Health insurance in Pondicherry

Complete Guide to Buy Health Insurance Plans in Pondicherry 

Pondicherry is a union territory of India which is known for its tourism and historic significance. The city was once unconnected, but now, it is a hub for industrialists and commercial firms. Therefore, with such exposure, the city has improved commercially, but there are rising healthcare issues as well. 

Many health insurance plans in Puducherry are available to cater to their healthcare needs. However, there are specific features to look for when you are trying to opt for appropriate health insurance in Puducherry.

Types of Health Insurance in Puducherry

There are many types of health insurance plans in Pondicherry based on the coverage needs and individual medical needs. Here are the types of health insurance in Puducherry :

1. Individual Health Insurance 

This individual health insurance also called personal health insurance, enables an individual to get the insurance coverage as per their requirements rather than their whole family. Every family member needs to be insured separately below this medical insurance. 

2. Family Health Insurance

A family health insurance offers insurance coverage for the medical expenses of a person and their insured family members below this insurance. 

3. Senior-Citizen Health Insurance

Senior citizen health insurance is designed to offer financial coverage for aged people. 

4. Critical Illness Insurance

A critical health insurance policy protects against critical medical illness and treatment expenses. With this insurance, an individual can stay protected financially against serious health issues.

Why Do You Need Health Insurance in Puducherry?

Health insurance is important in Pondicherry because of increasing medical costs and the potential for unexpected illnesses or accidents. It offers financial protection against high medical bills; thus, it ensures access to quality healthcare without lowering your savings or incurring debt.

Importance of Health Insurance in Puducherry

Health insurance is important in Puducherry because of the increasing costs of medical treatment and the potential for unexpected medical emergencies. It offers a financial safety net; thus, it ensures access to quality healthcare without straining personal finances.

Benefits of Starhealth Insurance Policy in Puducherry

There are many benefits to buying Star Health Insurance. Here are the benefits of buying Star Health insurance.

• Inpatient Hospitalisation: It covers room rent, ICU charges, doctor's fees, surgery costs, and more. 
• Pre- and Post-Hospitalisation: Expenses incurred before and after hospitalisation are usually covered. 
• Daycare Treatments: Several treatments that don't need a full hospitalisation are also covered. 
• AYUSH Treatments: Offers coverage for treatments such as Ayurveda, Unani, Siddha, and Homoeopathy. 
• Critical Illnesses: Policies might cover particular critical illnesses like cancer, cardiac ailments, etc. 
• Maternity and Newborn Care: Offers coverage for delivery expenses, like C-sections, and a newborn baby's medical expenses. 
• Accidental Death and Disability: Offers financial support during accidental death or permanent disability. 
• Non-Hospitalisation Expenses: A few plans offer coverage for the OPD visits and other outpatient expenses. 
• Annual Health Check-ups: Many policies include regular health check-ups. 
• Cashless Treatment: Provides cashless treatment at different networks of hospitals. 
• No Pre-Insurance Screening: A few plans don't need pre-insurance medical screening for many individuals. 
• Unlimited Restoration: A few policies provide unlimited restoration of the sum insured. 
• Different types of plans: Star Health offers different plans to match different needs and age groups, including family floater plans and plans for senior citizens.  
• Add-on Covers: It offers add-on covers such as "Claim Guard" and "Star Extra Protect" to improve the base policy.

Factors for Choosing the Best Health Insurance Company in Pondicherry 

There are many factors that every policy buyer must check before they choose a health insurance company for themselves. Some of those factors to be considered while choosing the best health insurance companies in Pondicherry include:

1. Waiting Period 

The waiting period refers to the time period within which you cannot file a claim for some health insurance benefits. When you buy health insurance, you must check which features of health insurance are activated immediately and which features have a waiting period. So, you will know when you can get which benefits of your insurance if required.

2. Add-ons Benefit

Choose your health insurance company that offers add-ons along with health insurance with a few extra prices on premium. As with add-ons, you avail of additional protection against additional healthcareor medical emergencies.

3. Sum Insured

Ensure that the sum insured of your health insurance policy matches with your medical or healthcare coverage requirements, both actual and potential.

