Health Insurance Plans in Udalguri

Udalguri’s Healthcare Challenges and Insurance Solutions

With key rivers Dhansiri, Barnadi, and Noa-Dihing flowing through it, Udalguri is a district in the north-eastern part of Assam, bordering Bhutan. Although it is renowned for its immense cultural richness, Udalguri still lags in infrastructural and healthcare development.
 

In this context, it is crucial to get insured under a well-chosen medical insurance in Udalguri to ensure access to quality healthcare facilities during times of medical emergencies.

Why Do People Need Health Insurance in Udalguri?

With a shortage of specialised doctors and trained nurses, poor transport facilities, and overburdened hospitals, Udalguri faces several challenges in accessing quality healthcare. There is only one government district hospital, which falls short of providing proper treatment to the population due to a lack of human resources.

Last year, on May 13, 2024, a family of four lost their lives in a car crash where the vehicle lost control due to improperly built bridges and hit a bridge pillar on the Udalguri-Tamalpur road. The poor design of the bridge creates bottlenecks, resulting in unexpected chokepoints and causing accidents.

Situations like this remind us of the importance of having a health insurance plan in Udalguri, as medical emergencies can quickly exhaust household savings, placing financial stress on family members.

What are the Key Benefits of Health Insurance in Udalguri?

Go through the following section to learn about the key benefits of the best health insurance in Udalguri:

1. Coverage for Pre-Existing Health Conditions

Health insurance plans in Udalguri offer coverage against pre-existing health issues, including costs for hospitalisation, diagnostic tests, and treatment. Pre-existing conditions should be fully disclosed at the time of buying the policy to avoid the chances of claim rejection.

2. Domiciliary Hospitalisation

Domiciliary hospitalisation refers to the situation where the insured is treated at home due to medical reasons or inadequacy of hospital beds. Health insurance plans in Udalguri offer coverage against domiciliary hospitalisation, ensuring quality treatment even in a home setting.

3. Tax Savings

By getting insured under health insurance plans in Udalguri, the insured individual can claim deductions on the premiums paid under Section 80D of the Income Tax Act. One can claim up to ₹25,000 for themselves and their family, and the deduction may be increased to ₹50,000 in cases of senior citizens.

4. Lifetime Renewability

Lifetime renewability in health insurance plans is a crucial feature that ensures continuous coverage, particularly for senior citizens who are approaching the threshold of facing health issues. The best health insurance in Udalguri offers lifelong renewal of the health insurance plan with no upper age limit.

5. Organ Transplant Coverage

Organ transplant is an expensive procedure for the recipient as well as the donor, for which the expenses are covered under medical insurance in Udalguri. They provide coverage from pre-hospitalisation screening tests to post-hospitalisation follow-up check-ups, alleviating the financial burden on the family.

6. Preventive Healthcare Programmes

Health insurance plans in Udalguri conduct preventive healthcare programmes that focus on preventing the onset of disease rather than treating it. These programmes include free annual health check-ups, wellness programmes, lifestyle counselling and health risk assessments.

Udalguri exhibits remarkable progress in sustainable development, but it still needs to strengthen its healthcare sector to ensure high-quality treatment for its residents. Hence, opting for the best health insurance in Udalguri provides financial protection during a medical crisis, keeping you worry-free.