Health Insurance in Odisha

Health Insurance in Odisha

Odisha, previously known as Orissa, is also the place of Lord Jagannath. This state is steeped in rich culture and heritage, and it prioritizes the well-being of its citizens. When it comes to healthcare, you will find multiple options to secure yourself financially in case of a medical emergency. In this article, you will learn the details about health insurance in Odisha.

Types of Health Insurance in Odisha

If you are in Odisha, two types of health insurance plans are available for you:

• Government-sponsored health insurance schemes
• Private health insurance plans

Let us look at them in detail.

Government-sponsored Health Insurance Schemes

The Odisha government has launched two government schemes to cater to the healthcare requirements of its citizens:

• Biju Swasthya Kalyan Yojana (BSKY)

  The plan was launched in 2018, aiming to provide cashless reimbursement coverage for hospitalization expenses. You will get coverage up to Rs 5 Lakh for families and Rs 10 Lakhs for women.

• Employees’ State Insurance (ESI)

  The government of Odisha launched this plan to give financial protection to employees working in the organized sectors with a salary below Rs 21,000 per month. It offers comprehensive medical coverage.

Expenses Covered by Health Insurance in Odisha

• Hospitalization
• Surgery
• Medical treatment
• Treatment of pre-existing conditions
• Room rent charges
• Pre and post-hospitalization
• Ambulance services
• Maternity benefits

How to Choose the Right Health Insurance Plan in Odisha?

When you are in Odisha, you need to keep a few things in mind before buying a health insurance plan:

• If you are young and healthy, you might think you don't need a health insurance plan, but getting it earlier can be beneficial as it comes with lower premiums.
• If you have any pre-existing conditions, make sure that the plan covers them.
• Calculate the premium cost carefully.
• Understand the type of coverage and then choose the best one.

Conclusion

Choosing health insurance in Odisha offers a balanced approach to both health and finance-related needs. With government schemes providing a safety net and a diverse range of private plans catering to the needs of the Odia people, you can find suitable coverage.

In case of any help, you can call IRDAI-certified health insurance experts of PolicyX.