Health Insurance in Bathinda

Here is why every individual should be secured by the best health insurance in Bathinda:

You do not have adequate savings to afford quality healthcare: Top-quality healthcare facilities are expensive. To prevent the diagnosis of an illness from draining your savings, it is important to invest in medical insurance and allow it to take care of the financial aspect so patients can focus on their recovery.

Continually increasing medical inflation: There is an emergence of private healthcare facilities in Punjab where healthcare is more expensive than in government facilities. To be able to afford the new treatments and procedures every individual needs a reliable health insurance plan.

Miscellaneous costs in hospitalisation expenses: Medical treatment is not limited to surgery expenses but also comprises costs for health check-ups, doctor fees, and medicines which on occasion can go well beyond actual hospitalisation expenses. Fortunately, with Tata AIG health insurance you can rest assured that your medical insurance will compensate for these expenses.

An important aspect of finding the best health insurance is to know about the different kinds of policies offered by health insurance companies in Bathinda. Let us have a look at some of the most common types of medical insurance policies:

Individual Plans: Individual health insurance provides coverage for one person. It generally covers medical expenses including hospitalisation, daycare procedures, hospital room rent, and more. To be eligible for this plan one should be between the ages of 18 to 65.

Family Floater Plans: Family floater plans cover the entire family under a single policy and the sum insured is shared by all the beneficiaries. To buy the best Mediclaim policy for a family in Bathinda, you need to ensure that the healthcare needs of each member are met.

Senior Citizens’ Plans: Individuals who are above the age of 65 will have to purchase senior citizen’s health insurance. This policy is specifically designed for senior individuals and offers coverage for pre and post-hospitalisation expenses incurred due to illness/accident, medical treatment, psychiatric treatment, and domiciliary expenses. The premiums for this policy are typically higher as senior citizens are more susceptible to illnesses.

Critical Illness Insurance: This policy offers financial protection when diagnosed with a critical illness. These critical illnesses include heart attacks, kidney failure, paralysis, stroke, cancer, etc. If the policyholder is diagnosed with any of these, the policy provides a one-time lump sum to help pay for the treatment. The critical illness cover by Tata AIG health insurance offers coverage against 36 critical illnesses.

Inclusions are specific medical expenses that are covered under your policy and exclusions are those medical procedures that are not covered under insurance. Let us look at common inclusions and exclusions of the best health insurance policies:

**Inclusions: **

In-patient hospitalisation: This is when the patient is hospitalised for more than 24 hours. It also includes costs of hospital room, nursing care, ICU treatment, medicines, diagnostic tests, doctor's fees, etc.

Post-hospitalisation: These are medical expenses incurred after being discharged from the hospital such as follow-up consultations, medications, medical tests, physiotherapy, etc.

Daycare treatments: Some medical treatments do not require hospitalisation for 24 hours such as chemotherapy, dialysis, cataract surgery, etc. Even so, these are covered by your medical insurance.

Preventive health checkups:** The best health insurance in Bathinda will also offer coverage for preventive health checkups that generally include blood sugar, renal function, ECG, etc., so individuals can prevent serious ailments in time.

AYUSH treatment: alternative medicine treatments, collectively known as AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) are also covered under your health insurance plan.

**Exclusions: **

Pre-existing diseases: Health conditions before investing in health insurance generally have a waiting period before you can raise a claim against them.

Transmitted diseases: Medical insurance policies typically do not cover transmitted diseases such as AIDS and HIV, syphilis, or hepatitis.

Congenital disorders: Congenital disorders, or illnesses from birth, are generally excluded from medical insurance.

Cosmetic surgeries: Cosmetic treatments such as facelifts, liposuction, breast augmentation, etc., are not covered by health insurance.

Dental, vision, and auditory treatments: Treatments concerning teeth, eyes, and ears are not covered by medical insurance unless there is a need for hospitalisation.

When looking for, “the best health insurance near me” certain critical factors must be considered:

Benefits and Coverage: Insurance policies can offer coverage for the most fundamental forms of protection to comprehensive packages that cover hospitalisation, prescription medicines, maternity benefits, etc. Find a plan that meets your needs while covering a diverse range of healthcare facilities. When you are young and healthy, 5 lakh health insurance could be adequate. However, senior citizens must opt for higher coverage.

Waiting Period: Generally, certain surgeries, maternity coverage, and pre-existing diseases have a waiting period. Check this duration before investing in a policy.

Sum Insured and Premiums: The sum insured is the maximum amount that your insurer will pay for your healthcare expenses. It is important to find a balance between an adequate sum insured and affordable premiums.

Co-Payments and Sub-Limits: Some medical insurance plans come with copayment requirements, wherein the policyholder must pay for a certain portion of the medical costs. On the other hand, sub-limits may also limit coverage for particular medical procedures or hospital room rent charges.

Claim Process and Customer Service: During medical emergencies, it is important to have an insurer who has a simple and hassle-free claim procedure. Examine the insurance provider's claim settlement rate and customer service ratings.

Riders: Add-on covers or riders can strengthen a basic cover, and allow you to customise your insurance. Consider adding riders that would enhance your protection depending on your unique healthcare requirements.

You can find the best medical insurance in Bathinda online as it is faster, more convenient, and more cost-effective. If you are looking for “health insurance near me” you can look for various options online. Here are some additional benefits of buying medical insurance online:

Affordable Premiums: When you purchase insurance online, you directly deal with the insurer, which means no middlemen and reduced operational costs of the insurer. So, the insurer rewards you with discounted premiums.

