Health Insurance in Kolkata

Types of Health Insurance in Kolkata 

Purchasing the best health insurance in Kolkata gives you the freedom to choose from the following plans:

Note: Some of the best health insurance companies in Kolkata offer customized plans tailored to your specific needs.

Benefits of Buying Health Insurance in Kolkata 

Securing medical insurance in Kolkata comes with numerous benefits. Some of the top ones are mentioned below : 

Financial Safety Net 

Health insurance in Kolkata would act as a financial safety net against medical emergencies arising due to accidental injuries, lifestyle diseases and even life-threatening illnesses like cancer, stroke and kidney failure. 

Mental Satisfaction 

Medical emergencies can be very costly for middle-class families, especially if they’re the sole breadwinners. During uncertain times, a health insurance policy can give them peace of mind that their pre- and post-hospitalisation and in-patient care will be taken care of. 

Tax Benefits 

Under section 80D of the Income Tax Act, you are eligible for receiving tax deductions on premiums paid for the health insurance policies. 

What is Covered under Care Health Insurance in Kolkata?

Our medical insurance policy in Kolkata covers the following aspects: 

• Ambulance Charges
• Day Care Treatments
• Annual Health Check-up
• Coronavirus Treatment
• Domiciliary Hospitalisation
• Advanced Medical Treatment
• In-patient Hospitalisation
• 60-Day Pre and 180-Day Post-Hospitalisation

What is Not Covered in the Care Health Insurance Plan in Kolkata? 

Here are some permanent exclusions under our medical insurance in Kolkata:

• Sexually Transmitted Diseases (STDs)
• Cosmetic Surgery 
• Self-Inflicted Injury
• Naturopathy Treatment
• Congenital Diseases (Birth Defects)
• War, riots or nuclear weapon-induced hospitalisation
• Maternity-related expenses 

How Much Health Insurance Coverage Do You Need in Kolkata? 

Deciding the amount of coverage you would need in Kolkata depends on numerous factors, including your personal healthcare needs, pre-existing conditions in your family, rising medical costs in Kolkata, the number of dependents in the family and hospitalisation expenses. 

Considering all these factors, you must opt for a health insurance policy of Rs 10 or more for individual coverage, whereas Rs 30 lakhs or more would suffice for family coverage. 

Why Choose Care Health Insurance? 

Before you decide to purchase medical insurance in Kolkata, ensure that you have fair clarity about your insurance needs so that you opt for a plan that aligns with them. At Care Health Insurance, we offer customised plans to meet your healthcare goals. Here are the top reasons to choose us; 

• Quality Healthcare at Top Network Hospitals: With a vast network of over 21600+ healthcare providers, we provide high-quality treatment without the financial burden.
• Extensive Healthcare Coverage: Our coverage includes a wide range of benefits such as pre and post-hospitalization costs, in-patient care, day care treatments, road ambulance services, organ donor coverage, and more.
• 48 Lakhs+ Claims Settled: With a decent record of settling the highest number of claims across cities, we intend to provide the same assistance to Kolkata residents. Despite the type of hospitalisation involved, we ensure a seamless claim settlement process. 
• Additional Benefits: You can also select from various add-ons tailored to your needs, including Smart Select, Instant Cover, Room Rent Flexibility, Newborn Coverage, Annual Health Check-ups, PED Wait Period Modification, and more.
• Rewards and Bonus: Cumulative bonus, Cumulative bonus super, no claim bonus, wellness benefits, loyalty booster, etc. 

Reasons to Buy Online Health Insurance in Kolkata

Purchasing medical insurance in Kolkata offline involves tedious paperwork and physically visiting the office. Buying an online health insurance in the city mitigates this and also offers numerous benefits, including;  

• Easy Comparison: Online purchase of a health insurance policy allows you to analyse the coverage, premium and the benefits that come with different plans. This way, you get to choose the one that suits your healthcare needs. 
• Quick Policy Renewal: For renewing your health insurance in Kolkata, you wouldn’t have to stand in long queues. Through just some clicks, you can renew your policy at the comfort of your home. 
• 24/7 Availability: Unlike traditional methods where you’re supposed to visit the branch during office hours, online portals are accessible round the clock, ensuring that your issues are quickly resolved. 

Tips to Find the Best Health Insurance Company in Kolkata

Finding the best health insurance company in Kolkata might seem like a tedious task. However, following these steps would make your journey smoother and rewarding : 

• Evaluate Your Insurance Needs: Before purchasing health insurance in Kolkata, consider certain factors including your age, pre-existing conditions in the family and medical history. This further helps you in choosing the plan that matches your requirements and long-term health goals. 
• CSR Rate: CSR stands for claim settlement ratio. Some of the best health insurance companies in Kolkata have a CSR rate of 90%, indicating the credibility they offer. Thereby, ensure that you invest in a company with a high CSR to ensure a smooth and reliable claim process. 
• Sum Insured: Given the rising medical expenses in Kolkata, ensure that you choose a plan that offers adequate coverage. 
• Network Hospitals: Before purchasing a health insurance policy, ensure that you check the list of network hospitals associated with the insurer. This lets you receive quality treatment without the need for upfront payments. 
• Coverage for Critical Illnesses: Treatment of critical illness can be highly expensive. Therefore, a wise approach would be to purchase a plan offering critical illness coverage. 
• Calculate the premium: Compare health insurance plans from various insurers to find one with a reasonable premium and adequate benefits. Use an online premium calculator to estimate the premium and select the plan that best suits your needs.
• Waiting Period: Evaluate the waiting periods of each health insurance plan and select the one with the shortest duration. This will ensure you're covered in case of emergencies.
• Know Exclusions: Exclusions refer to certain medical conditions and treatments that your health insurance policy does not cover. Being aware of these can help prevent unexpected issues during claim settlements.

Claim Process for Health Insurance in Kolkata

The claim process varies for health insurance companies in Kolkata. At Care Health Insurance, we ensure a seamless process of claim filings for both cashless and reimbursement claims. Here are the steps for each; 

Cashless Claim 

Step 1: Go to the nearest network hospital.

Step 2: Complete the pre-authorization form at the hospital’s TPA desk and forward it to our claims team.

Step 3:  Submit the necessary documents along with the claim form.

Step 4: Our claim team will thoroughly go through your pre-authorization form and the submitted documents.

Step 5: After verification, we will send you the approval letter for cashless treatment.

Reimbursement Claim 

Step 1: Inform us when you get admitted to a non-network hospital. 

Step 2: During the time of discharge, pay the bills upfront and gather all the necessary documents.

Step 3: After discharge, submit a reimbursement claim along with the collected documents. 

Step 4: Once we verify the documents, we’ll send you the approval letter for reimbursement. The amount will get reimbursed in your bank account. 

How to Renew Your Health Insurance Policy in Kolkata? 

At Care Health Insurance, we’ve made the policy renewal process a simple task. So, every time you wish to renew your health insurance in Kolkata, here are the steps you can follow; 

Step 1: Visit the official website 

Step 2: Click on the renew tab located at the top right corner, you’ll be directed to a new page.

Step 3: Check the accuracy of your policy details including your premium amount.

Step 4: Move to the payment section and complete the policy renewal process using a secure payment method.

Note: Once you receive the renewal confirmation, you can continue enjoying the benefits of your insurance policy. Also, you have the option to switch to a more suitable plan during the renewal process.