Delhi is a busy city with a high cost of medical facilities. Several people live there and they all require different healthcare needs. Health insurance plays an essential role in protecting us financially. Health insurance covers the cost of medical treatment for injuries, illnesses, and hospital expenses. Comprehensive health insurance in Delhi provides extra benefits like preventive medical health care & death benefits, there’s a variety of health insurance policies available. This article will help you how to find and claim the right Health insurance in South Delhi.
What is Health Insurance?
In simple words, we can say that Health insurance provides financial coverage for medical expenses. It plays a role of a financial tool. It is a lifetime comprehensive coverage. It pays out to your beneficiary at the point of the policyholder’s death. These are medical coverage and cover health needs.
Types of health insurance in South Delhi:
If you live in south Delhi where air quality is very poor and increasing the diseases like cancer, obesity, asthma, sugar, and many more. It creates a hurdle in your pocket. Before selecting Health insurance it is essential to know the types of health insurance in South Delhi available.
Individual Health Insurance: it is one of the common health insurance of a single person and covers all medical expenses incurred for illness. Such types of medical insurance plans cover all the hospitalization, surgical, pre and post-medication expenditures till the insured limit is reached.
Family Floater Health Insurance: Family Health Insurance Policy secures your entire family under a single cover. It covers all the members of your family including your spouse, kids, and elders. In this plan, one member of the family has to pay the premium, and the entire family gets secured in a single premium.
Senior Citizen Health Insurance: This type of Health Insurance provides coverage to senior citizens. People who are 65 years and above can take such kind of insurance. So if you have to buy an insurance policy for your parents or grandparents, then this one is the best policy for you. The Senior Citizen Health Insurance will offer you coverage for the cost of hospitalization and medicines, whether it arises from a health issue or any accident.
Top-up Health Insurance/ Super Top-Up: A super top-up health insurance policy compensates you for medical expenses that exceed the coverage limit of the policy. While A top-up health insurance plan only pays expenses above the policy limit once a year.
Critical Illness Insurance: Disease-based Health Insurance like Cancer Care Provides a lump sum payout upon diagnosis of a specified critical illness.
Claiming process of health insurance:
Here’s a step-by-step study of how to claim health insurance in a hospital for cashless claims:
1. First you have to choose a hospital within your insurer’s network. A list of network hospitals is included in your health insurance policy in South Delhi or on the insurer’s website.
2. Inform your insurance company about your hospitalization as soon as possible. Arranged procedures should be accomplished at least 3 days in advance. In case of emergencies, inform them within 24 hours of admission.
3. Obtain the pre-authorization form from the Third-Party Administrator (TPA) desk at the hospital or your insurance company. Fill it out accurately and submit it with proof of your ID and health e-card at the hospital’s TPA desk.
4. The insurance company will verify your claim and, upon approval, directly settle the bill with the hospital.
Here are some tips that you need to consider during the health insurance claim procedure for a cashless claim:
– Double-check that the chosen hospital is indeed part of your insurer’s network to avoid later claim rejection.
– Ensure you have the necessary documents, such as your ID proof, health e-card, and medical records, handy for a smooth claim process.