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Introduction

Every family's basic financial asset should include health insurance. Premiums for health insurance are quite low, and they provide you with much-needed financial assistance in the event of a medical emergency. A comprehensive health insurance policy is a necessity these days, whether it is for you as an individual or for your entire family.

Many of us have been made aware of the rising medical costs in our country as a result of the current Corona incident. Because government hospitals were overburdened, many of us were obliged to seek treatment in private hospitals, incurring astronomical costs. The epidemic has taught us the value of excellent health and a comprehensive health insurance policy.

Also Read: Everything about Health Insurance in India

Health Insurance Policies in Patna

Patna is the capital city of Bihar, the 3rd largest state in India by population. Patna itself is the 19th largest city in India with a population of over 25 lakhs people.

People come to Patna for medical treatment from all around Bihar and neighbouring states like Chattisgarh. As a result, there is a growing need for high-quality health-care facilities, necessitating the construction of new hospitals. Because Bihar and Chhattisgarh are two of India's poorest states, the demand for low-cost medical care becomes even more critical. This necessitates the establishment of government hospitals with cutting-edge technology and the best medical and non-medical personnel capable of providing the best services at the most reasonable prices.

Top 5 Government Hospitals In Patna

  • AIIMS, Patna
  • Nalanda Medical College & Hospital
  • Indira Ghandhi Institute of Medical Sciences
  • Patna Medical College & Hospital
  • Rajendra Nagar Government Hospital

Top 5 Private Hospitals in Patna

  • Shri Sai hospital
  • Paras Hospital
  • Ford Hospital
  • Sahyog Hospital
  • Jagdish Memorial Hospital

Top 10 Health Insurance Providers in Patna

  • Religare Health Insurance
  • HDFC Ergo 
  • Max Bupa Health Insurance 
  • Star Health Insurance Company 
  • ICICI Lombard General Insurance 
  • Future Generali India Insurance 
  • Bajaj Allianz General Insurance 
  • Apollo Munich Health Insurance 
  • Reliance General Insurance 
  • Bharti AXA General Life Insurance

Important Benefits of Getting a Health Insurance Policy in Patna

A decent health insurance coverage not only pays for treatment but also provides a number of extra benefits to patients and their companions. Despite the government's efforts to improve the amenities at Patna government hospitals, many patients choose to go to private hospitals for better care. These therapies are quite costly, and middle-class families may only afford them with the help of a good health insurance policy.

  • A wide range of medical expenses is covered by health insurance policies.
  • Pre-hospitalization and post-hospitalization expenses are also covered.
  • Ambulance fees, attendant allowance, daily cash benefits, and other expenses incurred as a result of being admitted to the hospital.
  • The Convalescence Benefit is a benefit that covers the costs of rehabilitation or recovery.
  • Alternative therapies such as homoeopathy and Naturopathy are also accessible, with costs covered.
  • You might be able to get reimbursed for expenses incurred as a result of your organ donation.

Different Types Of Health Insurance Plans Offered In Patna

Health Insurance plans have become highly customizable these days. Consumers have realized that there is no ‘one policy fits all’ concept when it comes to health insurance. So, health insurance providers have also adapted to changing market requirements and offer many different health insurance policies.

Health Insurance Policies in Patna 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

You can buy individual health insurance for yourself, your spouse, your children, and your parents. Hospitalization, surgery, room rent, childcare procedures, and other medical expenses related to injuries and diseases are covered by this type of insurance.

2. Family Floater Health Insurance

If you want affordable health insurance coverage for everyone in your family, Family Floater Health Insurance should be your first choice. Under a Family Floater Health Insurance policy, a single Sum Insured covers all family members enrolled in the policy. An Individual Health Insurance Plan is more expensive than a Family Floater Health Insurance Plan. This insurance can cover you, your spouse, your children, and your parents.

3. Group Health Insurance

A Group Health Insurance plan is designed for a group of people. You might obtain such plans for your employees whether you own a small business or a large company. It is a form of perk that most employers provide to their employees. It assists employees in obtaining basic health insurance for themselves and family.

4. Senior Citizens Health Insurance

This policy is meant exclusively for senior persons, as the name implies. It applies to people over the age of 60. It enables the customer to provide coverage for their elderly parents and grandparents who require high-quality medical care.

5. Maternity Health Insurance

These days, maternity health insurance is very popular. Though it was previously only available as a rider on regular health insurance policies, many insurers are now selling it as a stand-alone policy to appeal to first-time parents seeking the greatest possible pregnant experience. All expenses related to the pregnancy, delivery, and postnatal periods are covered. For the first 90 days, it covers births (including medically necessary terminations), infertility therapies, and newborn infant coverage.

6. Critical Illness Insurance

Diseases linked to one's way of life are on the rise. Insurance companies created the Critical Illness Policy with this in mind.

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

You can buy top-up insurance if you need more coverage than your current health insurance policy provides. Such plans, however, include a "Deductible Clause." In the case of a claim, payment will be made in excess of the policy's maximum limit. If you want additional coverage than your standard health insurance policy, this plan may be for you.

Additional Read: Arogya Sanjeevani Health Policy

How To Choose The Best Health Insurance Policy In Patna?

Patna is covered by the majority of India's largest health insurance carriers. These businesses offer some of the best health insurance policies available. On the other hand, purchasing health insurance is a substantial financial choice. You want the most bang for your buck possible. Keep the following in mind when looking for health insurance policies:

  • 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.

Conclusion: Patna is a prominent city in Bihar with a high population. People from various smaller cities, and even neighbouring states, come to Patna seeking medical treatment. Comprehensive health insurance will help these patients to get the best medical treatment. Health insurance also covers other costs associated with your medical treatment, thus giving you complete peace of mind.

FAQs

1. What is the maximum sum assured available on health insurance in Patna?

There is no maximum amount limit for health insurance policies. But the minimum sum insured should be Rs.1 lakh.

2. How much amount can I claim under my family floater plan?

Under a family floater plan, any member of the insured family can use any amount up to the amount insured. For example, if you get an Rs.20 lakh family floater plan, any family member can use any money up to the sum insured.

3. Is there a minimum age to get health insurance?

There is no minimum age to get coverage under a health insurance policy. However, to buy an individual stand-alone health policy, you need to be at least 18 years of age.

4. Do I need to undergo a medical test to get health insurance?

Most insurers don’t require medical tests up to the age of 45. But this is insurer specific and hence check with your provider before you get the policy.

5. Is there any health insurance companies in Patna that offer health insurance policies for children?

You may not get a separate health insurance policy for children but they can be covered under their parents’ health insurance policy.

6. Do health insurance firms in Patna offer plans that cover outpatient treatment costs?

Yes, most health insurance firms have started covering around 45 treatments that can be treated as outpatient treatments.

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