Helps Make an Informed Decision: It is much easier to compare different policies online in terms of their features, benefits, coverage, renewal, etc. This in turn can help you make an informed decision.

Time-Saving: It is a lot less tedious to purchase a health insurance policy online with less paperwork and a hassle-free process that makes it more time-effective when compared to buying health insurance in person.

Online Reviews: It is easy to check online customer reviews of the policy you intend to purchase so you know the pros and cons.

Tata AIG health insurance is specially curated to ensure wholesome protection. Here’s how Tata AIG can help you find the best Mediclaim policy in Bathinda:

Consumables cover: We look after the expenses for surgical and medical supplies beyond the cost of hospitalisation.

Global coverage: With worldwide coverage, you can receive treatment for your ailment overseas.

Maternity cover: The maternity cover (that comes with a four-year waiting period) compensates for maternity expenses up to ₹50,000 per policy year. If the newborn is a baby girl, this coverage is extended by an additional ₹10,000.

Newborn cover: In the case of complications during delivery, insurance holders will receive an additional ₹10,000 for necessary treatment.

OPD cover: With the OPD cover, medical consultation and medication costs of up to ₹5,000 can be offset after a two-year waiting period.

Seamless process: With more than 650 claim experts we ensure a seamless claim settlement process.

Automatic restoration: Under this, you receive automatic restoration of the sum assured to tackle medical emergencies. Your coverage is replenished if exhausted in a year.

Cumulative bonus: Policyholders can earn up to 50% cumulative bonus annually for claim-free years. You can avail of cashless treatments, tax benefits, and more, all designed to meet your healthcare requirements.

Acknowledging the diverse healthcare needs of every individual, Tata AIG ensures you have the best health insurance in Bathinda with our unique list of features:

• The liberty to remove the cap on hospital room rent expenses (as long as it falls under your sum insured) to ensure quality treatment without the worry of out-of-pocket expense.

• Financial support during pregnancy with reimbursement up to ₹50,000 (extendable by an additional ₹10,000 for newborn girls).

• Coverage for pre-hospitalisation expenses 30-60 days before admission and post-hospitalisation expenses 60-90 days after discharge.

• Coverage for pre-existing health conditions after a waiting period of two to five years.

• Cashless claim settlement at a hospital of your choice

• Tax benefits under section 80D of the Income Tax Act, 1961

• Coverage for the cost of ambulance

• NCB for not raising a claim during one whole policy year

• Coverage for AYUSH treatments

• Coverage for daycare processes that take less than 24 hours

• COVID-19 coverage

The process for buying and renewing your health insurance policy is much easier online.

Process for Buying Health Insurance Online:

• Visit our official website and from the homepage select “Health Insurance”

• Select how many members you wish to purchase a cover for and their respective ages

• Provide your contact details, medical history, and pre-existing illness (if applicable)

• Choose the medical insurance that is suited to your healthcare needs

• Pay for the policy online and your coverage will be issued in a few minutes

Process for Renewing Health Insurance Online:

• Visit the Tata AIG website

• Click on the “Renew” button

• On the subsequent page enter your policy number and select “Renew”

• The next section will allow you to purchase riders to enhance your coverage. Once you have made the choice, press enter.

• Pay for your chosen health insurance policy and the coverage will be issued to you almost instantaneously

There are essentially two ways in which you can raise a claim: reimbursement and cashless. However, before we look at the process for each of these, ensure that you have the following documents handy:

• Duly filled and signed claim settlement form

• A copy of the medical insurance policy

• Original bills - hospitals, pharmacies, diagnostic labs, etc.

• Investigation reports

• Pathological reports

• Discharge summary

• Medical certificate with the doctor’s signature

• Bank details

Process for Filing a Reimbursement Claim

• Inform Tata AIG about when and where you would be receiving your medical treatment. For this, you can either visit our claims page or contact us directly via WhatsApp or a phone call.

• Once you have been discharged from the medical facility, pay for the medical treatment costs upfront

• Raise a reimbursement claim by filling out the form and submitting all invoices, medical bills, prescriptions, and other important documents

• Once the claim and the documents are verified, the process for reimbursement is initiated

• It generally takes about 21 days to process your claim. Meanwhile, the Tata AIG team will notify you of the progress and contact you for any queries.

Process for Filing a Cashless Claim

• Visit the insurance desk at the hospital and fill out the pre-authorisation form

• Either visit our claims page or contact us directly via WhatsApp or a phone call.

• Submit the form to the claim management team at Tata AIG

• If any queries are raised, ensure that you respond to them promptly

• After the claim verification is done, an approval letter will be shared with you

• Alternatively, you can also send a “GoCashless” SMS to 7669300780 to consult an expert and receive a cashless facility at any hospital in Aligarh.

Policyholders can now avail of 100% cashless treatment across Indian hospitals with Tata AIG. Now policyholders in Bathinda can seek medical treatment without paying for it as the bill is settled directly between the insurance company and the hospital.

• However, to avail of the cashless service, the following conditions must be met:

• Inform the insurance company at least 48 hours before admission for planned procedures.

• For emergency procedures, inform the insurer within 48 hours of admission.

• The claim should be admissible as per the policy terms and operating guidelines of the insurer.