Health Insurance in Surat

Health Insurance in Surat

Surat is a large city and an important commercial hub in Gujarat. The healthcare facilities have improved significantly in the city since the outbreak of a plague in the year 1994, as the state government has focused its efforts on building medical facilities with emergency services.

Surat houses several private and public hospitals, nursing homes, and polyclinics. Besides, there are super-specialty hospitals for treating specific ailments.

We cannot ignore the importance of getting timely access to medical care. Quality healthcare and sanitation have been the focus of the state government for a long time. However, there are concerns among the people over the rising cost of treatment, especially at private hospitals. Medical expenses can affect a family’s savings. Therefore, with health insurance Surat residents can avail of the numerous benefits apart from in-patient hospitalisation cover. One of the advantages is the cashless treatment facility wherein the insurance company directly settles the bills, subject to policy terms and conditions. It saves a lot of time and effort for a policyholder.

Care Health Insurance has many cashless network hospitals in Surat where you can get quality medical care without any worry about medical bills.

The Need for Health Insurance in Surat

The high pollution levels in Surat, caused by vehicles on the road and industries, have led to severe health problems for its residents. Many people suffer from respiratory illnesses such as asthma. There are also risks of vector-borne diseases, especially during rainy months. Moreover, an increasing number of people suffer the risk of lifestyle diseases such as diabetes, obesity, and hypertension not only in cities like Surat but across the country. The primary reason for this is a sedentary lifestyle and irregular eating habits. These lifestyle diseases can lead to severe health complications if not treated on time.

Ailments - whether major or minor - require dedicated medical care. It also means a lot of spending from one’s pocket, which can lead to financial difficulties. With medical insurance Surat residents can leave their financial worries behind because a health cover provides the necessary cushion for one’s hard-earned money.

Cashless Treatment

The facility of cashless treatment is gaining importance owing to the convenience it offers when it comes to payment of medical bills. Hospitalisation of a family member brings stressful moments for the entire family. To ease the burden of payment of bills, the family can opt for the cashless facility by choosing treatment in any of the network hospitals listed by the insurer.

Under this facility, the insurer will directly make payment to the hospital, subject to policy terms and conditions. It saves the policyholder from spending money from one’s pocket. It is important to note that the cashless treatment facility is available only at a network hospital. This facility is available for both planned and emergency hospitalisation.

Tips to Consider Before Buying Health Insurance in Surat

The healthcare needs of every individual or family are different from others. So, when buying health insurance in Surat buyers have to look into some important factors, as mentioned below:

• Keep in mind factors like age, medical conditions, number of members in your family, etc.
• Pick a policy with maximum coverage so that you get sufficient cover for your expenses
• Look for network hospitals in your location
• Ensure that the policy you choose has features like lifetime renewability and no claim bonus
• Go for the insurer with the best claim settlement ratio and hassle-free claims procedure

How to Avail Cashless Treatment in Surat?

Getting cashless treatment under medical insurance in Surat at any network hospital is a convenient option for a policyholder. The following are the steps to be followed:

• Select your preferred hospital from the list of network hospitals
• Inform the insurer about the hospitalisation within the specified time
• Submit the duly signed pre-authorisation 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
• The team might raise a query in case of any information deficiency
• Upon approval, your medical bills will be settled, as per policy terms and conditions

The insurance company will process the claim, as per the policy terms. The insured should inform the insurer within 24 hours in case of emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.