Health Insurance in Rajasthan

The health issues are on a rise globally, as in the state of Rajasthan. Busy lifestyles, dependence on packed food, high stress level, lesser physical activity, disrupted sleep etc., are some of the reasons why people are falling ill more frequently now.

As in other parts of the country, medical inflation is on a steep rise in Rajasthan too. Therefore, to cope with the rising cost of treatment of various medical conditions, one requires a medical insurance plan in Rajasthan.

A health insurance policy is a financial tool that compensates for medical expenses on behalf of the policyholder. To avail of this service, the individual is expected to pay a premium to the insurer, and in turn, the insurer offers financial protection against healthcare expenses to the insurance holder.

Therefore, every resident needs to find the best medical insurance in Rajasthan to safeguard their finances and their health.

Health insurance companies in Rajasthan constantly endeavour to cater to the varied insurance needs of insurance seekers. If you are looking for the best health insurance in Rajasthan, you need to know the different types of policies available in the market:

Individual Plans: Individual medical insurance offers coverage for a single person against medical bills and the cost of hospitalisation. It enables you to get comprehensive coverage that is catered to your specific healthcare requirements. Individuals between the ages of 18 to 65 are eligible for this plan.

Family Plans: A family health insurance plan offers coverage against the medical expenses of individuals and their insured family members under a single policy. In a family floater plan, the sum assured is shared equally among the members. The best mediclaim policy for a family in Rajasthan is one that acknowledges the different healthcare needs of every member.

Senior Citizens’ Plans: This health insurance policy is specifically designed for individuals above 60 years of age. It comes with several benefits such as coverage for pre-existing health conditions, preventive health checkups, and cashless hospitalisation. However, because older adults are more susceptible to illnesses, the premiums for health insurance are higher.

Critical Illness Insurance: Basic health insurance coverage does not offer protection against critical illnesses such as cancer, cardiac stroke, paralysis, etc. So, with critical illness insurance, you are provided with a lump sum amount upon diagnosis of a critical illness to take care of the exorbitant treatment costs in a worry-free manner.

An important aspect of finding the best medical insurance in Rajasthan is being aware of the general policy inclusions and exclusions. This helps you cohesively plan for medical emergencies.

Inclusions:

In-Patient Hospitalisation: If you are admitted to the hospital for at least 24 hours, your insurance will cover in-patient expenses, including room rent, ICU treatment, medicines, diagnostic tests, consultation, etc.

Pre-Existing Conditions: Coverage for pre-existing ailments after a waiting period of 2-4 years.

Pre- and Post-Hospitalisation: Pre-hospitalisation expenses coverage for 30 to 60 days for consultation, diagnosis, medicines, etc., and post-hospitalisation expenses for 60 to 90 days for follow-up consultations, medications, physiotherapy, etc.

Daycare Treatments: Coverage for medical procedures that don’t need hospitalisation for more than 24 hours.

Annual Check-Ups: Coverage for preventive annual health checkups.

Mental Health Cover: After the IRDAI mandate medical insurance plans also cover mental illnesses such as bipolar disorder, depression, dementia, schizophrenia, etc.

AYUSH Treatment: Your health insurance policy will also provide coverage for alternative medicine treatments, collectively known as AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy).

Domiciliary Treatment: Coverage for at-home treatments in cases where hospital beds are unavailable or the insured member has a specific medical condition.

Exclusions:

Maternity Expenses: Pregnancy and related conditions are not covered by a health insurance plan but you can buy an add-on cover for it.

OPD Treatment: Medical insurance does not generally cover consultations in the outpatient department (OPD).

Cosmetic Surgery: Plastic surgeries and cosmetic treatments are not covered under a health insurance policy unless they result from an accident.

Dental and Auditory: Since dental and auditory treatments fall under OPD, they are not covered by medical insurance.

Specific Conditions: Certain health conditions such as congenital diseases or genetic disorders are not covered by a health insurance plan.

Here are some essential factors to consider for buying the best health insurance in Rajasthan:

Choose the Right Coverage: Insurance seekers must carefully analyse their healthcare needs before choosing a policy. The best health insurance is one that has the right combination of premiums and coverage.

Opt for a Family Floater Plan: Instead of buying individual health insurance for every family member, opt for a family floater plan as it is more economical. You can find the best Mediclaim policy for a family in Rajasthan by customising the policy to meet each member’s healthcare needs.

Look for Lifetime Renewability: Health insurance gets more expensive as you grow older so if you look for a lifetime renewability plan, you can get a more affordable policy

Check the Claim Settlement Ratio (CSR): The CSR is claims settled against the claims received. Higher CSR increases the probability of your claims getting cleared.

Seek Lower Waiting Periods: Insurance seekers with pre-existing health conditions should look for a policy with lower waiting periods.

Check the Reliability of the Insurance Company: It is essential to look for a reliable insurance provider so you know that your health and finances are in good hands.

Use the Health Insurance Premium Calculator: A health insurance calculator helps you analyse the cost of your medical insurance by calculating how much premium would be payable for your chosen policy.