4. Age Limit 

In many instances, there is an age limit to buy a health insurance policy. If a person reaches an age, they will not be able to buy health insurance, and the same goes for health policy renewals, too. Thus, you ensure that you check for such conditions in your health insurance policy.  

Why You Should Buy Online Health Insurance in Pondicherry?   

There are many reasons for which you must buy online health insurance in Pondicherry.  

1. Faster Procedure

It is a quick and easy procedure to buy health insurance online. The total procedure will be entirely transparent and reduce confusion.

2. Simple Comparison

One can easily compare different health insurance plans when they buy health insurance online. They can compare their features, premium prices, etc., to choose the best insurance for themselves and their family.

3. No Health Check-up

The policy buyer must get their health check-up done before buying a policy offline. There is no such need when you buy online health insurance.

4. Paperless Procedure

There is no need for physical documents when you buy a health insurance policy online. At your email address, you will get your health insurance policy documents, which you can download and save all on your device.    

How to Buy a New Health Insurance Policy in Pondicherry from Star Health?

Here are the simple steps to buy a health insurance plan from Starhealth Insurance.

• Go to www.starhealth.in  
• Tap on ‘Buy Now’, which is seen at the top right corner.
• Fill in the necessary information requested below.
• Choose the needed Sum Insured Amount > Date of Birth > Mobile Number > Email Address > Term Period. Disclose PED(s), if there is anything present.
• Fill in the other required information.
• Then the premium amount will be calculated. Finally, tap on ‘Buy Now’ to finish payment and buy a new policy.

How to Renew a Health Insurance Policy in Pondicherry?

There are only a few steps to renew a health insurance policy in Pondicherry at the Star Health official website. 

• Go to www.starhealth.in  
• Tap on Renew from the options given.
• Type the Policy Number, and then Date of Birth.
• Just verify your health insurance policy information and make any changes if needed.
• Next, proceed with the payment.
• Finally, the updated information of the policy will be sent to the policyholder’s registered email address once the payment is completed successfully.

How to File a Reimbursement Claim?

Here are the simple steps to file a reimbursement claim.

• Go to www.starhealth.in 
• Tap Claims and then choose Claims from the drop-down list.
• Choose Claims Intimation and then choose Health Claim.
• Select Policy Type Health from the drop-down list.
• Then, type the necessary details in the Basic Info page.
• Choose Claim Type Reimbursement from the drop-down list.
• Tap Authorise and enter the OTP. Then type the Verify option.
• Type the necessary details on the Admission Info page.
• Tap Select Hospital.
• Type the pincode and select all. Then, tap the Search option.
• Choose the hospital from the hospital search list and then tap Submit.
• Tap Review & Submit.
• Next, tap Submit to get your Claim Intimation Number (or Edit to modify your details).
• Finally, a success message will be displayed with your Claim Intimation Number.

How to File a Cashless Claim?

There are only simple steps to file a Cashless Claim. Let’s discuss those steps.

• Go to www.starhealth.in 
• Choose Claims and then tap Claim Intimation.
• Choose Health Claim. 
• Select policy type Health from the drop-down list.
• Type the necessary details in the Basic Info page.
• Choose the Claim Type Cashless in the drop-down list seen.
• Tap the Authorise option.
• Type the obtained OTP and then tap the Verify option.
• Type the necessary details on the Admission Info page.
• Tap Select Hospital.
• Type the pincode and then tap Search.
• Choose the network hospital from the hospital search list and then tap Submit.
• Tap Review & Submit.
• Tap submit to avail of your Claim Intimation Number (or Edit to modify your details).
• Finally, a success message will appear with your Claim Intimation Number.

Where Can I Claim Cashless Treatment in Pondicherry?

Policyholders can get cashless medical treatment at the Star Health network hospitals. Under your medical insurance policy, you can get a cashless treatment facility at any hospital in India, even if you are not in Pondicherry.  

List of Star Health Network Hospitals in Puducherry

Here is the list of Star Health Network Hospitals in Pondicherry.