Health Insurance in Rajkot
Rajkot is one of the prominent cities in Gujarat, which offers excellent opportunities for a high-end lifestyle. The city has captivated visitors through its vibrant culture, centuries-old traditions, and numerous places of attraction.
Rajkot is the second amongst the cleanest cities in India and a bustling metropolitan area with thriving industries and excellent infrastructure. It has a robust healthcare system catering to a growing population. People from neighbouring regions and abroad come here to seek medical treatment. Also, the state government has been focusing on boosting the health infrastructure by implementing various schemes. There are plenty of private multi-speciality hospitals, government hospitals, nursing homes, clinics for alternative treatment, and diagnostic centres in the city.
Getting medical treatment is a cause of concern for many families, despite the availability of quality medical facilities. The primary reason is the high cost of healthcare, especially in private hospitals. Many people bear their medical expenses without the support of medical insurance and subsequently, face financial difficulties. Buying health insurance in Rajkot is of utmost importance as it would cover a range of medical expenses that go beyond hospitalisation.
The various expenses covered by health policy include pre-and-post hospitalisation and ambulance costs. Moreover, the cashless treatment facility is advantageous as it eliminates the inconvenience of paying medical bills from one’s pocket. This facility, offered by Religare Health Insurance, is available at various cashless network hospitals in Rajkot.
The Need for Health Insurance in Rajkot
Life in urban areas is fast-paced. People are always on the move and tend to ignore their health in the process. Many diseases such as diabetes and hypertension are on the rise owing to an unhealthy lifestyle. Such health conditions need timely medical care without which complications may occur.
In cities that see rapid industrial growth, air pollution is a big problem which increases the risks of respiratory illnesses. Furthermore, heatwave and scorching summers affect the health, causing severe conditions like heat stroke. A medical emergency can strike without warning. Hence, it is necessary to stay prepared. One way to reduce health risks is by maintaining a healthy lifestyle and take suitable precautions.
Buying a health cover is also essential for one’s financial security. Getting medical treatment at a private healthcare centre in Rajkot can be expensive. The stress that comes with hospitalisation reduces if one opts for health insurance in Rajkot. This way, financial savings will not be affected due to unexpected medical expenditure.
A good health policy offers coverage for a range of medical expenses besides the hospital bills. Moreover, cashless treatment is a facility that many health insurers like Religare Health Insurance provide under their health policies. With this facility, policyholders can get admission to a network hospital using a health card. They need not pay the medical bills from their pocket. It is the health insurer that settles the expenses directly with the hospital, subject to policy terms and conditions. However, to avail of the cashless facility, one should get medical treatment only at a network hospital of the insurer.
Tips to Consider Before Buying Health Insurance in Rajkot The market is flooded with numerous health policies, and it can be confusing for an individual to decide what is best. Before buying health insurance in Rajkot, consider the following points:
- Assess your needs based on factors like medical conditions, age, etc.
- Get a high sum insured that covers your medical expenses
- Make sure there are network hospitals of the insurer present in your location
- Find out if the policy has features like annual health check-ups and no claim bonus
- Choose an insurer with the best claim settlement ratio
How to Avail Cashless Treatment in Rajkot?
Our Health Insurance Rajkot policies offer the cashless treatment facility at network hospitals. Follow these steps to avail the facility:
- Select your preferred network hospital for medical treatment
- Inform the insurance company within the specified time
- Submit duly signed pre-authorisation form at the hospital insurance desk
- Provide your health card and the supporting documents
- The claim management team will send an approval, after document verification
- If required, the claim management team may raise a query
- Upon approval, the company will settle the bills, as per the policy terms and conditions
The insured must remember to inform the insurer within 24 hours in case of emergency hospitalisation and 48 hours before admission in case of planned hospitalisation.