It is always advised to buy health insurance online owing to the numerous benefits associated with it. These include:

Extensive Choices: Whether you are looking for, “health insurance near me,” or coverage for specific health conditions, it is much easier to look for requirements online. It also enables you to compare different policies with ease so you can find the best Mediclaim policy in Rajasthan.

Convenience: You can research, compare, select, and buy a policy - anytime, anywhere. You need not stand in a queue or wait for an agent.

Absence of Middlemen: As there are no agents involved when buying a policy online, you are not influenced by a specific sales tactic and can buy the best health insurance for yourself.

Discounted Premiums: You reduce the operational costs of insurance companies by buying a policy online and they reward you with discounted premiums.

Minimal Paperwork: As most information is uploaded online, there is minimal paperwork involved with online policy purchase.

Instant Policy Issuance: With online premium payment, your medical insurance policy is issued almost instantaneously.

Safe Transactions: When you make premium payments through IRDAI-approved websites, you ensure genuine and safe payment gateways.

At Tata AIG, we are committed to ensuring the best experience for insurance seekers. Some of our unique benefits include:

Pre and Post-Hospitalisation Medical Expenditure: Coverage for medical costs incurred 30 or 60 days before the hospital's admission date and medical charges incurred in 60 or 90 days after the discharge from the hospital.

Ayush Cover: Coverage for in-patient treatments practised following Ayurveda, Siddha, Unani or Homeopathy.

Consumables cover: Expenses for surgical and medical supplies beyond the cost of hospitalisation are taken care of under this cover.

Global coverage: Policyholders have the option of seeking medical treatment abroad for their specific health condition.

Maternity cover: Insurance seekers can opt for a maternity cover (that comes with a four-year waiting period) to tackle 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, Policyholders will receive an additional ₹10,000 for necessary treatment.

OPD cover: With our 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 our claim settlement process is seamless and customer-centric

Automatic restoration: With this cover, policyholders get automatic restoration of the sum assured to take care of medical emergencies. If you exhaust your coverage in a year, it gets replenished.

Cumulative bonus: Policyholders can earn up to 50% cumulative bonus annually for claim-free years. Associated benefits include cashless treatments, tax benefits, and more, all curated to meet specific healthcare requirements.

At Tata AIG we acknowledge the stress associated with medical emergencies and strive to ensure policyholders receive superior healthcare through unique features such as:

• 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-existing health conditions after a waiting period of two to five years

• Cashless claim settlement at a hospital of your choice across India

• 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 daycare processes that take less than 24 hours

• COVID-19 coverage

The processes for insurance purchase and renewal have been made easier and user-friendly at Tata AIG 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 “Renew” and then select “Health”

• Enter your contact details, policy number, and other information as prompted on the screen

• Select the policy you wish to renew. You can even choose to enhance your policy with add-ons but this will increase your premium by a bit.

• Once you pay the premium, your policy will be renewed

Documents Required to Buy Tata AIG Health Insurance in Rajasthan

• A cancelled bank cheque

• A duly signed and filled proposal form

• Proof of identity (Aadhaar card, PAN card, passport, etc.)

• Proof of address (Aadhaar card, utility bills, etc.)

• Proof of income (salary slips, bank statements, etc.)

There are two claim settlement processes: reimbursement claims and cashless claims. Let’s see how you can raise a claim with both these processes:

Process for Reimbursement Claim Settlement:

• Go to our claims page and initiate a reimbursement claim.

• Inform us about when and where you intend to receive your medical treatment

• After you are discharged from the hospital, pay for the medical treatment costs upfront

• File for 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

Documents Required for Reimbursement Claim

• A duly signed claim form (available on request or can be downloaded from our website).

• All medical reports and treatment details or reports.

• All medical bills, including consultation bills, pharmacy receipts, prescriptions, and any other payments made towards the treatment.

• A certificate from the treating doctor that clearly indicates the medical procedures undertaken.

• First Information Report (FIR) in case of accidents or theft.

• A clear copy of your health insurance policy.

• Bank details for processing reimbursement payment.

• Any other additional documentation to support your claim.

Process for Cashless Claim Settlement:

• Go to our claims page and initiate a cashless claim. Alternatively, you can also call us to notify us.

• Visit a hospital of your choice. In case of emergencies, notify us within 48 hour after hospitalisation and 48 hours before admission for planned hospitalisation.

• Carry the policy documents of the insured patient and submit them at the hospital’s insurance desk with their ID and submit a pre-authorisation form.

• Once the application is approved you are eligible to receive cashless service at the hospital.

Earlier, a health insurance policyholder could get cashless treatment only at an empanelled network hospital of the insurer. However, to make health insurance more accessible for people, IRDAI has amended this condition. Now, you can get cashless treatment at any hospital of your choice in Rajasthan as in other parts of the country.

So if you wish to receive cashless treatment with Tata AIG at any hospital in Rajasthan, you can visit any of the network or non-network hospitals of your choice and follow our simple claim settlement process to enjoy cashless claims. .