The state government of Punjab recently launched a health insurance scheme aimed at providing affordable medical care to its residents. The scheme, called the 5 Lakh Health Insurance Scheme, aims to provide coverage of up to Rs. 5 lakh per family per year. This article will guide you through the process of availing the benefits of the scheme.
Eligibility Criteria
To avail the benefits of the scheme, you need to check your eligibility status. The scheme is applicable to all residents of Punjab in the age group of 18 to 65 years. The family should not have any other insurance coverage, and the annual income should be less than Rs. 5 lakh.
Registration Process
To register for the scheme, you need to visit the nearest Suwidha Centre or Sewa Kendra and submit the required documents. The documents required for registration include the following:
1. Aadhaar card
2. Residence proof
3. Income proof
4. Family photograph
5. Bank account details
6. Mobile number
Once the documents are verified, the registration process will be completed, and you will receive an e-card. The e-card will contain all the details of the policy and can be used to avail of the benefits of the scheme.
Benefits of the Scheme
The 5 Lakh Health Insurance Scheme covers all expenses related to hospitalization, including room charges, doctor’s fees, surgery expenses, and medication. The scheme also covers pre-existing diseases after a waiting period of 4 years. The beneficiaries can avail of the cashless facility at empanelled hospitals.
Claim Process
In case of hospitalization, the beneficiary needs to inform the insurance company or TPA within 24 hours. The claim form needs to be filled and submitted along with the e-card and hospital bills. The insurance company or TPA will verify the documents and settle the claim within a stipulated time frame.
Conclusion
The 5 Lakh Health Insurance Scheme is a step towards ensuring affordable healthcare for all. The scheme provides comprehensive coverage and can be availed of at an affordable premium. By following the eligibility criteria and registration process, you can avail of the benefits of the scheme and secure your health and finances. So, don’t wait any longer and register for the scheme today.
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