Protecting Against Major Risks: Critical Illness Health Insurance in Patna
Patna, a reverberating cultural hub, is the capital city of Bihar. In recent years, Patna has witnessed rapid industrial development. More and more people are settling in Patna for commercial and economic activities. As Patna experiences rapid growth in infrastructure development, particularly in the healthcare sector, the costs of medical treatment will touch the sky. Only the right health insurance policy could offer you solace in the face of medical adversities. This article will investigate health insurance policies offering protection against critical illnesses in Patna.
Health Insurance in Patna
There is a short saying that health is wealth. No one can ever deny that it is difficult to imagine wealth sans health. As more and more people come to Patna to create wealth for themselves, it is imperative that they also make arrangements for their health. It is here that health insurance Patna comes into the picture. As medical bills increase exponentially in cities such as Patna, it is prudent for sane workers and professionals to opt for a health insurance policy at the right time. There is no point waiting to meet dreadful consequences in the face of a medical emergency. It is always better to prepare well in advance. With top insurers such as ACKO offering attractive insurance products, it is the right time to get the right insurance coverage in Patna.
Major Risks Covered by Health Insurance
Health insurance offers you protection against unexpected medical expenses. Here’s your quick breakdown of the key risks covered with health insurance.
- Hospitalisation Costs
Most insurance policies cover hospitalisation costs. You can get protection against various expenses you may incur while being hospitalised. Some of the key expenses covered include the following:
- Room Rent
An insurance policy covers the cost of your hospital room.
- Doctor’s Consultation Fees
Fees charged by the doctor during hospital stays are also covered.
- Medications
Financial cover for medications used during your hospital stay.
- Surgery Costs
The costs of surgeon fees, operating room charges, etc are covered.
Critical Illness Health Insurance
Let us quickly look at the key features of a critical illness health insurance policy.
- No Requirement of Medical Bills
Health insurance for critical illnesses covers specific conditions such as heart attacks, cancers, strokes, and organ transplants.
- Lump Sum Payout
You are paid a lump sum upon diagnosis of a critical illness with your critical illness health insurance plan.
- Comprehensive Coverage
Reimbursements in a critical illness plan are not based on medical bills. You are paid an amount upon the diagnosis of the critical illness. The easy claim process lets you fully focus on your recovery.
- Waiting Period
Check whether your health insurance policy has a waiting period. The normal waiting period is 90 days. It ensures that you do not get insured right away. A 90-day period is enough for you to determine your existing illnesses.
- Survival Period
Make sure that your insurance policy has a condition for survival. The survival period is the time period between the diagnosis and the culmination of critical illness. Having a survival period points out the genuineness of the insurer and ensures that the policy is not fraudulent.
Benefits of Health Insurance
Critical illness health insurance is your protection against dreadful illnesses. Some of the most important benefits are:
- Instant Financial Support
A critical illness health insurance policy offers a lump sum payment on the diagnosis of a critical illness. This financial assistance covers everything from medical bills to rehabilitation costs.
- Limit Free Choices
Unlike a regular health insurance policy, you are not limited to a select group of hospitals with this type of insurance plan. It offers a range of options for specialised treatments.
Conclusion
In this article, we’ve seen why getting health insurance for critical illnesses is right in Patna. It covers critical illnesses such as heart diseases, strokes, and cancers. Top insurers such as ACKO can help you retain your peace of mind even in the face of a dreadful medical condition.
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