Health Insurance in Mangalore

Life in Mangalore is fast-paced, making people prone to various lifestyle ailments like hypertension, diabetes, obesity, asthma, etc. The problems of water pollution and soil contamination also lead to health concerns. They cause skin infections, cholera, dysentery, measles, typhoid, and diarrhoea.

Apart from lifestyle and environmental factors, diseases arise due to hereditary reasons. In 2022-2023, Mangalore reported over 330 cases of HIV. The number of breast cancer cases is also on the rise among women aged 35 to 55 years.

Treatment for such illnesses and medical emergencies can result in significant healthcare expenses. Thus, you must get the best health insurance in Mangalore to avoid exhausting your savings.

Based on healthcare infrastructure and facilities, expenses in Mangalore differ from other Indian cities. A zone-based health cover gives you the right coverage at an affordable premium based on the zone in which you reside.

Individual Plans

An individual health insurance plan provides coverage to a single individual. The policyholder is entitled to compensation for the expenses incurred on illnesses and medical conditions. The claim amount is up to the sum insured under the policy.

The plan’s premium is determined based on the individual’s age and medical history. The insured can add their spouse, parents, and children to the policy by paying an additional premium.

Family Health Insurance Plans

A family health insurance plan, or a Family Floater Plan, covers the entire family in a single policy. One family member, the policyholder, pays the premium, but the sum assured is shared equally by all the plan’s beneficiaries.

The premium for a family floater plan depends on the age of the eldest member covered in the plan. The family floater plan is the best mediclaim policy for a family in Mangalore, as the premium is more affordable than individual policies.

Senior Citizen Health Insurance

This type of health insurance is for individuals aged above 65 years. It is the best choice for your senior citizen parents or grandparents. It provides coverage for hospitalisation, medicines, and post-treatment costs. The premium for this type of plan is higher than the other types of health insurance.

Critical Illness Insurance

Critical illness insurance covers you for critical or life-threatening conditions. The policy mentions a list of health problems, and you can file a claim if you are diagnosed with any one of them.

It is vital to understand what’s covered and not covered in health insurance in Mangalore to avoid last-minute hassles. Please refer to the policy document for better clarity on the inclusions and exclusions.

Medical Insurance Inclusions

• Health insurance in Mangalore provides coverage for hospitalisation expenses, such as room rent, doctor consultations, ICU, investigations, surgery, etc.

• It covers pre and post-hospitalisation expenses also.

• The ambulance charges incurred to reach the healthcare facility from your home are covered by medical insurance.

• A health insurance plan provides coverage if you’re undergoing a daycare procedure like cataract, angiography, septoplasty, etc.

• You can also avail of annual health check-up benefits with your insurance. This check-up includes the most common diagnostic and preventive care tests. It allows you to keep track of your health and detect lifestyle diseases at the earliest.

• The mediclaim policies in Mangalore also cover AYUSH treatment to let you enjoy a combination of conventional and modern therapy.

Medical Insurance Exclusions

• The health insurance plan does not provide coverage for injuries encountered while participating in adventure sports.

• It does not cover self-inflicted injuries.

• Any cosmetic procedures, dental treatments, or weight-loss surgeries aren’t eligible for coverage.

• The insurance policy doesn’t cover treatment for medical complications arising from suicide attempts.

• There is no coverage for venereal or sexually transmitted diseases.

• There is also no coverage for injury suffered due to war or participation in defence operations.

Choosing the best from different health insurance companies in Mangalore isn’t easy. You must research and evaluate the below factors to make an informed decision.

Budget

Affordability is one of the most crucial factors to consider before buying a medical insurance policy. Determine how much you can invest in the plan without disturbing your monthly budget. Then, make a list of suitable plans from different companies.

Network of hospitals and healthcare providers

Every insurance company has tie-ups with hospitals and healthcare providers. An insured can enjoy the benefits of a cashless treatment facility at these network hospitals and healthcare centres. Check the list to understand if it includes your nearby facilities.

• 1. Premium

  Use the health insurance premium calculator on the websites of different insurance companies for a comparison. The one that fits your budget is the best mediclaim policy in Mangalore for you.

• 2. Maximum coverage

  Go through the coverage of different medical insurance plans. Most plans will cover in-patient hospitalisation, pre and post-hospitalisation, daycare treatments, medication costs, AYUSH treatment, annual health check-ups, etc.

