Investing in a health insurance policy will always be beneficial, now or in the future. The cost of healthcare services has been gradually rising, with time. In order to receive good treatment in a private hospital, one will be required to spend a hefty amount. It is thus advisable to purchase a health insurance policy so that an individual is provided help to pay the hospital bills. And to this end, all it takes is the payment of regular premiums.
In the city of Patna, several health care facilities can be found - government hospitals, private hospitals, ayurvedic hospitals, acupressure clinics, health & fitness centres, and so on. The hospitals have specialised equipment to conduct major treatments and surgeries and well-equipped blood banks to provide blood to patients in need. Also, Patna is slowly introducing new therapies such as Ayurveda, Homeopathy, Naturopathy, etc., to the citizens living in and around Patna. The city also has a good number of pharmaceutical stores, laboratories, and X-ray clinics.
Many developed nations have made it mandatory for its citizens to have health insurance in order to receive medical treatments. However, in India, the citizens can choose whether they want health insurance or not. The change in lifestyle, pollution, improper food habits, etc., cause many serious illnesses. Added to this is the rising population in the country. Many diseases are transferred from one person to another which sometimes eventually results in epidemics. Also, the country does not have the best sanitation facilities or housing facilities for the poor. People from such regions are most likely to be diagnosed with various diseases. It is hence best for every individual to consider purchasing a health insurance policy.
Many insurance companies in Patna offer health insurance plans. Here are a few companies:
IFFCO Tokio General Insurance was set up in the year 2000 and is a partnership between the Indian Farmers Fertilizer Co-operative (IFFCO) and Tokio Marine & Nichido Fire Group, a leading insurance company in Japan. IFFCO Tokio is present pan-India and offers a range of insurance products like health insurance, home insurance, business insurance, micro & rural insurance, etc. Under the health insurance category, the company offers a variety of plans such as individual plans, family plans, critical illness plans, personal accident plans, and so on. The insurer also has tie-ups with certain hospitals across the country, some such hospitals in the city of Patna are Aastha Lok Hospital Pvt. Ltd., Hi-Tech Emergency Hospital, Jagdish Memorial Hospital, Satyam Hospital, Sri Ram Hospital, etc.
HDFC Ergo General Insurance Co. Ltd. is the conglomerate of HDFC Ltd., a popular bank in India, and ERGO International AG, the insurance body of Munich Re. Munich Re Group is a leading reinsurance company based in Germany. The 108 branches of HDFC Ergo are scattered in 91 cities of India. Out of the many insurance products offered, health insurance is one. Many special health plans for individuals, families, parents, and senior citizens are offered by the company. Also, the company has partnered with many hospitals, some of which in Patna are Apollo Trauma Centre, Dr. Ruban Memorial Hospital, Fortis Medi Emergency Hospital Pvt. Ltd., Jagadish Memorial Hospital, Manokamna Health Care, etc.
Future Generali Total Insurance Solutions is a joint venture between Future Group and Generali Group. Future Group is a popular retailer in India and Generali Group is an insurance company based in Italy. With over 125 branches scattered across the country, the company has sold 82 lakh policies in total. The insurance company offers several insurance products like motor insurance, lifestyle insurance, commercial insurance, social/rural insurance, etc. An array of health insurance plans with varying benefits are also offered by the company. Additionally, the company also has a network of hospitals that include hospitals like Sahyog, Arvind Hospital Pvt. Ltd., Dr. Bimal Hospital and Research Centre Pvt. Ltd., Siddhi Hospital, etc., in Patna.
Kotak Mahindra General Insurance is a subsidiary of Kotak Mahindra Bank Ltd., a leading banking institution in India. The company had 13 branches pan-India as on 31 December 2017. The company currently offers 3 insurance products – car insurance, two-wheeler insurance, and health insurance. Under the health insurance category, the insurer offers various plans, for individuals and families, with unique features. The company has also partnered with certain hospitals including A.B. Eye Institute, Banka Eye Hospital and Dental Care Centre, Drishti Eye Care and Research Centre, Shri Sai Hospital, Ruban Memorial Hospital, etc., in Patna.
Tata AIG General Insurance Co. Ltd. is a partnership between Tata Group and American International Group (AIG). The company started its operations in the year 2016 and has over 152 branches in the country. The major insurance products that the insurer offers are travel insurance, motor insurance, home insurance, and health insurance. Several plans are available under the health insurance section of the company, including a special plan designed for women. The list of network hospitals of the company includes Arohi Hospital, Ishwar Dayal Memorial Hospital Pvt. Ltd., Magadh Hospital, Netra Nidan Eye Hospital & Research Centre, Paras HMRI Hospital, etc.
Each health insurance company offers unique plans with varying features and benefits. They also have tie-ups with certain hospitals as mentioned above. The benefit of availing treatments in a network hospital is that the insurance company will directly pay for the hospital bill on being notified of hospitalisation. Alternatively, the insured individuals can also opt for the reimbursement option of claim settlement wherein the person is required to pay for the hospital bill and later submit the bills, receipts, prescriptions, reports, and other such relevant documents for reimbursement of the amount.
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