Health Insurance in Amritsar

Types of Health Insurance in Amritsar

Care Health Insurance offers health insurance plans in the following categories: 

Best Health Insurance Plans to Consider in Amritsar

Given the disease prevalence in Amritsar, here are the most suitable plans that you can opt for in Amritsar: 

How Much Coverage Do You Need in Amritsar?

Choosing the right sum insured in Amritsar depends on the cost of private healthcare in the city, your lifestyle risks, and your family's medical history. With rising medical inflation and increasing cases of lifestyle diseases such as diabetes, heart disease and cancer, opting for adequate coverage is necessary. 

In private hospitals in Amritsar, a single critical care hospitalisation can cost between ₹2–10 lakh, depending on the duration of stay. Given this, an individual health insurance plan with a coverage of ₹5–10 lakh and a family floater plan with a coverage of ₹15–25 lakh are recommended. 

What is Covered in Our Health Insurance Plan in Amritsar?

At Care Health Insurance, we provide comprehensive coverage in Amritsar and across India. Below is the list of aspects covered under our policy: 

• Day Care Treatments
• Ambulance Charges
• In-patient Hospitalisation
• Pre and Post-hospitalisation
• Domiciliary Hospitalisation
• Advanced Medical Treatments 

Note: Kindly refer to the policy documents for the complete list of coverage 

What is Not Covered in Our Health Insurance Plan in Amritsar?

Knowing exclusions in advance will help you avoid claim rejections. Here are some permanent exclusions in our health insurance plan in Amritsar and other cities: 

• Self-Inflicted Injuries 
• Cosmetic Surgery 
• Maternity-related expenses 
• Sexually Transmitted Diseases (STDs)
• War, riots or nuclear weapon-induced hospitalisation

Why is Care Health Insurance the Right Choice for You?

Here are some factors that make Care Health Insurance an ideal choice for you: 

• We have more than 11,600 network hospitals where you can access cashless treatment in a medical emergency. 
• Our health insurance plan offers comprehensive coverage. From pre- and post-hospitalisation to road ambulance expenses, we’ve got you covered. 
• You get rewarded for claim-free years through loyalty boost and premium payback. 
• We ensure a seamless claims process and have settled 47,870 claims in Amritsar to date. 
• By paying an extra premium, you can unlock benefits such as instant cover, claim shield, and a PED wait-period modification. 

Steps to File a Health Insurance Claim in Amritsar 

There are two types of claims in health insurance: cashless and reimbursement. Here’s how you can file both types of claims: 

Cashless Claim 

• Complete the pre-authorisation form at the hospital’s insurance helpdesk and submit it to our claims department. 
• Once the details are reviewed and verified, an approval letter will be issued.
• If further documents are required, our team will contact you. 
• Once approved, the claim amount will be settled directly with the network hospital.  

Reimbursement Claim 

• Pay the hospital bills in advance and submit the claim form with the relevant documents. 
• Our claims team will evaluate and verify the submitted information before approval. 
• Address the questions raised during our team's evaluation process.
• If the claim is rejected, our team will provide the reason. 

How to Renew Your Medical Insurance Policy in Amritsar?

Health insurance in Amritsar will be valid for only 1 year. Therefore, you will need to renew the policy to maintain coverage. Here’s how you can do that: 

• Visit the official website of Care Health Insurance
• Click on the ‘Renew’ option available at the top-right corner. You’ll be redirected to the renewal page. 
• Fill in the details, including your policy number and registered contact information.
• Review your policy details.
• Complete the payment using a secure payment method.