Health Insurance Plans in Dhaurahra

Medical Insurance in Dhaurahra: Features, Benefits & Online Purchase

Did you know Dhaurahra is among the leptospirosis hotspots in Uttar Pradesh? With limited healthcare infrastructure and growing health concerns, residents face serious risks. For instance, in the case of a heart attack, treatment costs can soar up to Rs. 15 lakhs, causing immense financial strain.

In such a scenario, medical insurance is not just an option; it is a necessity to access quality care when it matters most. A medical insurance plan in Dhaurahra from Star Health can help manage such unexpected expenses with ease.

What are the features of the top best health insurance plans in Dhaurahra?

Top health insurance plans in Dhaurahra generally offer features such as cashless hospitalisation, coverage for pre- and post-hospitalisation expenses, and day-care procedures. Additionally, these health insurance plans offer unique features and additional benefits, such as:

• Non-Medical Expenses Cover : Star Health’s Star Extra Protect add-on cover provides coverage for non-medical and consumable expenses. However, it is eligible when there is an admissible claim under the base policy. Additionally, the Star Health Premier policy also covers non-medical items as per the policy’s terms. Many Star Health plans may exclude non-medical expenses, making it crucial to check the specific policy documents.
• Maternity Benefits : Maternity health insurance is a specific type of health insurance plan in Dhaurahra, which provides extensive coverage for pregnancy-related medical expenses, including delivery expenses, pre- and post-natal care, and medical tests. This is the best health insurance in Dhauraha that offers financial stability and helps women during pregnancy. Maternity insurance plans typically have a waiting period of 36 months, which depends on the insurance provider.
• No-claim Bonus : The Star Health Assure plan provides 25% of the sum insured, ranging from Rs. 5 lakh to Rs. 2 crore, as a no-claim bonus to a maximum increase of 100% in the sum insured up to 5 years. This health insurance policy includes a wellness discount of 20% on renewal premiums and no room rents for coverage of Rs. 10 lakh and above.
• Riders and Add-ons : Star Health Insurance offers a variety of riders and add-on covers to enhance the base health insurance policy limits. Riders are certain additional benefits that can be added to a base policy, such as Star Lump Sum for Cancer or Star Deductible, which offers a premium discount. Plans like Star Extra Protect also offer premium discounts that can enhance existing coverage and add new features.
• Organ Donor Expenses : The Star Family Health Optima Plan and Star Comprehensive Insurance Plan particularly offer coverage for donor expenses. These plans offer maximum coverage of up to Rs. 25 lakh and Rs. 1 crore, respectively. Additionally, these plans cover inpatient hospitalisation expenses incurred for organ transplantation from the donor to the recipient, provided the transplantation claim is approved.
• Annual Health Checkups : Several Star Health Insurance plans include annual health checkups as a benefit. Some key plans that offer this benefit are Smart Health Pro, Young Star, and the Star Comprehensive Insurance Policy. Additionally, the Super Star Plan covers health checkups, and many other plans offer preventive health checkup benefits.

Step-by-Step Guide to Buying Online Medical Insurance in Dhaurahra

In this section, we will highlight and discuss some important steps that you may follow to buy medical insurance online. These include:

1. Click the Buy option: Click on the ‘buy now’ button located on the right side of the website.
2. Enter Your Information: Provide details like your name, age, gender, and contact information.
3. Specify Insured Individuals: Indicate the individual you want to cover under the policy (yourself, family members) and their respective ages.
4. Disclose Medical History: Clearly state if there is any presence of pre-existing conditions or medical history.
5. Compare Plans: Carefully review the different plans, coverage options, network hospitals and premiums.
6. Customise Your Plan: Tailor your chosen plan by adding optional riders and add-ons to enhance coverage.
7. Make a Secure Payment: Choose your preferred payment option and complete the transaction online.
8. Receive Your Policy Documents: Once the payment is successful, you will receive your policy documents, typically via email.

If you follow the above-mentioned steps properly, you can effectively buy proper medical insurance in Dhaurahra from Star Health. Additionally, look for government schemes that some health insurance plans may include to avail modern treatments.