Valve surgery: Chiranjeevi vs RGHS

Valve surgery is one of the costliest heart surgeries in India. It doesn't matter from where you are getting the treatment, and the overall expenses are so high that often people need to take medical loans to proceed further. Besides, the expenses after surgery are also quite hefty. As this is a very common surgery, you must get yourself registered with one of the government-based medical insurance schemes. 

The two most crucial insurance plans in India are RGHS and Chiranjeevi. After the central government passed circulations for these insurance schemes, people got the chance to get the right treatment they needed without worrying much about expenses and finances. However, while both these schemes have become quite popular, it can be difficult to decide which is the right option for complicated surgeries like heart valve surgeries. 

As making the decision is not easy, we have described both these schemes in the below section. With this, you can easily make a well-informed choice. 

Why do you need medical insurance for heart valve surgery?

It is not just the high costs of heart valve surgeries for which you need medical insurance. However, most people do not consider other benefits of an insurance plan, so we have listed the below section. 

1. First, the insurance plans reduce worries about arranging the finances needed to complete the surgery.

2. Most medical insurances cover treatment costs, from surgery to after-care, medicines, and so on.

3. There won't be any delay in the treatment since the money will be wired to the hospital immediately after approval.

4. Your investment in the insurance premium is much less than what you had to spend on the surgery. 

What is Chiranjeevi's insurance plan?

In 2021, Ashok Gehlot, the Chief Minister of Rajasthan, issued the Chiranjeevi insurance plan to support the medical expenses of people from the lower economic and below-poverty line sections. According to the terms and conditions, the maximum amount that one can get to meet medical expenses is INR 5 lakhs. It is applicable for government and private hospitals, provided they are affiliated with this insurance plan. 

Benefits of Chiranjeevi insurance

Thanks to the Chiranjeevi insurance plan, you can enjoy a wide range of benefits, some of which are mentioned below: 

1. The premium to be paid for this health insurance scheme is approximately INR 850 per family.

2. Apart from covering hospitalization expenses, this scheme also provides other costs. This insurance scheme will address expenses five days prior to hospitalization and 15 days after discharge.

3. One can receive treatment from most hospitals, both private and government.

4. No need to submit the cash payments at the billing center because Chiranjeevi is completely cashless.

What is RGHS?

RGHS, or Rajasthan Government Health Scheme, was launched in 2021 to help the financially weaker section with funds for their health treatments. According to this, employees appointed after 2004 can get cashless treatment up to INR 10 lakhs. On the other hand, those appointed before 2004 can enjoy unlimited outdoor treatment facilities at no expense. Apart from this, each family can spend up to INR 20,000 annually on outdoor treatments. 

Benefits of RGHS

1. This new health insurance scheme is launched to provide financial assistance to pensioners and working employees. 

2. For this, employees won't have to pay the entire EMIs. Instead, 50% of the calculated amount will be deducted from their paycheck. 

3. Every family can opt for INR 5 lakhs as financial assistance in case of major and complicated treatments, like heart valve surgery.

Conclusion 

Once you meet the eligibility criteria for these insurance plans, you won't have to worry about getting proper treatment for valve surgery. Just ensure to choose the suitable medical insurance scheme according to your requirements. and if you find any problems, you can contact Medipulse hospital TPA cell for more information.

---