Health Insurance in Patna
With its important history and busy urban landscape, Patna is developing into a key healthcare center. Thanks to new facilities like AIIMS Patna, Paras HMRI Hospital and Medanta – The Medicity, Patna is experiencing an increase in healthcare progress. As a consequence, people are buying health insurance to defend against high medical bills and unexpected emergencies.
What does Health Insurance mean?
Health insurance is an agreement where the policyholder pays a regular fee and the company covers medical charges when they happen. Most health insurance plans offer benefits such as hospital care, surgeries, different diagnostic tests, support before and after being hospitalized and health promotion programs. With the growth of Patna’s medical system, having health insurance is now essential for protecting yourself against sudden health treatment charges.
Why is it Important to Have Health Insurance in Patna?
Lifestyle Diseases: More people in Patna are being found to have lifestyle-related diseases, due to changes in living and eating habits. This has led many people to regard health insurance not as a choice, but as a mandatory need.
Medical attention before and after surgery: Under the right policy, policyholders are assured of top care throughout their procedure. Several plans have coverage that continues for 30 days prior and 60 days after the hospital stay.
Long-term illness Treatment: Your health insurance offers protection and with a family plan, all family members can be covered. Choosing an insurer with a short waiting period helps get fast coverage if you face a health problem.
Tax Benefits: People in India can receive tax deductions on their health insurance premiums under Section 80D of the Income Tax Act.
Benefits of having health insurance in Patna
Because of its benefits, having health insurance is vital for people in Patna.
- Cashless Treatment: At AIIMS Patna and Paras HMRI in Patna, as well as other leading hospitals, you can benefit from cashless insurance and receive treatment without paying first.
- AYUSH Treatment: Many policies in Patna pay for both allopathic doctors and alternative methods like Ayurveda, Yoga and Homeopathy under the AYUSH insurance.
- Free Health Check-ups: Often, insurers provide regular check-ups at no cost, so problems can be caught early.
- NCB Bonus: Many insurers give a reward called a no-claim bonus that can drop your premiums or cover more risks if you skip submitting claims.
What Is the Right Amount of Insurance Coverage required in Patna?
You need to choose health insurance in Patna according to your family size, personal health concerns and the budget you set.
- Experts usually suggest that individual policies should cover you for a range of ₹5 to ₹10 lakhs.
- If you are buying insurance for your family, you should take a coverage amount between ₹10 lakhs and ₹20 lakhs for all members in case of hospitalization.
- People above 60 years and those with health problems should choose a medical insurance plan with ₹20 Lakh coverage and added critical illness benefits.
Types of Health Insurance Plans Are Offered in Patna
- Individual Health Plan: A policy for individual health insurance only covers the needs of one person.
- Family Floater Plan: With a Family Floater Plan, you pay less since your entire family is insured as a group.
- Senior Citizen Plan: These plans are created to give extra coverage to people over the age of 60.
- Critical Illness Insurance: Pays out a large sum if you are diagnosed with cancer, stroke or heart attack.
- Top-up Plan: With a Top-up Plan, your health insurance increases, making sure you are insured for higher medical bills.
- Group Insurance: Many employers offer it so that all their employees are covered together by the same policy.
Tips to Consider Before Buying Health Insurance
- Cashless Coverage: Ensure the plan covers cashless treatment at respected hospitals in Patna.
- Coverage Limits for Rooms: Certain health plans have sub-limits on certain treatments, referring to room rental fees. You should understand all these terms before buying an insurance policy.
- Good CSR: Select a company with a larger CSR so that making a claim is easy and your insurance funds arrive promptly.
- Lifetime Renewability: If you want to be sure you are always covered, check that the plan offers lifetime renewability.
How can you benefit from Cashless Hospitalization in Patna?
- Cashless Treatment: Go for an insurance plan that includes Centres that fall under cashless services – AIIMS Patna, Paras HMRI or Indira Gandhi Institute of Medical Sciences (IGIMS) along with other quick and easy payments.
- Authorization: Show your health card and complete the pre-authorization form at the hospital’s help desk.
- Review: The insurer will carefully review your claim and determine if you get cashless treatment, so you will not be required to pay at the clinic.
- Settle Out-of-Pocket Expenses: Once discharged, make sure to pay for the part of the bill your health plan won’t cover.
How to Pick the Right Insurance Plan in Patna?
- Check Online: Websites such as Fincover allow you to compare plans, look at their benefits and drawbacks, check which hospitals are available and read what others think about them.
- Make sure CSR is good: This will guarantee that your claim is recognized and resolved promptly without trouble.
- Lifetime Renewability: Always select coverage that can be continually renewed throughout your life.
- Fine details: Read every detail in the fine print so you know which circumstances are not covered by your policy.
FAQs about Health Insurance in Patna
Are people in Patna legally required to have health insurance?
While health insurance isn’t required, professionals advise having it to help cover unexpected health costs.
Is health insurance available to buy online in Patna?
You can compare health insurance plans and purchase them online using the websites or aggregators of many insurers.
Is it possible to visit cashless hospitals in Patna?
AIIMS Patna, Paras HMRI and IGIMS are a few excellent hospitals in Patna that belong to the cashless network for main insurance companies.
Is it allowed to visit a hospital that is not part of the insurer’s network?
You are allowed to receive care at non-network hospitals, but you should be prepared to pay the entire bill right away and reimburse yourself later.
Is it possible to cover my elderly parents with insurance in Patna?
You can purchase senior citizen plans at age 60 if you want specialized healthcare benefits.
Does Patna provide insurance coverage for AYUSH treatments?
AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) therapies are covered by numerous health insurance companies in Patna.