Health Insurance in Durgapur

Durgapur is a well-planned city in the state of West Bengal in India. It is a prominent industrial town and a preferred destination for people who seek quality education and excellent healthcare. The city houses a number of private hospitals, nursing homes, multispecialty hospitals and government-run healthcare centres. 

Often, many families face problems in accessing these healthcare facilities owing to the high cost of medical treatment. When a medical emergency strikes, it can create a stressful situation as high expenses are involved. Usually, treatment of ailment is not limited to hospitalization and includes other expenses like pre and post hospitalization. Having a financial cushion in the form of health insurance is a must for people in Durgapur to lead a worry-free life. One of the major benefits of health insurance is the cashless treatment facility, which replaces the need to pay for medical bills upfront. Care Health Insurance has numerous cashless network hospitals in Durgapur where you can get cashless treatment.

The Need for Health Insurance in Durgapur

Durgapur is developing at a fast rate. However, various lifestyle-related ailments are among the growing health problems affecting a significant part of the city’s population. Any medical condition requires dedicated medical attention. For managing hefty medical expenses, buying health insurance is a wise decision. In case of hospitalization, a family may have to spend lakhs of rupees, and it can impact one’s hard-earned savings. With the support of a health cover, not only hospitalization costs but other costs, including ambulance charges, doctor’s fees, etc., get covered. In addition, annual health check-up is a policy benefit that helps in the detection of ailments at an early stage.

Cashless Treatment

The cashless payment method is popular everywhere. In the insurance field, there is an option of getting cashless treatment. This facility saves time and reduces paperwork. Policyholders can easily admission to any network hospital using a health card. Under this facility, the insurance company settles the medical bills by direct payment to the hospital on behalf of the insured. Thus, it reduces the stress for a family. This facility is only available at a hospital listed in the insurer’s network. 

Tips to Consider Before Buying Health Insurance in Durgapur

When buying health insurance, you must analyse your insurance needs. Here are more useful tips:

• Buy a policy based on factors like age, medical conditions, number of family members, etc.
• As the medical treatment costs are increasing, select a policy with high sum insured
• Know if the insurer has network hospitals for cashless treatment in your location
• Find out if the policy includes annual medical check-up, lifelong renewability, and no claim bonus
• Choose an insurer with the best claim settlement ratio

Click to know about Care Health Claim Settlement Ratio

How to Avail Cashless Treatment in Durgapur?

Follow the below-given steps to avail cashless treatment at any network hospital in Durgapur

• Opt for any network hospital in your city for treatment 
• Inform us about hospitalization as per the specified time
• Submit the pre-authorization letter at the hospital insurance desk 
• Provide all the mandatory documents and health card
• After document verification, the claim management team will send an approval
• A query might be raised in case of any information deficiency
• After approval, we will settle the medical bills as per policy terms and conditions

Remember to inform us about your hospitalization within 24 hours in case of emergency hospitalization and 48 hours prior to admission in case of planned hospitalization.