Health Insurance in Tamil Nadu

Tamil Nadu is one of the largest states in south India. The capital city, Chennai, is known as the ‘Health Capital of India’. It is a sought-after destination for people across the globe who come here for quality medical treatment. Tamil Nadu has a well-developed health infrastructure comprising of government-run hospitals, top-rated private hospitals, clinics, diagnostic centres, super-speciality hospitals, etc. These healthcare centres have world-class medical equipment and qualified medical professionals. Moreover, the government has actively focused on enhancing primary healthcare services and has steered various health programmes. 

There is easy access to medical facilities. At the same time, there has also been an increasing number of ailments affecting urban dwellers. Lifestyle diseases and pollution-induced respiratory illnesses have affected lakhs of people. Medical treatment in private hospitals is expensive. Therefore, people in Tamil Nadu can benefit by investing in health insurance plans. Further, the cashless treatment feature is the main advantage that reduces the burden of paying medical bills from one’s pocket. Care Health Insurance has several cashless network hospitals in Tamil Nadu where one can get cashless treatment and lead a healthy & worry-free life. 

The Need for Health Insurance in Tamil Nadu

As people living in the cities lead a hectic lifestyle, they have become susceptible to various health problems. Diabetes, cancer, hypertension, cardiovascular diseases, etc. are some severe medical conditions which can occur due to multiple reasons, including poor lifestyle and family medical history. It is, therefore, necessary to get health insurance as it provides financial protection during medical emergencies. Choosing the best medical insurance will give people in Tamil Nadu a vital cushion to prevent their savings from draining out. Additionally, a medical insurance policy covers a host of related medical expenses besides hospitals bills, including OPD costs, ambulance, and pre-and-post hospitalization medical expenses. 

Cashless Treatment

Cashless payments are popular as they are secure, paperless and faster. The cashless treatment facility in health insurance also proves beneficial for insured persons since there is no paperwork involved or any filing of claims for reimbursement. Cash payment of hospital bills can be financially stressful for a family during any medical emergency. However, under the cashless facility, the insurer directly pays the hospital bills on behalf of the insured, subject to policy terms and conditions. A policyholder can quickly get admission in any network hospital using a health card and access medical treatment. One should note that this facility is only available at a hospital listed under the insurer’s network. 

Tips to Consider Before Buying Health Insurance in Tamil Nadu

Healthcare needs vary from one individual to another, even within the same family. So, when opting for the best medical insurance in Tamil Nadu, there are some crucial factors you should keep in mind:

• Choose a policy considering your age, medical conditions, number of members in a family, etc.
• Pick the right sum insured so that you get cover for your major expenses
• Check for the presence of network hospitals of the insurer in your location
• Ensure your policy has features like lifetime renewability, annual health check-ups, etc.
• Always read the policy terms including exclusions and waiting period
• Go for an insurer that has the best claim settlement ratio

Click to know about Care Health Claim Settlement Ratio

How to Avail Cashless Treatment in Tamil Nadu?

To avail the cashless treatment facility at any network hospital in Tamil Nadu, the insured person should follow the below-mentioned steps: 

• Choose any network hospital in Tamil Nadu for treatment
• Inform us about hospitalization as per the time specified
• Submit the duly-signed pre-authorisation form at the hospital insurance desk
• Provide all supporting documents including health card
• After verification of documents, the claim management team will send an approval
• If required, the claim management team may raise a query
• Upon approval, the medical bills will be settled, as per the policy terms and conditions

The insured person should notify the insurance company within 24 hours in case of emergency hospitalization and 48 hours prior to admission in case of planned hospitalization.