Health Insurance in Patna 

 Health Insurance in Patna

 
Patna, one of India's oldest cities, is recognized for its excellence in archaeological sites, temples, competitive exam preparations, and more. With the best healthcare facilities, it serves as a centre for cultural, political, and commercial activities. 

Healthcare in a city like Patna is expensive because quality healthcare doesn't come cheap. Although Patna is not a metropolis like Delhi and Mumbai, it has many small and medium enterprises, educational centres, and healthcare institutions. As a result, many people from different parts of the country come to Patna to work or study.

The demand for quality healthcare facilities is rising, and new hospitals must be built. 
Since Bihar and Chhattisgarh are among the most backward states in India, the need for low-cost health care is even more pressing. This means that government hospitals with state-of-the-art technology, the best doctors, and the non-medical staff must provide the best services at affordable prices.

 
Need for Health Insurance in Patna

Patna boasts exceptional healthcare facilities, which is particularly advantageous given the current prevalence of diseases worldwide. While Patna offers commendable medical services, the expenses associated with treatment can quickly deplete one's savings. Consequently, obtaining health insurance in Patna is of paramount importance. 

Health insurance provides financial security against the exorbitant costs of medical treatment. The coverage guarantees access to the city's finest medical facilities without the added expense burden. 

In terms of health insurance, Star Health Insurance in Patna comprehends your requirements better than anyone else. With round-the-clock customer service and an extensive network of cashless hospitals in Patna, Star Health is at your service anytime.

Being one of the developing cities of Bihar, people face several illnesses, and senior citizens are prone to water and air-borne diseases. Hence, the need for a health insurance plan is highly essential to combat this kind of illness.

Star Health Insurance offers city-specific policies in Patna that protect you against medical emergencies. 

Here are some of the tips to consider before opting for the right health insurance in Patna:

1. Budget creation

While there are many options to choose health insurance plans, it is better to make a budget on the rate of investment in insurance premiums. So, opt for a cost-effective strategy that can give you maximum coverage with less financial burden.

2. Network hospitals check

One should have a basic idea of the cashless network hospitals available for treatment facilities.

3. Premium calculation

With the help of a health insurance calculator, it is essential to compare the premiums of various medical insurance plans in Patna. Choose the one that best suits your medical requirements and maximizes benefits.

4. Maximum coverage

Ensure the health insurance policy plan covers pre and post-hospitalization expenses, medication and add-on covers, diagnosis expenditures, and in-patient hospital care.

5. Check exclusions and eligibility

Go through the exclusion list for a hassle-free claim settlement process and age criteria with lifelong renewability options.

6. Waiting period

A waiting period is the designated duration during which the policy becomes eligible for payment. Knowing about the waiting period is advisable for you to plan things accordingly.

 
WHY SHOULD YOU CHOOSE STAR AS YOUR HEALTH INSURANCE PARTNER IN PATNA?

We offer a wide range of comprehensive policies such as individual health plans, family health insurance plans, group health insurance, and much more that cater to the diverse needs of our customers.

Taking into consideration the population of Patna and the healthcare requirements of the city, Star Health Insurance has established a network of cashless hospitals in the town. 

By opting for a reputable health insurance policy in India, such as the Star health insurance policy, individuals can conveniently purchase medical insurance online while gaining access to our cashless benefits during medical emergencies. 

Under our health insurance coverage, individuals seeking medical treatment, whether planned or in emergencies, at our network hospitals in Patna can easily avail themselves of cashless hospitalization. 

This implies that individuals can receive treatment at any of our network hospitals in the city without making immediate payments, as we will handle the settlement of their medical bills directly with the hospital. 

With cashless hospitalization, individuals can prioritize their health without the burden of financial obligations for their treatment as we take care of the claim settlement process. 

Consequently, investing in a health insurance plan in Patna at Star Health is advisable.

