Kolkata is the city of dreams providing a host of amenities. The city provides robust health care facilities for the people residing there and even for the outstation people. Apart from government, there are semi government and private hospitals. When you are residing in a fast-paced city like Kolkata there is a strong possibility of heart diseases and obesity. It is not only about physical health, but it can drain your pockets. As a safety measure planning for a health insurance in Kolkata is a vital step.
The health issues cannot be avoided, and it tend to be expensive. Being uncertain a suggestion it is always handy to have a health insurance policy ready so that you do not face any issues. When you are choosing a health insurance policy have an idea about the coverage. Most people are of the assumption that a health care and a med claim policy tend to be the same. But a careful assumption indicates both are different. An increase in hospitalization expenses might cost you a lot especially when it is emergency or cashless hospital services. Without hampering your savings in any form, you can always choose a cashless treatment option. So as to cope up with hospitalization a suggestion is to choose the best healthcare policy. In the event of purchasing the best health insurance policy you have to keep certain points in mind
- Network of hospitals
- Co- payment
- Sum assured
- Any exclusions
A quality policy is always going to cover the hospitalization expenses along with routine health care check- ups. Residing in a metro city has its own set of priorities. But just like every side of the coin has two ends, same is the case with your health. A lot of people end up suffering from asthma, or diabetes. Coupled with the fact the cost of healthcare is rising in Kolkata. The moment you opt for a health insurance policy it can help to get rid of the worries. But there are a series of measures by which you may protect yourself
- A nutritious diet
- Make it a point that regular health care check- ups are vital.
The option to avail cashless treatment
It is an easy task to opt cashless treatment and keep your financial issues at bay. A point to remember is that the option of cashless treatment is available if you only stick to the network of hospitals mentioned in the policy. An advantage of this policy is that the insurer is not going to pay a single penny and the entire cost of hospitalization is borne by the insurance company. It would be as per the specified terms along with conditions, and it would be necessary for an insurer to stick to the following steps.
- The choice of a network hospital in your location
- You have to submit a pre- authorization form that was selected by you
- All the necessary documents have to be submitted and notify the insurance company about the same
- It is after the process of verification the claim management team is going to get back to you in the case of a query.
When it is going to be the case of emergency hospitalization, you have to notify the company within 24 hours. Whereas in the case of planned hospitalization it can be around 48 hours. There is an option of cashless treatment, and the claims may be settled with the aid of a health card.
The benefits of health insurance plan
When you are purchasing health insurance plans there are a series of benefits
- A comprehensive coverage of prehospitalization and post hospitalization is provided
- The insured sum of policy is for family floater policies
- As per section 80 D of the income tax act one can obtain tax deductions on the premium paid on the policies.
There are various websites where you may obtain the necessary information about tax deduction
The reasons to opt for care insurance
No doubt to the fact the cost of health insurance has gone on to increase manifold. But with plenty of options available you will be surprised to figure out which health insurance policy could be a right one for you. There are numerous websites which makes the task of choosing a health insurance policy an easy one. One of the prominent names in the domain of health care is Care Insurance. As part of the policy, it covers hospitalization expenses, day care treatment along with ambulance cost. In addition, you are entitled to treatment at some of the prominent cashless hospitals in Kolkata. With rise in age diseases are bound to emerge at any point of time. If you avail the option of health insurance policy, it can turn out to be saving grace.