Health insurance in Chandigarh

Navigating Health Insurance Options in Chandigarh: What to Know

As you age, your health may become more fragile, and unexpected medical emergencies can strain your finances. However, a comprehensive health insurance plan can provide a much-needed safety net, relieving the burden on your pension funds and bringing peace of mind to you and your family. 

In a city like Chandigarh, 41% of elderly citizens are afflicted with multimorbidity. More than 86.1% of people have reported having an average of two illnesses in Chandigarh. At such a critical juncture, purchasing health insurance and understanding the importance of health insurance in Chandigarh is very essential.

Importance of Health Insurance Plans in Chandigarh

Treatment costs of non-communicable diseases are quite high. You need to ensure that you have comprehensive medical insurance to get sufficient coverage. Now, finding one of the best health insurance in Chandigarh can overwhelm you. No worries, we are going to discuss the important factors of selecting the right health insurance plan :  

1. Eligibility : Checking eligibility is an important factor. Before you go ahead and select the coverage, try to find out the renewability option.
2. Waiting period : Check the waiting period of the plan and compare the same with other plans as well. This period can range from 30 days to 36 months if there is any pre-existing disease involved. 
3. Check exclusions : As per IRDAI, exclusions are not covered in the insurance policy. So, you need to read exclusions carefully to avoid claim rejection. 
4. Check the list of network hospitals : Before you make your decision to purchase any health insurance in Chandigarh, check the list of network hospitals in your area.
5. Budget : Budget is an essential factor before purchasing any insurance plan. It is better to make a plan to check how much you can afford on a monthly basis.

These are the primary factors to determine which is the best plan for you. Try to look for cashless health insurance in Chandigarh to reduce the unnecessary burden of the claim process.