 
Benefits of Star Health Insurance

The benefits associated with buying Star Health Insurance plans are listed below: 

• The products offered by Star Health Insurance are centred around the needs of a diverse range of individuals and are designed with the customers in mind. 
• The company actively promotes a healthy lifestyle through innovative wellness programs. 
• It is worth noting that an impressive 89.9% of cashless claims made within Star Health Insurance's extensive network of hospitals across India are settled within two hours. Furthermore, 92% of reimbursement claims are settled within a week. 
• This efficient claim-settling process is facilitated by the company's in-house claim team rather than relying on Third-Party Administration (TPA). Additionally, Star Health Insurance has a dedicated internal team of doctors who work diligently to process and expedite health insurance plan claims. 
• In addition to these services, Star Health Insurance offers free telemedicine services to all customers. The company has developed a specialized app called Talk to Star App to facilitate this. This app is specifically designed to provide easy access to telemedicine services. 
• Star Health Insurance also provides access to a vast network of 1,635 diagnostic centres throughout India. Additionally, the company offers the convenience of health check-ups at home and home pickup of lab samples. Medicines can be purchased at lower prices online, with store pickup or home delivery available in 2,780 cities nationwide.
• Star Health Insurance has partnered with hospitals offering affordable surgical and medical services. The company also offers wellness programs that motivate participants to stay fit by earning rewards, which can be redeemed for renewal discounts.

CASHLESS TREATMENT AT STAR HEALTH IN PATNA

Star Health Insurance provides multiple health insurance plans to meet the diverse necessities of our policyholders. 
With a network of over 13,000 hospitals, including 45 Star Network Hospitals in Patna, policyholders have access to cashless treatments. This eliminates the need to worry about finding a suitable hospital at the last minute. If you wish to receive treatment at a cashless network hospital of Star, you can visit any of the 45 hospitals in Patna. 

By choosing a network hospital, you can be relieved of concerns regarding high hospital bills, as Star Health Insurance will handle the expenses. This lets you focus on your treatment without worrying about completing hospital formalities. 
You can locate your nearest Star Health network hospital on the website. Select the city on the Star Health Cashless Hospitals Page, and you will be provided with a comprehensive list of hospitals, complete with addresses and directions.

 
How to Buy an Online Star Health Insurance Plan? 

Here are a few steps to buy a Star Health Insurance plan online: 

Step 1: Visit the Star Health Insurance website 
Step 2: Click on the 'Buy Now button
Step 3: Enter all the requested information
Step 4: Select an insurance plan as per your requirements
Step 5: Pay the premium, and you will receive the policy documents at your registered email address

 
Documents Required For Cashless Claim

Here is a list of documents that one should provide to file a cashless claim with Star Health Insurance: 

• Health card 
• Discharge Summary
• Pharmacy invoices with prescriptions 
• Doctor's consultation sheets
• Investigation reports (includes blood reports, X-rays, and scans)
• KYC documents (for claims more than 1 lakh)
• Medico-Legal Certificate (MLC) and or FIR copy in the event of an accident 
   

For Reimbursement Claim

The documents required for a reimbursement claim settlement process are as follows: 

• Health card 
• Completed claim form 
• Discharge summary 
• Pharmacy invoices and prescriptions 
• Doctor's consultation documents 
• Pre-admission investigations with reports 
• Hospital receipts 
• KYC documents 
• NEFT information, email address, and contact information
• Medico-Legal Certificate (MLC) and or FIR copy in the event of an accident
   
   

Star Health Insurance Premium Calculation

The factors considered by Star Health Insurance to calculate premiums are as follows: 

1. Age of the policyholder

As a person ages, medical illness can be diagnosed, and the insurance provider can be at higher risk in any given circumstance. As a result, the payable premiums also increase.  

2. Pre-existing health conditions

Since individuals face problems nowadays, pre-existing medical conditions will increase insurance amounts. The degree of your illness severity will be considered for the decision-making process.

3. Sum Insured

The choice of policy amount you choose has a direct impact on the amount of premium you pay. The higher the sum insured, the more the premium payable. However, selecting a high sum insured sometimes entitles you to lower premiums. 

 
4. Policy Term

You will be eligible for premium discounts if you choose a multi-year Star Health insurance plan. However, if you decide on long-term coverage, you must pay the entire premium in one go and may be entitled to a premium discount. So, your premium will be based on how long your coverage lasts.

5. Number of Members

The premium amount of a policy increases as more members join. However, some health insurance policies offer discounts when new members join.