Health Insurance in Kolkata
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Health Insurance in Kolkata
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Searching for the Best Health Insurance Plans in Kolkata

Kolkata, often known as the "City of Joy", is experiencing a surge in economic activity. This progress however brings with it a rising demand for quality healthcare. As the cost of medical is steadily rising, health insurance plans have become a necessity if you are staying in Kolkata.

Let us understand this:

Imagine, you are enjoying a delicious puchka on Kolkata Street. Suddenly, a wave of nausea hits. What if this turns into a more serious medical situation? The last thing you would want to worry about is daunting hospital bills. But health insurance in Kolkata can be your financial saviour in such scenarios.

Expenses Covered by Health Insurance Plans in Kolkata

  • Hospitalisation
  • Surgery
  • Any medical treatment
  • Treatment of pre-existing conditions
  • Room rent charges
  • Pre and post hospitalisation
  • Critical illnesses
  • Ambulance services
  • Maternity benefits
  • Daycare procedures

How to Choose the Right Health Insurance Plans in Kolkata?

Being in Kolkata, and buying health insurance? You need to keep a few things in mind:

  • If you are young and healthy, then your premiums will be comparatively low."
  • The health insurance plan covers pre-existing diseases. Check for it, if you going through any health condition.
  • Choose the right plan with accurate premiums as per your budget.
  • Consider the type of coverage you need.

Bottom Line

Kolkata is a vibrant city and its colors are loved by everyone. Modern medical care has brought a new way of living life to the fullest. But to afford this modern medical treatment, you need health insurance in Kolkata. A perfect health insurance plan will give you all you want and more!

Best Health Insurance Plans in kolkata

Considering the facts, here are some of the best plans to consider in kolkata:

Comprehensive

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Senior First (Pros)

  • 3 Variant Available
  • No pre-issuance medical tests
  • Day 1 Health Check-up
  • Safeguard (Add-on)
  • Day Care Treatment

NivaBupa Senior First (Cons)

  • No Critical Illness Cover
  • 50% Co-payment
  • No Specific Diseases Covered
  • No Pre-existing Disease Cover
  • Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

  • ReAssure Benefit
  • Domiciliary Hospitalization
  • Organ Donor Benefit
  • Ayush Benefit
  • Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

Comprehensive

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Comprehensive

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

Health Insurance Companies

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Health Insurance in Kolkata: FAQs

1. What are the different types of health insurance plans available in Kolkata?

You can choose from various health insurance plans, like individual plans, family floater plans, critical illness plans, senior citizens plans and top-up plans.

2. What is a network hospital, and why it is important?

Network hospital is a healthcare facility that has a tie-up with your health insurance company. You can avail of cashless treatment in the network hospital.

3. What are some of the pre-existing conditions covered by health insurance plans in Kolkata?

Some of the pre-existing diseases that are covered in health insurance are diabetes, hypertension, thyroid, and much more. However, you need to serve a waiting period, which varies from plan to plan.

4. Where can I compare and buy health insurance plans in Kolkata?

You can compare and buy different health insurance plans at PolicyX.com.

Health Insurer Network Hospitals

Life Insurance

More Queries?

To know about the best health insurance plans in Kolkata, network hospitals available, or have any other insurance-related query, call our advisors at 1800-4200-269!

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Simran saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.