last lesson. Historically known as Patliputra, the capital city of Bihar is situated on the southern bank of river Ganges. The city has numerous archaeological sites, museums, temples, and river banks. Moreover, it is also famous for IIT, AIIMS, and NIT, and also, people recognized Patna for its excellence in competitive examinations preparation. Currently, the capital is developing and still has a long way to go. 

Communicable and non- communicable diseases are creating new threats for the residents in Patna. As far as health care services are concerns, government hospitals do not have advanced treatment and technology. There are a few private hospitals in Patna, and their cost of medical care is very high that can burn your savings. Therefore, it is wise to keep yourself protected with our health insurance Patna plans and face any medical emergency without financial problems.

Toxic coming out from different industrial units in Patna are contaminating water and air quality. As a result, people started developing breathing problems, skin allergies, eye irritation, chest congestion, etc. Therefore, health protection should be your utmost responsibility for now. Care Health Insurance offers you city-specific health insurance policies that protect you against medical emergencies in Patna. We include pre and post hospitalization expenses, medicines, and therapies expenses and provide you cashless treatment facility. The team of our advisers solicits all your queries and help you to choose a plan that gives you maximum benefits.

The Need for Health Insurance in Patna

Being the most populous and developing city of Bihar, people here are facing severe health issues. Senior citizens and children are more vulnerable to air and water-borne diseases. So, instead of getting into the trap of those hefty bills of the hospital secure yours, and your loved ones live with a sound health insurance Patna plan. Government hospitals have a scarcity of medical facilities here, and private hospitals bound due to medical inflation. So, to combat these diseases, comprehensive health insurance is a need of an hour. We offer health insurance policies with comprehensive coverage and help you to provide the best possible treatment in leading hospitals without cash crunch.

Tips to Consider Before Buying Health Insurance in Patna

Opting for the right health insurance can be a tricky task, below are some tips that you should consider before finalizing the plan: 

Make a Budget- While opting from a plethora of our health insurance Patna plans, it is always wise to make a budget of how much you can invest in insurance premium. Opt for the cost-effective plan that gives you maximum coverage without financial burden. 

Check the Network Hospitals- You should check how many hospitals are located nearby to your residence. Network hospitals are the hospitals that have tie-ups with us. Here you can avail cashless treatment facility.

Calculate Premium- Compare the premium of our different medical insurance Patna plans with the help of a health insurance premium calculator and choose the one that best suits your health care needs. In this way, you can pick health insurance that has a reasonable premium and gives you maximum benefits.

Look for Maximum Coverage- Make sure your plan gives you maximum coverage. Our policies cover in-patient hospitalization, pre and post hospitalization expenses, diagnosis expenses, treatment, and medication costs with add on covers, so pick it accordingly. 

Check Exclusions- Go through our exclusion list to ensure hassle-free claim settlement. As per the guidelines of IRDAI, exclusions are the situations/medical procedures/treatment excluded from the coverage of the policy, and we cannot settle the claims for the same.

Waiting Period- A waiting period is the specified time under which the policy is payable. It’s advisable to learn about the waiting period. Our plans have 30 days waiting period from the commencement of the policy period, and for pre-existing diseases, it is 4 years. 

Check Eligibility- Check the age criteria for eligibility before you finalize the health insurance Patna policy. For most of the plans, the maximum entry age is 60 years, with lifelong coverage.

How to Avail Cashless Treatment in Patna?

Cashless treatment is easy with our medical insurance Patna policy. We give you the facility to avail cashless treatment in Patna during a medical emergency. You can admit to any of our network hospitals located within the city. Inform our support team about your hospitalization within 24 hours after admission and also to the insurance helpdesk at the hospital. After document verification, our claim management team approves your claim, and your bills will be directly paid to the hospital by us. Under our cashless treatment facility, we make things easier for you.