Health Insurance in Surat

As the commercial and diamond hub of Gujarat, Surat offers excellent healthcare thanks to Kiran Hospital, Dr. K C Jain (Apple Hospital) and Sunshine Global Hospital. As healthcare becomes more advanced, it also becomes more expensive. Because of this, people in Surat rely on health insurance to guard against the high costs of medical care and surprise medical emergencies.

What does Health Insurance mean?

In a health insurance plan, the insurer takes responsibility for covering the insured’s medical costs for a certain amount of money. It includes medical expenses for hospital care, surgeries, medical tests and recovery after treatment. Rising medical costs have made health insurance a must, rather than a luxury.

Why Should You Consider Getting Health Insurance in Surat?

• Inflating Healthcare Prices - A basic treatment at any hospital in Surat can cost more than ₹50,000. A proper health insurance plan helps you avoid spending your savings.
• Urban Lifestyle Changes - Urban growth, new eating habits and pollution from industry have contributed to more people getting asthma, diabetes and heart-related diseases. Chronic health problems are also included in health insurance.
• A Cashless Hospital Network - Insurance companies in Surat generally partner with leading hospitals which covers hospital expenses and makes emergencies less costly for customers.
• Family Security - All members of a family can be covered under a single family floater plan.
• Tax Savings - You can reduce your tax payment each year by claiming a deduction for the health insurance premiums you have paid under Section 80D.

Did you know?: Most insurers today offer coverage for day-care procedures, OPD visits and advanced treatments such as those using robotic technology, now widely available in Surat.

Benefits of having Health Insurance in Surat

• Quality Healthcare - Reputed hospitals offer cashless medical care.
• Pre and Post-hospitalization benefit - Support for costs before and after a hospital stay
• Free Health Checkups - Undergoing regular health check-ups for early discovery of illness
• Long term illness protection - Protect against routine health costs and long-term illnesses
• Alternative therapy - Access to AYUSH remedies
• Maternity Care - Maternity and newborn care are part of family floater plans.
• NCB & Restoration Benefit - The restoration benefit and no claim bonus (NCB) are available.

Local Insight: Be sure to check if the prominent hospitals in Surat are empanelled as network hospitals, as they are usually chosen by people living in Surat.

What Is the Right Amount of Health Insurance Coverage for You in Surat?

A personal coverage between ₹5-10 lakhs should be considered. Covering your family with a floater policy providing between ₹10 and ₹15 lakhs is widely considered to be proper insurance. Those over 60 or who have medical concerns should choose ₹20 lakh+ of protection and critical illness riders for better protection.

Health Insurance Plans Available in Surat

• Individual Health Insurance – They are designed to cover only the policyholder.
• Family Floater Health Insurance – They provide health coverage for the whole family with a single sum insured
• Senior Citizen Health Plans - Senior Citizen Health Plans are created specifically for people who are 60 years old or older.
• Critical Illness Insurance – You receive a lump sum when you are diagnosed with a serious disease
• Top-up Plans - You can take advantage buying Top-Up and Super Top-Up Plans which provide extra payment beyond the coverage limit of your base policy for a small price
• Group Health Insurance – It is the kind of plan employers make it available to their employees to ensure their general well-being.

Did you know? : Some companies give fitness rewards, discounts or allow tele-consultations as part of the wellness benefits in their policies.

Things You Should Keep in Mind Before Getting Health Insurance in Surat

• Preferred Hospital - Check that your medical insurance allows you to seek cashless treatment from your choice of preferred hospitals in Surat
• Room rent Cap - Avoid strict room rent limits when selecting your plan
• Pre-existing period – learn how much time is needed before pre-existing diseases are covered
• Sub-limits - Avoid choosing plans that have sub-limits on the diseases and treatments they cover
• High CSR - Insurance providers with a high CSR and quick claim approval are better to use.
• Daycare - Check if the day care includes the most recent therapies and diagnostic tools.

How to Use Cashless Hospitalization in Surat

1. Visit Network Hospital – Remember to visit a network hospital in Surat for any kind of medical issues
2. Submit Health Card - Hand over your health insurance card at the TPA desk.
3. Authorization - Hospital requests authorization from the insurer by sending a pre-authorization form
4. Get treated - After approval, you can start your treatment without paying in advance
5. Pay Non-covered Expenses - Deal with any costs not covered by insurance after you receive treatment

Expert Advice: Always store both kinds of copies of your policy documents and ID cards where you can access them in case of an emergency.

How to Select the Best Health Insurance Plan in Surat

• Compare and Select - There are platforms such as Fincover, that let you compare various health insurance plans.
• Lifetime Renewability - You should aim for a policy that is renewable throughout your lifetime.
• Critical Illness Cover - Ensure the plans you pick include critical illness and personal accident cover.
• Balanced Benefits - Proper balance between your premium and the benefits you receive
• Read Reviews - Go through customer experiences and their ratings to see what’s happening right now.

FAQ about Health Insurance in Surat

Is it important to have health insurance in Surat?
Yes. Increasing healthcare expenses and sicknesses caused by our lifestyle show why it is necessary.

Is it possible to purchase health insurance over the internet in Surat?
Yes, using Fincover, you can compare offers and buy right away.

Are hospitals in Surat equipped to treat patients without cash?
Yes. Many good hospitals in Surat are connected to insurer networks that allow cashless treatment.

Will I be covered if I go to a hospital outside my network?
After you finish treatment, turn in the bills and discharge summary to claim reimbursement.

Is it possible to get insurance for my parents in Surat?
Yes. Many insurance firms provide plans designed for seniors and also family floater options.

Can patients receive coverage for Ayurvedic and homeopathic treatments?
Yes. Most advanced health insurance plans cover AYUSH therapies.

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