Health Insurance in Araku Valley

What is Health Insurance in Araku Valley?

Araku Valley is a hill station in the eastern ghats of Andhra Pradesh, also known as the coffee capital of India. The infamous tribal habitat museum and coffee plantations make Araku Valley a popular tourist spot. With increasing tourism, there is a growing concern about the availability of healthcare facilities in Araku Valley.

While Araku Valley has primary health centres, it often faces a shortage of medical staff and specialised equipment. Residents of Araku Valley typically have to travel to Visakhapatnam, which is more than 100 km away. Such travel delays can become critical during such health emergencies, medically and financially.

This is where medical insurance in Araku Valley becomes crucial for the residents. This ensures that out-of-pocket expenses are minimised and that individuals have timely access to quality care. Read below to learn more about the importance of the best health insurance in Araku Valley.

The Necessity of Health Insurance in Araku Valley

In January 2024, a car fell into the Araku valley, due to which 11 travellers were injured and one was killed. In the same month, two college students died in a bike accident. Additionally, two months later, five individuals were killed in a road accident in Araku Valley, while four were injured and hospitalised.

With such accidents frequently happening in Araku Valley, along with a lack of medical facilities, the residents require a safety net to alleviate their financial burden of medical expenses. In Araku Valley, where medical needs are limited, health insurance is not an option but a necessity.

Key Benefits of Health Insurance in Araku Valley

1. Cashless Hospitalisation

Cashless hospitalisation allows policyholders to receive medical treatment at network hospitals without paying upfront costs, as the insurance company directly settles bills with the hospital.

2. Day Treatment Coverage

Day care treatment coverage pays for medical procedures that require less than 24 hours in the hospital, like cataract surgery, dialysis, chemotherapy, and minor operations in which you can go home the same day.  Day treatment coverage in most medical insurance plans in Araku Valley usually covers up to the total sum insured.

3. Coverage of Pre- and Post-Hospitalisation Charges

Pre and post-hospitalisation coverage pays for medical expenses incurred 30-60 days before hospital admission and 60-90 days after discharge. This benefit ensures that your entire treatment journey is financially protected, from hospitalisation to your complete recovery at home.

4. Ambulance Reimbursement

Ambulance coverage reimburses the cost of emergency ambulance services when you must be rushed to the hospital, typically covering road and air ambulance expenses up to a specified limit. This is crucial for people in Araku Valley, where the nearest major hospitals are several hours away, accessible only through difficult mountain roads.

5. Critical Illness Coverage

When you receive a diagnosis of a serious illness, such as cancer, heart attack, stroke, or kidney failure, the best health insurance in Araku Valley has critical illness coverage that provides a lump sum amount. This helps policyholders to focus on treatment without worrying about finances.

6. Tax Benefits

Section 80D gives tax savings up to ₹25,000 when you buy health insurance for your family. You can save an extra ₹50,000 in tax if you purchase insurance for elderly parents above 60 years. For people in Araku Valley, this means paying less income tax while protecting their family's health.

With its numerous valuable benefits, health insurance becomes an essential protection that no family should live without. Due to unforeseen health emergencies and growing medical expenses, health insurance plans in Araku Valley are now a necessity rather than a luxury.