Health Insurance in Chennai

Health Insurance in Chennai: An Overview

Chennai, a bustling metropolitan city and the capital of Tamil Nadu, is a commercial hub. The city houses some of the finest healthcare centres and attracts several health tourists from across the globe. Known as India's health capital, Chennai has numerous government-aided and private hospitals, including multi-speciality hospitals offering superior medical care.

With life becoming fast-paced in metro cities, stressors like work, traffic snarls, and air pollution take a toll on our health. The cost of medical treatment has also skyrocketed, and without adequate financial support, paying medical bills can take away our hard-earned savings. That’s why reaching out to the best health insurance companies in Chennai is the right solution to get quality healthcare with the utmost ease. At Care Health Insurance, you can avail of quality healthcare facilities at any cashless network hospital in Chennai listed under the insurer. Through Care medical insurance in Chennai, we ensure your financial worries are taken care of.

Reasons for Buying Care Health Insurance Plan in Chennai?

Getting the best medical insurance in Chennai will provide a protective cover for your financial savings in times of a medical emergency. Here are some reasons why Care Health Insurance is the best health insurance company in Chennai:

• Comprehensive cover for medical expenses that go beyond basic hospitalisation
• Coverage for other expenses such as ambulance costs, pre-and-post-hospitalisation medical expenses, diagnostic tests, daycare treatments, OPD expenses, and maternity expenses
• Option to customise the policy as per an individual’s needs
• Additional benefits in terms of the higher sum insured upon policy renewal for having a claim-free year
• Tax deductions under Section 80D of the Income Tax Act on the premium paid to the insure

Click here to know more about tax deductions.

How to Avail Cashless Treatment in Chennai?

Usually, the best health insurance companies in Chennai offer a cashless treatment facility. This enables the insured person to get prompt medical attention without having to worry about finances. Mentioned below are the steps for availing of the cashless treatment facility:

• Choose any network hospital in the city for 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 the health card.
• After verification of documents, the claim management team will send an approval.
• If required, the claim management team may raise a query.
• Upon approval, the medical bills will be settled as per the 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.

How to Buy Best Medical Insurance in Chennai?

Purchasing health cover for the first time can be confusing. The following factors will give you an idea of choosing from the best health insurance companies in Chennai for your family:

• Figure out your needs based on your age, medical conditions, number of family members, etc.
• Choose a policy with a higher sum insured for getting adequate cover for your major medical expenses.
• 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.
• Check for the policy exclusion and waiting period so that you can plan accordingly.
• Know the claim settlement ratio of the insurer and the procedure to file claims

Click to know about the Care Health Claim Settlement Ratio and No Claim Bonus

Ideally, the best health insurance policy in Chennai should have the features discussed above. When buying the policy, individuals must go through the policy documents, keeping in view their needs. Do not miss to check the policy fine print, so you need not face any hassle when filing a claim.