Health Insurance in Bilaspur
Bilaspur is a city in the state of Chhattisgarh, which is known for its excellent health infrastructure. It offers its residents a comfortable lifestyle owing to the presence of advanced healthcare facilities. There are numerous well-recognised hospitals, diagnostic centres, nursing homes, and government hospitals that deliver affordable treatment. Moreover, there are speciality hospitals for the treatment of critical illnesses, so people need not go to neighbouring towns for getting medical care. Besides, the state government has been actively promoting new health schemes to give rural areas access to medical care at low cost.
The relevance of getting quality healthcare is more than ever before. Lifestyle ailments and diseases arising from environmental factors or one’s family medical history are affecting the daily lives of people. At the same time, there is a growing concern over expensive treatment costs, particularly in private healthcare centres. Moreover, medical expenses are not just limited to hospitalisation costs but rather involve associated charges like ambulance, medication, diagnostic tests, etc.
To minimise the burden of treatment costs, every family should invest in health insurance in Bilaspur. The most important benefit of having a health cover is the cashless treatment facility.
Religare Health Insurance has several cashless network hospitals in Bilaspur from where you can avail of this facility and get quick claim settlement.
The Need for Health Insurance in Bilaspur
The rural population gets exposed to various kinds of health problems arising from unhealthy living conditions. The government is taking efforts to provide a solution for low-income groups. On the other hand, many families have access to a quality lifestyle, yet they face various health risks owing to poor lifestyle habits like irregular diet, stress, sedentary routine, etc. All these are factors result in serious ailments such as diabetes, hypertension, cardiovascular diseases, etc.
A medical emergency can occur without any warning. Therefore, it is wise to stay prepared financially. Buying a health cover is an ideal solution when it comes to managing high medical expenses. Moreover, with health insurance Bilaspur residents can avail coverage for alternative treatment methods like naturopathy and homoeopathy, which is a saving grace.
As healthcare costs are rising, a family has to spend more on medical treatment. During a medical emergency, a family may face a cash crunch at the time of paying for hospital bills. Here is where the role of cashless treatment comes into play. The cashless payment facility offers numerous advantages. It saves a lot of time and eases the process of paying for treatment expenses.
Under this facility, policyholders can avail treatment at a network hospital using a health card without making any payment from their pocket. The expenses are borne by the insurance company that directly pays the hospital on behalf of the insured, subject to policy terms and conditions. This facility is only available at network hospitals of the insurer.
Tips to Consider Before Buying Health Insurance in Bilaspur
Before buying health insurance in Bilaspur, you must consider various factors so that you get the right plan that suits your needs.
- Choose health cover based on age, medical conditions, number of family members, etc.
- Go for high sum insured that will help you manage the high medical costs
- Find out about the nearest network hospitals in your location
- A health cover should have features like no claim bonus, annual health check-ups, etc.
- Read about the policy exclusions so that you can prepare
How to Avail Cashless Treatment in Bilaspur
With Health Insurance Bilaspur residents can get cashless treatment by following the below-mentioned steps
- Select any network hospital in your city for medical treatment
- Inform your insurer about hospitalisation as per the given time
- Submit the duly signed pre-authorisation letter at the hospital insurance desk
- Provide all the supporting documents and health card
- After verification of documents, the claim management team will send an approval
- In case there is any information deficiency, the team may raise a query
- Upon approval, the medical bills will be settled, as per policy terms and conditions
The claim will be processed by the insurer depending on the policy cover. It is mandatory to inform the insurer within 24 hours in case of emergency hospitalisation and 48 hours prior to admission in case of planned hospitalisation.