Health Insurance in Patna

Key Features of Health Insurance in Patna 

Here are some prominent features of health insurance policies in Patna:

Cashless Hospitalisation

This feature allows you to receive medical treatment at network hospitals without paying upfront; the insurer directly settles the bills with the hospital. 

Pre and Post-Hospitalisation Coverage

Expenses before hospitalisation such as diagnostic tests and after getting discharged- follow-up visits are covered in a medical insurance policy. 

Critical Illness Coverage

You receive a lump sum payment upon diagnosis of life-threatening diseases like cancer, stroke or heart attack. 

No Claim Bonus (NCB)

Offered as a reward for claim-free years, NCB typically increases the sum insured or provides a discount on premium renewal. 

Daycare Treatment Coverage

Covers medical procedures that do not require a 24-hour hospital stay, such as cataract surgeries or dialysis. 

Additional Benefits 

Most health insurance plans offer additional benefits on increased premium amounts. Some of these benefits include instant cover, room rent modification, PED wait period modification, smart select and annual health checkups.

Eligibility Criteria for Health Insurance in Patna

​In Patna, as in the rest of India, health insurance can be availed by individuals meeting certain eligibility criteria set by insurance companies. Key factors influencing this include:

• Age: Typically, the minimum age to purchase a health insurance policy for a minor is 18 years. However, the age limit varies according to your insurer. The maximum age to purchase health insurance is 65 years. 
• Pre-existing Diseases: Individuals with pre-existing medical conditions might be required to undergo medical examinations. Generally, these conditions are covered after a waiting period of 36 months, depending on the policy terms. 

Benefits of Purchasing Health Insurance in Patna

Here are some benefits of health insurance in Patna:

Financial Protection 

Buying health insurance in Patna ensures comprehensive coverage of unexpected medical issues such as hospital stays, surgeries or treatments. This means you don’t have to worry about paying hefty medical bills in case of mishappenings. 

Tax Benefits

Under Section 80 D of the Income Tax Act, you become eligible for receiving tax deductions on the premiums paid for a health insurance policy. 

Mental Relaxation 

Knowing that you’re financially protected against medical emergencies, you can rest assured during your treatment process and focus on your recovery instead of worrying about medical expenses. 

What is Covered in the Care Health Insurance Plan in Patna? 

Here are the aspects covered in the health insurance plan in Patna:

• Ambulance Charges
• Day Care Treatments
• AYUSH Treatment
• Coronavirus Treatment
• Domiciliary Hospitalisation
• Annual Health Check-up
• Advanced Medical Treatment
• In-patient Hospitalisation
• 60-Day Pre and 180-Day Post-Hospitalisation

What is Not Covered in the Care Health Insurance Plan in Patna?

Here’s the list of exclusions that are not covered by insurance companies:

• Cosmetic Surgery 
• Naturopathy Treatment
• Congenital Diseases
• Self-Inflicted Injury
• Sexually Transmitted Diseases (STDs)
• Pre-existing diseases for a specific period
• Maternity-related expenses
• Permanent Exclusions- war, riots or nuclear weapon-induced hospitalisation

How to Apply for Health Insurance in Patna? 

Here are the steps to apply for health insurance in Patna:

Research and Plan Comparison 

Start by thoroughly researching numerous health insurance policies offered by various insurers in Patna. After shortlisting relevant policies, compare their coverage options, premiums, benefits and network hospitals. 

Choose a Suitable Plan 

Select the plan that best matches your requirements, considering factors such as coverage amount, number of family members and additional benefits such as annual health check-ups, air ambulance coverage and much more. 

Collect Required Documents 

Typically, you would require documents such as identity proof ( Aadhar card), address proof (passport), and medical history. 

Online Application 

Visit the official website of the insurer and fill out the online application form by accurately filling in your personal, health and family details. After reviewing the details, submit the application. 

How Much Health Insurance Coverage Do You Need in Patna?

The amount of health insurance coverage you need in Patna depends on various factors- your age, medical history, family size, and lifestyle. However, a coverage amount of 5 to 10 lakh would suffice for individual health insurance whereas, for family floater plans a coverage of 10 to 20 lakh is advisable.  

Why Choose Care Health Insurance? 

Here are some solid reasons for choosing Care Health Insurance as your insurer:

Exceptional Healthcare at Top Network Hospitals

Having a wide network of network hospitals, we ensure exceptional treatment without the need for upfront payments. 

Comprehensive Healthcare Coverage

We provide comprehensive coverage including pre and post-hospitalisation, in-patient care, day care procedures, road ambulance services, organ donors and much more. 

Rewards and Bonus

Cumulative bonus, Cumulative bonus super, no claim bonus, wellness benefits, loyalty booster, etc. 

Claim Filing Process at Care Health Insurance

At Care Health Insurance, we follow a streamline for settling both cashless and reimbursement claims. Here are the steps involved for each:

Cashless Claim 

• Fill out the pre-authorization form at the insurance desk and send it to our claims team.
• Attach the required documents with the form
• Our claim team will go through your form and documents 
• After the review of your claim form and documents, we’ll send the approval letter. 
• We’ll directly settle your hospital bill with your network hospital

Reimbursement Claim

• Submit the claim form and attach relevant documents 
• Our team will contact you in case of any doubts
• After the verification of the documents, you will receive the approval letter from our team
• Lastly, we’ll reimburse your hospitalisation costs as per our policy terms and conditions.