• 3. Exclusions

  A health insurance plan doesn’t cover everything related to medical expenses. Some procedures, injuries, diseases, and conditions are excluded. Read the policy document to learn about what’s not covered to avoid claim rejection.

• 4. Waiting period

  Mediclaim policies impose a waiting period after which they cover the medical expenses for specific treatments. Generally, the initial waiting period is 30 days from the start of the policy and 36 to 48 months for pre-existing diseases. You must check the waiting period before buying a policy.

• 5. Claim settlement ratio

  It is a percentage of the number of claims settled against the number of claims raised. Remember to choose a company with a higher claim settlement ratio to enjoy the highest customer satisfaction.

The process of buying a health insurance plan online is convenient and time-saving. You can visit the websites of different insurance companies and compare their offerings in a few minutes. You can use aggregator websites, too, to compare the quotes, features, inclusions, exclusions, and coverage offered. There is no need to visit the offices of insurance companies or schedule an appointment with an insurance advisor.

Furthermore, there is no paperwork involved in buying medical insurance online. You only need to upload scanned documents. The insurer will then send a soft copy of your policy to your registered email address within minutes. You can also read about the insurer’s background and the customer’s reviews to make a well-informed decision.

Tata AIG is an online insurer and offers a wide range of plans to help you compare and invest in the best medical insurance in Mangalore.

Tata AIG is a trusted name among many health insurance companies in Mangalore for the following reasons.

• Tata AIG offers a variety of coverage options to cater to the diverse needs of the people in Mangalore. You can buy insurance for yourself, your family, or senior citizens.

• Tata AIG allows you to include critical insurance, maternity insurance, and more depending on your healthcare requirements and budget.

• Tata AIG has partnered with a vast network of hospitals and medical facilities in Mangalore. It ensures you can access quality medical care and claim cashless treatment benefits.

• With an understanding of the varied healthcare needs of people, Tata AIG offers customised plans to meet the demands of specific concerns.

• Tata AIG follows a customer-first approach. It offers a friendly and responsive customer support team to become the best health insurance company.

Tata AIG makes the process to buy and renew the best mediclaim policy for a family in Mangalore as easy as pie. You will need your identity proof, age proof, address proof, passport-size photographs, form duly filled and signed, medical reports (if demanded), etc.

How to Buy Tata AIG’s Health Insurance in Mangalore?

• Visit the Tata AIG medical insurance policy page.

• Select the people you’d like to insure - self, spouse, children, or parents, and click on ‘Get Plan.’

• Enter your date of birth, email address, mobile number, and other required details to proceed.

• Click on ‘See Plan.’

• The details of the policy with premium and coverage amount will be visible on your screen.

• Proceed to pay online to buy the best medical insurance in Mangalore.

How to Renew Tata AIG’s Health Insurance in Mangalore?

• Visit Tata AIG’s official website.

• Click on the ‘Renewal’ link on top.

• Enter the policy number and click on Renew.

• You can include riders and add-ons if you’d like at this step. Then, press Enter.

• You will arrive at the payment page for health insurance renewal.

• Once you have paid successfully, your health insurance plan will be renewed.

To enjoy a hassle-free claim process, you must know which documents you require and the steps to follow. The list of required documents is as follows:

• 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

How to File a Reimbursement Claim?

• Visit Tata AIG’s official website and click ‘Claims’ to initiate a claim.

• Enter your registered mobile number.

• Fill out the claim settlement form and upload the required documents.

• Save the acknowledgement number to track the claim in future.

• It takes around 21 days for claim settlement. You will be notified of the progress by Tata AIG. You will also be contacted if there is a query.

How to File a Cashless Claim?

• Fill out the pre-authorisation form at the hospital’s insurance desk.

• Send it to Tata AIG’s claim management team.

• Respond to the team’s queries, if any, instantly.

• Once your claim is verified, you will receive an approval letter.

• You can also SMS “GoCashless” to 7669300780 to consult an expert and receive a cashless facility at any hospital in Mangalore.

The Insurance Regulatory and Development Authority of India (IRDAI) has initiated a “Cashless Everywhere” system from January 25, 2024. This initiative offers a 100% cashless treatment across the country and reduces the hassles of policyholders.

The 100% cashless treatment system allows owners of health insurance in Mangalore to undergo treatment at any hospital without making a payment and enjoying the benefits of a cashless facility. This is regardless of whether or not the hospital is in the insurance company’s network.

The system is expected to increase the country’s insurance penetration, ease claim processes, and avoid delays and disputes commonly witnessed during reimbursement.