Health Insurance in Chandigarh

Introduction

Chandigarh is among the many Union Territories in India. This is at the border of the states of Chandigarh and Haryana and acts as the capital for these states. This city has the highest per capita income in the country and was also awarded for being among the cleanest cities.

Chandigarh is culturally and economically a strong city of our country. This city is one of the few well-planned cities in our country and has good infrastructure facilities as well. Citizens of Chandigarh can get the benefits of good health care facilities. There are many good hospitals in this city but still, many citizens are not able to get the benefits of these facilities to the best extent.

This is on account of high treatment and hospitalization cost that is a fact at the major hospitals in this city. This makes health insurance a must for the citizens of Chandigarh to safeguard them from the high cost of treatments and get timely medical attention.

Why is health insurance needed in Chandigarh?

Healthcare facilities are one of the most important needs of the citizens of any state. The need for timely medical attention and at the same time that attention being affordable and accessible to all its citizens is a must.

Citizens of Chandigarh still have to face many issues when it comes to affordable health care facilities. The city has a few multi-speciality hospitals that can handle critical illnesses, but the cost of treatment in such hospitals is too high. The public healthcare system is still not up to par while private health care is too expensive. This makes health insurance an essential investment in this city.

Tips to Find the Best Health Insurance Plans in Chandigarh

There are many factors that have to be considered while choosing the right health insurance plan for any individual. There are many insurers that provide excellent health care plans that suit the individual needs of the applicants and are also not too costly as well. Some of the basic pointers to be considered while selecting a health insurance plan are mentioned below.

Check the reputation of the insurer

The reputation of the insurer is one of the main considerations while purchasing health insurance in any city. This reputation includes the time taken to settle a claim or the percentage of claims settled by the insurer, any previous hassles faced by insured persons due to the insurer’s policies, etc.

Check the amount of coverage and the premium to be paid

Another important factor to be considered is the amount of coverage provided by the insurers as well as the period of cover. These factors determine the amount of premium to be paid by the applicants. The optimum coverage is when the health insurance cover is sufficient to cover the health care needs of an individual and their family members.

Check if there is a waiting period or a cooling period

The waiting period is the time period that is notified by the insurers. This time period ensures that the insurer is not liable to pay any claim within this time period. This waiting period or a cooling period is from the time the policy is taken till the time it comes into effect. The waiting period is included to ensure that there is no case of any frauds or wrongdoing from the insured persons.

Check the network of hospitals that are covered under the plan

Chandigarh has a huge network of reputed hospitals that provide good medical treatments to the citizens. Most of these hospitals have a tie-up with the majority of insurers and this makes them an important consideration in selecting a health insurance plan. Hospitalization and claim of cover are quite simple under these hospitals.

Check the number of persons included in the cover

The health insurance cover provided by the insurers is usually for the entire family and not just the individual. An important point to consider is the meaning of the term ‘family members’ according to the insurer and the maximum number of persons that are included in a single plan.

Check if the plan offers cashless treatment

Cashless treatment is an important facility provided under health insurance plans. Most hospitals allow cashless treatment as part of the health insurance plans. The benefit of cashless treatment allows the insured persons and their family members to avail themselves of the admission to the hospital and the treatment without any upfront cash payment.

Check the eligibility criteria set by the insurer

Every insurer has specific eligibility criteria which is an important factor that has to be considered by applicants before applying for health insurance. These criteria have to be met by all the applicants to be eligible for the cover. Some examples of eligibility include the minimum and the maximum age bracket, medical conditions, employment, etc.

Check the various exclusions under the plan 

Insurers have few underlying conditions that are part of every health insurance plan. These exclusions safeguard the insurer from any claim payments raised by the applicants. Some examples of such exclusions can be regarding any particular situations or diseases, treatment process or medical procedures. Applicants need to get correct information about such exclusions at the time of taking the health care plan to avoid any hassles at the time of claim.

How to purchase health insurance in Chandigarh?

Citizens of Chandigarh can get health insurance easily through online or offline modes as per the insurer’s guidelines. The steps to get health insurance are mentioned below.

• The first step in this process is to get the information about the various insurers and the plans provided by them.
• The next step is to get the plan through either the online portal of the insurer or by visiting their nearest office.
• After selecting the required plan, the next step is to submit the necessary documents and make the payment for the plan purchased.
• The plan will be in effect after the completion of the waiting period.

Check the best health insurance plans in Chandigarh by filling up the form at the top of this page. The best health plans matched to your profile are sent directly to your inbox.

Conclusion

Chandigarh has many hospitals that are under tie-up with leading insurers and provide excellent health care facilities with cashless treatment also in many cases. Health insurance can be availed by all residents of Chandigarh and through online or offline modes.

FAQs