Introduction
The recent Corona situation has made a lot of us realize the soaring medical costs in our country. Government hospitals were choked to full capacity and many of us were forced to seek treatment in private hospitals, mounting hefty bills. The pandemic has made us realize the importance of good health and a great health insurance policy.
Health Insurance should be part of every family’s basic asset. Health insurance premiums are very affordable and give you much needed financial relief in times of medical emergencies. Whether it is for you as an individual, or your family as a whole, a comprehensive health insurance policy is a must these days.
Health Insurance Policies in Agra
Agra, the most visited place in India, famous for its Taj Mahal, is a bustling city with lakhs of tourists and service providers catering to the tourism industry. With a population of around 16 lakhs people, the health infrastructure in the city is highly developed. In recent years, healthcare in Agra has increased, and government institutions have mostly supported it. Agra has a number of government hospitals spread across the city, serving both the rural and urban populations. The local people as well as patients from neighbouring cities choose the government hospitals in Agra.
Yet, many patients seek private hospitals for better quality treatment. These treatments are very expensive and a good health insurance policy is the only way for middle-class families to avail them.
A good health insurance policy not only pays for the treatment, but it also gives various other benefits for the patients and the attendants.
Important Benefits Of Getting Health Insurance In Agra
- Health insurance policies cover a wide range of medical expenses.
- Expenses incurred prior to and following hospitalization are also covered.
- Expenses incurred as a result of being admitted to the hospital, such as ambulance charges, attendant allowance, daily cash benefits, and so on.
- Convalescence Benefit is a benefit that provides for rehabilitation or recuperation.
- Alternative therapy options, such as homoeopathy or Naturopathy, are also available, and the costs will be paid.
- You may also be eligible for reimbursement for expenditures incurred as a result of organ donation.
Different Types Of Health Insurance Plans Offered In Agra
There are literally thousands of Health Insurance plans available in Agra. These plans are designed based on individual needs and the type of coverage they want. There are different kinds of Health Insurance plans;
1. Individual Health Insurance Policies
Individual health insurance is coverage that you may purchase for yourself, your spouse, your children, and your parents. This form of insurance coverage pays for hospitalization, surgery, room rent, childcare procedures, and other medical expenses associated with injuries and diseases.
2. Family Floater Health Insurance
Family Floater Health Insurance should be your first pick if you want cheap health insurance coverage for everyone in your family. A single Sum Insured covers all family members included in the policy under a Family Floater Health Insurance. The cost of a Family Floater Health Insurance Plan is less than that of an Individual Health Insurance Plan. You, your spouse, children, and your parents can all be covered under this insurance.
3. Group Health Insurance
A Group Health Insurance coverage is created for a group of employees. If you operate a small business or a large corporation, you should purchase such plans for your employees. It is a type of benefit that is provided to employees by most companies. It helps employees to get basic health insurance for themselves and their dependents.
4. Senior Citizens Health Insurance
As the name suggests, this policy is specifically designed for senior citizens. It covers individuals over the age of 60. It helps people to cover their parents and grandparents who need quality medical care.
5. Maternity Health Insurance
Maternity Health cover has become popular these days. Though it used to be offered as a rider in traditional health insurance policies, many insurers are now offering it as a standalone policy to attract first time parents who want the best pregnancy experience. All costs associated with the prenatal, birth, and postnatal stages are covered. It covers childbirth (including medically required terminations), infertility treatments, and newborn infant coverage for the first 90 days.
6. Critical Illness Insurance
Diseases linked to one's lifestyle are becoming more common. The Critical Illness policy was developed with this in mind by insurance providers.
This health plan, which was created specifically for middle-class families, covers disorders such as:
- Cancer
- Stroke
- Kidney Failure
- Paralysis
- Coronary Artery Bypass Surgery
- First heart attack
- Pulmonary Arterial Hypertension
- Multiple Sclerosis
- Aorta Graft Surgery
7. Top-Up Health Insurance
If you need more coverage on top of your existing health insurance policy, you can purchase top-up insurance. However, such plans have a "Deductible Clause." In the event of a claim, payment will be provided over and above the policy's stipulated maximum. So, if you want more coverage than your normal health insurance policy, you may get this plan.
How To Choose The Best Health Insurance Policy In Agra?
The majority of India's biggest health insurance companies cover Agra. These companies provide some of the greatest health insurance plans on the market. Purchasing health insurance, on the other hand, is a significant financial decision. You want to get the most bang for your buck. When shopping for health insurance policies, keep the following in mind:
- Calculate the proper amount of coverage that will be enough for you or your family.
- Set the proper Sum Insured limit for your parents who are financially reliant on you.
- Choose the plan with the shortest wait time.
- Examine the maximum age-renewal rate.
- Purchase health insurance from firms with a high claim settlement ratio.
- Choose the insurance carrier with the largest hospital network on their list.
FAQs
1. How much sum insured can I get on my health insurance policy?
There is no maximum limit of sum insured you can opt for on your health insurance policy. However, the minimum sum insured should be Rs.1 lakh.
2. How many claims can I make in a single policy year?
With health insurance policies, you can make multiple claims in a single policy year. However, the sum insured will be the maximum limit specified under the policy.
3. What is a cashless facility in health insurance?
A policyholder with a cashless health insurance policy can receive treatment at any of the network hospitals without having to pay the hospital bills because the Third Party Administrator pays the hospital directly on behalf of the insurance company.
4. What factors influence the cost of health insurance in Agra?
Age is a crucial element in determining health insurance premiums; the older you get, the higher your premium will be because you are more susceptible to illnesses. Another important factor that influences the premium is previous medical history. If there is no prior medical history, the premium will be immediately reduced.
5. What exactly do you mean when you say "Family Floater Policy"?
Family Floater is a single policy that covers your complete family's hospitalization expenditures. The policy has a single sum insured, which can be used by any/all covered persons in any proportion or quantity up to the policy sum’s overall limit.