Health Insurance in Ranchi

Ranchi, the capital city of Jharkhand, is known for being incredibly picturesque owing to its many waterfalls and natural beauty. It receives many tourists from all over the country, especially those who want to try their hand at trekking. While tourism contributes greatly to Ranchi’s economy, it is not all that helps make Ranchi a fast-developing centre of commerce. Ranchi is also rich in minerals and other natural resources, and mining them provides many people with their livelihood in the city. The city also has vast forest reserves, which have led to the development of forest-related industries to crop up.

But it is not fair to say that everything is picture-perfect in Ranchi. The city still battles sanitation issues. The problem of sanitation has led to the spread of water and air-borne diseases like cholera, tuberculosis, diarrhoea and more. The prevalence of lifestyle diseases has also increased in the city, with many people suffering from hypertension, diabetes, cardiovascular diseases, obesity, etc. This means that people need to allot more toward healthcare in their budgets, and healthcare in Ranchi is not inexpensive.

With the rising healthcare costs comes a greater burden on the people who have to bear the brunt of these costs. But a person can find much help with healthcare costs if they have health insurance. When you have a medical insurance plan, you pay small amounts annually or quarterly, and your insurance provider pitches in any time you have a medical need.

A health insurance plan from Tata AIG comes at affordable rates and with many benefits. We have multiple plans for you to choose from, and you also have the option to customise your plans based on your requirements. You can also buy your health insurance online without wasting time at any office or filling out a lot of paperwork.

When you buy health insurance plans for your family and yourself, you ideally look for a plan that gives you comprehensive coverage at affordable rates. You may also look for a medical insurance plan that you can rely on and one that has a great market track record. Finally, you may look for an affordable plan that may not become a burden to you in the long run. If you are looking for health insurance in India with these benefits, you are defining what a plan from Tata AIG looks like. However, this is not all health insurance in Ranchi from Tata AIG will get you.

• Cashless Hospitals All-Around the Country- Having a health insurance plan from Tata AIG gives you access to over 7000 network cashless hospitals all over the country. You or a family member may fall sick at any given time without any warning. You may even be out of your city while this happens. You will not have to worry in such a scenario if you have health insurance in India from Tata AIG. You can go to our nearest network hospital and get the best care without worrying about footing the bills.

• Online Purchase and Renewal- We at Tata AIG have designed our online policy purchase and renewal process to be simple and hassle-free. All you need to do is visit our website and find a plan that best suits your needs. You must then click on apply to fill in the simple online form with your details. After attaching the appropriate documents, you need to click on submit. The renewal process is also equally simple. None of it takes a lot of time to complete.

• High Claim-Settlement- Every claim request that comes through to us is looked into with increasing seriousness. We try our best to ensure that all our customers get their claims settled in a way that is pleasing to them and promptly. Our claim settlement team is working round the clock to give you results, and the fact that in 2020-21 we had a claim settlement ratio of 94.21% is a testament to this fact.

• Holistic Customer Support- When you have health insurance for your family and yourself from Tata AIG, you can be assured that you can get the best customer service there is. Our customer service is at your disposal 24/7, 365 days a year. You can reach out to us with any query you may have, be it for a purchase or a claim. No query goes unanswered, and every single one is given the same importance.

• The Trust of Tata- When you buy health insurance in India from Tata AIG, you buy into the brand name Tata has created for itself over the years. You are buying into a company that has always put its customers first and one that has enjoyed unparalleled customer loyalty. You can be sure that when you are part of the Tata family, you are getting products and services that will put your first.

Today, we want everything to be quick and convenient. Our food should be prepared quickly and conveniently, our rooms and cars should be cooled quickly and conveniently, and we want quick and convenient workouts (if we can even bother with that much). Everything needs to be on the fast track. Living like this makes us vulnerable to a range of illnesses. If there is not much we can do to improve our lifestyles or reduce our exposure to toxic substances, the least we can do is be prepared in case our health deteriorates. Here is where health insurance plans for your family and yourself become very important.

With Tata AIG’s medical insurance plans, you can be sure that you are getting the best benefits of health insurance. As we have already said, you come first for us, whether it is when drafting policies or settling claims. So when you buy mediclaim insurance in Ranchi, always rely on Tata AIG. Still not convinced? Here are a few more reasons why they are a top name in the market.

• Covid-19 Cover- If the last two years have taught us anything, it is to be extra cautious regarding our health. Healthy people lost their lives owing to Covid when they could not get the adequate care necessary. But at Tata AIG, we understand that even though the threat of Covid has decreased significantly, it has not completely diminished. So we offer you a Covid cover, and in case you contract the virus, you can get the best care possible.

• No Excessive Documentation- When buying or renewing a medical insurance plan with Tata AIG, you will not be asked to submit a long list of documents. A few basic documents like your ID proof, age proof, residence proof, and documents regarding your medical history will be asked for. Other documents asked for will be subject to an absolute need.

• No Testing- Many insurance providers ask you to undergo extensive testing before receiving medical insurance in Ranchi. We at Tata AIG do not believe in hassling our customers with testing before buying a policy. You will only need to submit documents about your medical history and no more.

