Health Insurance in Coimbatore
Coimbatore, also known as the ‘Manchester of South India’, is a prominent city in Tamil Nadu and a major hotspot for quality healthcare services, including alternative treatment like homeopathy. There are many hospitals, including multi-facility centres and government-run centres that provide treatment free of cost. Various health schemes have been launched by the state government to ensure a healthy life for the citizens.
People from neighbouring towns come to Coimbatore for undertaking various treatments. It is because of the availability of world-class facilities for emergency medical procedures and surgeries. However, the cost of treatment is a cause of concern for many families. Hence, having the best medical insurance in Coimbatore will provide the necessary support for dealing with the high expenditures arising from medical treatment. Medical insurance has numerous benefits. More importantly, the cashless treatment facility proves to be a great help as a policyholder is not required to make any payment directly from the pocket. It is the insurer that pays to the hospital, subject to policy terms, thus saving time and efforts for the insured person.
Religare Health Insurance has many cashless network hospitals in Coimbatore where you can get quality medical care without worrying about the bills.
The Need for Health Insurance in Coimbatore
Coimbatore is a tier-2 city that has seen rapid industrial growth over the years. Non-communicable diseases, including heart problems, are significant health risks not just for the industrial workers but for the rest of the population. Besides, an unhealthy lifestyle has given rise to numerous ailments like obesity, diabetes, etc. Rising pollution levels is another factor that has led to the growth of respiratory diseases. A breathing difficulty for an asthmatic patient can lead to emergency hospitalisation any time. Without prior planning, it can create financial problems for a family.
It is just one example to explain why it is crucial to prepare financially so that treatment costs do not pose a hindrance in accessing quality medical care. Opting for health insurance in Coimbatore is a safety net for the people living in the city. The health plan will not just cover the hospitalisation costs but also offer other benefits such as cover for pre-and post-hospitalisation medical expenses, daycare treatment, ambulance cover, etc.
The facility of cashless claims is available for policyholders. It is a helpful feature that minimises the hassles of time-consuming paperwork. Using a health card, policyholders can now pay for their hospital bills without spending money from their pockets.
The insurer, under the cashless treatment facility, settles the bills by direct payment to the hospital on behalf of the insured person, subject to policy terms and conditions. This facility is available only at the network hospitals listed by the insurer.
In the event of hospitalisation of a person, the family goes through a lot of stress. In a situation like this, thinking about medical bills can cause additional stress. Hence, one can opt for cashless treatment so that there is no inconvenience regarding the payment of hospital bills. There are several health insurance companies in Coimbatore. It is advisable to get a health cover from the best insurer.
Tips to Consider Before Buying Health Insurance in Coimbatore
Buying a health cover can be confusing, especially for first-time buyers. To make things easy, we present some factors you must consider before choosing the best medical insurance in Coimbatore:
- Rightly assess your needs by keeping in mind the number of family members, age, medical conditions, etc.
- Go for a policy with high sum insured so that you get covered for the various medical expenses that you might incur
- Find out the network hospitals of the insurer which are nearest to your location
- Make sure the policy offers you features like lifetime renewability, annual health check-ups, and no claim bonus
- Know the claim settlement ratio of the insurer and the procedure to file claims.
How to Avail Cashless Treatment in Coimbatore
You can avail cashless treatment in Coimbatore at any network hospital of the insurer in the most hassle-free manner. The policyholder is required to adhere to the below steps:
- Choose any network hospital for medical treatment
- Inform the insurer about hospitalisation within the specified time
- Submit the duly signed pre-authorisation form 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 of 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 insurance company, after considering the policy terms. The insured must contact the insurer within 24 hours in case of emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.