Affordable Health Insurance in Chennai: Essential Coverage for Students
Living in a big city like Chennai has its perks, with good facilities and opportunities. However, the fast pace also brings pollution and health risks. Getting quality healthcare can be expensive without insurance. That’s why having a robust health plan is critical for financial safety.
This article covers Chennai’s top health insurance options and how students studying here can secure medical coverage.
Why do Chennai Residents Need Health Insurance?
Chennai is Tamil Nadu’s largest city. Therefore, it faces problems like air and noise pollution typical of crowded metro cities. Long work hours and junk food diets also affect wellness. As a result, lifestyle disorders like diabetes and heart conditions have gone up.
In addition to unpredictable illnesses, healthcare and medications come at a steep price tag in Chennai. Just staying a night at a good hospital can cost Rs 10,000-15,000. Lengthy treatments like cancer or surgery can cost several lakhs.
Health coverage ensures you get top-quality care without paying such massive bills yourself. Leading insurers like ACKO offer plans with Rs 1 crore and unlimited coverage for complete peace of mind.
Key Benefits of Buying Health Insurance Online
While public sector health plans are available in India, private insurance offers flexibility and options. You can buy health insurance in Chennai online via insurer websites and apps in minutes. This offers critical advantages:
- Lower premiums compared to offline purchase
- Compare various health plans digitally to find the best fit
- Paperless sign-up from anywhere without documentation hassles
- Easy claims processing via online/app platforms
ACKO Health Plan’s Robust Coverage
ACKO provides a Rs 1 crore health plan packed with benefits like:
- Covers hospitalisation for injuries, illnesses, and critical conditions
- 60 days pre- and 120 days post-hospitalisation expenses
- Reimburses ambulance costs up to Rs 1 crore
- Covers Ayush treatments up to policy amount
- Annual free health check-up after the age of 18 years
- Teleconsultations with top doctors also covered
Your family is protected against hefty medical bills if an emergency strikes. ACKO settles cashless claims directly with its extensive network of Chennai hospitals.
Finding the Best Student Health Insurance
Students living away from home face risks like food poisoning, sports injuries, respiratory issues, infections, and more. With hectic schedules, they may also struggle to eat and rest properly.
Getting a dedicated student health plan ensures prompt treatment without financial stress in case of illness or mishaps. When comparing the health insurance for students, check:
- The array of benefits apart from hospitalisation cover
- Mental health and dental coverage offerings
- Network hospitals near the college
- Claim settlement process and assistance
While group plans from colleges are economical, individual student policies offer more flexibility. Some even cover study interruption costs if medical issues force long breaks.
Types of Student Health Insurance Plans
There are two main variants of student health policies:
- Individual Plans: These provide customised coverage to one student who pays the premium. They can enhance protection by adding supplementary covers.
- Group Plans: Educational institutes arrange group insurance for groups of students. The premium is usually lower, but policy term lengths are fixed. Coverage levels may also be standardised.
Before buying student health plans, one must assess medical risks and needs. Comparing policy benefits and network hospital facilities is equally vital. Reading policy documents properly eliminates surprises. Choosing the right student health insurance goes a long way in securing a stress-free campus life.
Conclusion
Chennai’s pollution and lifestyle changes are escalating cases of cancer, cardiac problems, etc. With costs crossing several lakhs, health insurance is essential to safeguard savings. Online plans like ACKO’s Rs 1 crore coverage offer unmatched protection at affordable premiums. For students living away from home, tailored medical plans cushion against health crises interrupting studies. Choosing adequate health insurance mitigates vital financial risks for Chennai citizens.
Disclaimer : The above is a sponsored article and the views expressed are those of the sponsor/author and do not represent the stand and views of The Tribune editorial in any manner.
