Health Insurance in Gurgaon
Gurgaon (officially Gurugram) is a city that offers you everything for a quality lifestyle - from modern apartments to corporate offices and from entertainment hubs to world-class healthcare centres. Referred to as the millennium city of India, Gurgaon has excellent medical care facilities with numerous super-speciality hospitals, multi-speciality hospitals, and diagnostic centres.
Those living in Gurgaon are in a constant race with time. Air pollution, noise pollution, traffic snarls, sedentary lifestyle, unhealthy diet, and work deadlines - all are factors that affect our health severely. Cases of respiratory problems in the city, such as Chronic Obstructive Pulmonary Disease (COPD), asthma, and lung cancer are increasing owing to the inhalation of polluted air. Also, poor lifestyle is a significant risk factor for ailments like hypertension, cardiovascular diseases, diabetes, etc.
Although medical facilities in the city are of world-class standards, yet the cost of getting quality treatment at private hospitals is skyrocketing in India, including Gurgaon. It implies a lot of expenditure for a family that faces a medical emergency. The expenses are not limited to hospitalisation costs; instead, there are other associated costs, such as ambulance charges, medication, diagnostic tests, etc. Health Insurance in Gurgaon is the financial safety net that you can rely on during emergencies.
Moreover, cashless health insurance is a facility with many benefits and makes payment of hospital expenses completely easy for a family. There are several cashless network hospitals in Gurgaon, listed by Religare Health Insurance, from where you can avail of this cashless treatment facility and also get quick claim settlement by using a health card.
The Need for Health Insurance in Gurgaon
Lifestyle-related ailments, seasonal and respiratory illnesses, and chronic medical conditions have affected thousands of people living in the city. A sedentary lifestyle, irregular eating habits, and lack of sleep are the factors that give rise to diseases like hypertension, diabetes, and heart problems. Without adequate medical care, these ailments can lead to severe health complications. However, as medical costs are high, it can become very stressful for the patient and his/her family. Without a financial backup, these costs can drain out one’s life savings. Buying health insurance in Gurgaon is recommended, as getting quality treatment becomes affordable.
The facility of cashless payment has numerous advantages. A policyholder can receive cashless treatment under a medical insurance plan, which can save a lot of time. When dealing with medical emergencies, a family goes through a tough time both mentally and financially. During such tense moments, thinking about hospital bills can be an added stress. Here is when a health plan proves to be a saviour.
Furthermore, under cashless treatment, the policyholders are not required to make any payment from their pockets. The expenses are instead borne by the insurer that directly pays the hospital, subject to policy terms and conditions. However, this facility is available only at a network hospital of the insurer.
Tips to Consider Before Buying Health Insurance in Gurgaon
To choose health insurance in Gurgaon, consider the following factors which will help you make the right decision:
- Assess your needs based on age, medical conditions, etc.
- Go for a policy with a high sum insured so that your major expenses get covered
- Find out the network hospitals nearest to your location
- Opt for a policy with features like 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 Gurgaon?
Avail cashless treatment at any network hospital in the city by adhering to the steps given below:
- Choose a 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
- If required, the claim management team may raise a query
- After approval, the medical bills are settled, based on the policy terms and conditions
The insurer will process the claim after considering the policy terms. The insured person must contact the insurer within 24 hours in case of emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.