• Tax Benefits- When you buy health insurance in India, you are securing the health of yourself and your loved ones and saving some major bucks in the form of tax savings. You can save up to ₹25,000 for yourself and your family and up to ₹50,000 if you are paying the premiums for senior citizens, as per section 80D of the Income Tax Act of 1961.

• Security- As we have already mentioned, a health emergency may crop up at any given time without any warning. What do we do in such a time? Where do we get the funds together for hospitalisation? Do we think about the best care or the lowest price we can pay? Thinking of these things can put our minds in a state of turmoil. But if you have mediclaim insurance in Ranchi, these are not things you need to worry about. You can put your health and that of your family first, knowing your insurance from Tata AIG will take care of the financial side of things while assuring you of the best care with our network hospitals.

These reasons must have shown you why Tata AIG is the best choice when buying health insurance for your family and yourself. The bottom line is that our customers always come first for us, so you can be sure of receiving the best at all times.

If you have health insurance in Ranchi from Tata AIG and need to find a network hospital in a hurry, you may worry about finding one in time. But this should no longer be a concern for you. With our network hospital locator, you can find access to all the hospitals close to you. So whether you are at home looking for a hospital or one in a different city, you will face no problem. Just type the area in the locator, and you will find a list of network hospitals closest to you in no time.

Having an insurance provider that provides you with cashless hospitalisation is among the biggest benefits you can get from your medical insurance in Ranchi. It helps you deal with health emergencies in the most hassle-free manner possible. At Tata AIG, you get the ease of cashless hospitalisation at over 7000 network hospitals meaning there will be no place in the country where you will be stranded without medical support.

There are many reasons why cashless hospitalisation benefits are preferred by most people these days. Some of these reasons are;

• Ease: When facing a health emergency, the last thing you want to worry about when returning home is a lengthy claim process. You or your family members may not have the bandwidth to gather all the documents and follow up with the insurance office as illness and recovery are already stressful. With cashless hospitalisation, you need not worry about a lengthy claim process once you are back home from the hospital, as the payment process will be handled directly by your insurance provider.

• Emergencies: We can never gauge when a health emergency may crop up and how severe it may be. What we do know, however, is how expensive healthcare has become in our country. If you do not have cashless hospitalisation facilities, you will have to put together funds, especially as you take the patient in for admission. But with cashless hospitalisation, you do not need to worry about money to pay for your treatment as it will be taken care of by your insurance provider.

• Security: If you have health insurance with cashless hospitalisation benefits, you can rest assured knowing there will be no health situation you cannot deal with. You can further be secure in knowing that you have done your best to provide your loved ones with the best care money can buy. Also, when a health problem does come up, you are secure knowing that all you need to focus on is taking care of yourself or your loved one.

• Best Hospitals: When you buy a medical insurance plan from a provider like Tata AIG, you can be sure about its quality. So you should also know that the hospitals we partner with are among the best in the country and your area. When you go to these hospitals for treatment, you will get the best care and be taken care of in the best possible way. You can rest knowing that the hospital team will help you toward a smooth recovery.

• Network Hospital Locator: Our hospital locator ensures you never have trouble finding a hospital close to you where you can get cashless benefits. Also, because we have so many good network hospitals all over the country, one will never be too far from where you are located. It makes locating and commuting to a network hospital very simple.

You may be wondering about the hospitals in Ranchi Tata AIG partners with. In that case, we will be listing all the hospitals in Ranchi we partner with, where you may get cashless benefits. You can rest assured knowing that these hospitals will offer you quality care, and you will not have to worry about paying for most services.

You need to note that while this list contains most of our network hospitals in Ranchi, it does not contain all. For a more comprehensive list, you can use our network hospital locator.

If you wish to know about the other cashless network hospitals in Ranchi, follow the steps below.

• Open Tata AIG’s network hospital locator.

• Type ‘Ranchi’ to get the names of all the network hospitals in the city, or type the name of the specific area you are in to get the names and addresses of the hospitals closest to you.

• Click ‘Search’.

A list with the names and addresses of all the hospitals in the area you have typed will be visible to you.

At Tata AIG, we offer you the use of our online premium health insurance calculator. This calculator allows you to enter the specific variables of the insurance plans you are interested in to see what your annual, bi-annual, quarterly or monthly premiums would look like. Using this calculator helps you make better choices when choosing your plan as it gives you a better idea of what you would have to pay and can judge if it is an amount you can pay periodically over an extended period. We always suggest that our customers use this calculator before making their final decision on a purchase. It is important to note that insurance payments are long-term, and thus you should not make the purchase before planning it out well.

• I had some doubts when buying health insurance from Tata AIG, and the team went above and beyond to help me clear it out. Great customer service- Prashant Yadav.

• The different plans offered by Tata AIG are clearly elaborated on the website making it easy to choose a policy- Farhan Firdaus.

• Great policies at great prices. Great job!- Sharanya Dey.

• Easy to buy online- S. Muralidharan.