Health Insurance Plans in Kokrajhar

What is Health Insurance in Kokrajhar?

Kokrajhar, situated in a lush natural setting, is characterised by dense forest areas and is home to various tribal groups. With an increase in population, the healthcare demands of the people have also risen over time.

Therefore, medical insurance in Kokrajhar has become increasingly important over time, as it helps ensure that people can access quality healthcare services without any financial setback. Let’s understand why choosing the best health insurance in Kokrajhar is an important financial decision.

The Necessity of Health Insurance in Kokrajhar

Kokrajhar has faced several health challenges in recent years. Due to poor sanitation and accumulation of water in the rainy season, the city has experienced a surge in vector-borne diseases.

Recently, Assam has faced a severe malaria outbreak, and Kokrajhar has reported the highest number of cases. Other vector-borne diseases, such as Japanese Encephalitis, are also prevalent in Kokrajhar.

Key Benefits of Health Insurance in Kokrajhar

The key benefits of investing in health insurance plans in Kokrajhar include:

1. Personalised Plans

Leading insurance companies offer a range of options with plans tailored to each age group and health issues. If you have any pre-existing health conditions, then you can customise your health insurance plan by adding appropriate riders. If you only want coverage for critical illnesses, such as cancer, you can also opt for disease-specific plans.

2. Cashless Hospitalisation

Most health insurance providers offer cashless hospitalisation services at their network hospitals in India.  

3. Digital Convenience

With the emergence of digital platforms, you can now search, identify, and compare plans seamlessly in a single interface. Insurance companies offer online services such as policy purchasing, renewal, e-card downloading, and claim filing through their websites and apps, which saves a significant amount of time and effort.

4. Comprehensive Coverage

Reputable insurance providers offer comprehensive coverage for medical claims, including hospitalisation, diagnostic tests, ICU (intensive care unit) charges, medicines, and even AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy). Some plans also cover donor expenses in the event of an organ transplant.

5. Preventive Health Checks

Top health insurance plans often include free annual health check-ups to help ensure the early detection of potential health issues. These check-ups typically include tests for diabetes, liver and kidney function, and cholesterol levels.

By identifying risks early, policyholders can take timely action, which helps reduce long-term medical expenses.   

6. Pre- and Post-Hospitalisation Cover

Most insurance plans in Kokrajhar offer extensive coverage for pre- and post-hospitalisation costs, helping people access quality healthcare facilities with ease.  

7. Tax Benefits

Premiums paid for health insurance policies can be deducted from your taxable income under Section 80D of the Income Tax Act. One can avail tax savings of up to ₹25,000 per year for individual and family plans, while senior citizens can receive up to ₹50,000 per year. Hence, health insurance can be a great investment that protects both health and finances.

Kokrajhar, being the administrative district in the Bodoland Territorial Region of Assam, has an ever-increasing demand for healthcare services. In such a scenario, it would be a good decision to invest in reliable health insurance plans in Kokrajhar to protect your health as well as your finances.