Health Insurance in Kolkata

Protection from Lifestyle Diseases

Kolkata residents grapple with various lifestyle conditions, such as diabetes, hypertension and cardiovascular diseases due to their sedentary lifestyles and unhealthy diets. Health insurance covers not only the medical treatment and hospitalisation due to lifestyle diseases, but also helps combat them at an early stage through health checkups.

Covers Medical Emergencies

Kolkata’s high air pollution, poor sanitary conditions, limited resources and seasonal illnesses create high risks for serious medical emergencies. An accident or a sudden illness can have massive financial consequences. Having medical insurance in Kolkata helps to pay for hospitalisation costs, including the cost of medicines, surgeries, ICU charges and ambulance services.

Ensures Financial Protection

The cost of hospitalisation is exorbitant and catastrophic for the financial health of an average Indian family. Even a single instance of hospitalisation can cost many lakhs of rupees and can completely deplete decades of savings. Medical insurance is an essential risk protection tool that safeguards your finances and prevents you from falling into a debt burden.

Helps Deal with Healthcare Inflation

Medical inflation, i.e., the rise in price of medicines and treatments, is increasing at an alarming pace across the country, driven by higher demand and modernisation. While hospital bills are already high, the costs will increase even more in the future. Currently, the medical inflation rate in India is at 12-15% per year, making health insurance necessary.

Affordable Coverage at an Older Age

As you age, your risk of contracting diseases increases, making it harder to get health insurance coverage. By getting an affordable health insurance plan at an early age, you can get cheaper premiums and benefits like No Claim Bonus. By locking in lower rates, you can avoid the high costs and difficulties of buying a new health insurance plan at an older age.

Affordable Premiums with Discounts

At TATA AIG, we offer high-value health insurance plans at affordable prices. You can get comprehensive coverage with plans starting at just ₹15/day and avail extensive discounts upon renewals. Our discounts are based on the policy tenure (up to 10%) and the number of family members (up to 32%).

Substantial and Rising Coverage

The best mediclaim in Kolkata offers substantial coverage of up to ₹3 crores, enough to cover any treatment at the most expensive medical institutions. We also offer numerous coverage options, including hospitalisation costs, daycare procedures, alternative treatments, overseas treatments, and more.

Daycare Treatments

Other than hospitalisation expenses, TATA AIG also covers relatively minor injuries via our daycare hospitalisation facility. We cover more than 540 daycare procedures, such as tonsil removal and cataract removal, which do not require a 24-hour hospitalisation for treatment.

Preventive Health Checkups

Many of our mediclaim policies in Kolkata include annual health checkups that allow you to monitor your health and catch potential diseases at an early stage. Depending on the plan, we offer a certain amount of the sum insured to get comprehensive health checkups, consultations and vaccinations to prevent health issues.

Tax Savings

You can save taxes by paying insurance premiums under Section 80D of the Income Tax Act, available under the old regime. With it, you can save up to ₹1 lakh in total in a financial year by paying premiums to cover yourself, your spouse, children, and parents. Now you also get 0% GST on health insurance premiums.

Individual Health Insurance

TATA AIG's Individual Health Insurance is the perfect personal shield for the best sole coverage. It provides a single sum insured up to ₹3 crores* and coverage options tailored specifically to your health needs. Our individual plans cover pre- and post-hospitalisation costs, high-end diagnostics, global coverage, critical illnesses, and more.

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Critical Illness Health Insurance

It’s the best health insurance in Kolkata to cover the treatment costs of life-threatening diseases like cancer, kidney failure, heart attack or stroke. It provides a lump-sum payout upon diagnosis of up to 100 critical illnesses, covering all treatment-related expenses without any restrictions. It also offers benefits such as daily hospital cash and coverage for multiple claims.

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Senior Citizen Health Insurance

Our Senior Citizen Plan is designed to meet the unique health needs of elderly residents of Kolkata above 61 years. It provides specialised coverage up to ₹25 lakhs* for treatments, preventive health checkups, home physiotherapy, nursing services, compassionate care services, critical insurance, and other age-related benefits.

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Family Health Insurance

TATA AIG’s Health Insurance Plan for Family provides a cost-effective way to insure up to 7 family members via a single policy. With it, you can cover your entire family, including your spouse, children, and parents, with a sum insured amount of up to ₹3 crores*. As the best mediclaim policy in Kolkata for families, it offers lifelong renewability, no pre-policy checkups, global cover and attractive discounts.

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Super Top-Up Health Insurance

Our Super Top-Up Plan provides an extra layer of protection over your base health insurance plan, helping you when your regular plan doesn’t cover the full treatment costs. It offers a pocket-friendly way to increase your insurance coverage without having to buy the most expensive insurance plan.

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Arogya Sanjeevani Plan

The Arogya Sanjeevani is a basic and easy-to-understand health insurance plan perfect for those looking for the most affordable coverage. It covers hospitalisation costs and other essential medical expenses of up to ₹10 lakhs*. TATA AIG’s Arogya Sanjeevani Plan offers additional benefits like lifelong renewability, cumulative bonus, and a family floater option.

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• TATA AIG Health Insurance Plans	Features & Benefits
  TATA AIG Medicare Select	Inpatient hospitalisation expenses Pre-hospitalisation cover up to 60 days and post-hospitalisation cover up to 90 days Daycare treatment for certain procedures Domiciliary hospitalisation over three days One full automatic restoration per policy year Ambulance charges up to ₹3000 per hospitalisation Preventive health checkup up to 1% of the sum insured or ₹10,000 Coverage of AYUSH medical treatments Global Cover, Consumables Benefit, Vaccination Cover and other benefits
  TATA AIG MediCare Select	Inpatient care for medically necessary treatments Pre-hospitalisation cover up to 90 days and post-hospitalisation cover up to 90 days Coverage of daycare treatments, AYUSH treatments and domiciliary hospitalisation Organ donor harvesting expenses An unlimited number of automatic restorations under Restore Infinity Plus, subject to conditions Daily cash allowance for twin-sharing and multi-sharing hospital rooms Ambulance cover within 50 kilometres of residence and the nearest hospital Customisation options, such as Consumables Benefit, Maternity Care, Infinite Advantage, and other add-ons
  TATA AIG MediCare Premier	Inpatient hospitalisation expenses Pre-hospitalisation cover up to 90 days and post-hospitalisation cover up to 200 days Up to 15 physiotherapy sessions at home for a sum insured of ₹75 lakhs and above Coverage of daycare procedures and domiciliary treatments Global medical expense cover for planned hospitalisations Maternity cover after three years of continuous policy coverage Automatic restoration once a policy year if the base coverage is insufficient Ambulance cover up to ₹30,000 per hospitalisation, based on the chosen sum insured Preventive health checkups up to ₹25,000 per hospitalisation, based on the chosen sum insured Consumables Benefit, Bariatric Surgery Cover, Dental Expenses and more
  TATA AIG Elder Care	Inpatient hospitalisation expenses Pre-hospitalisation cover up to 30 days and post-hospitalisation cover up to 60 days AYUSH treatments, domiciliary hospitalisation and daycare treatments Up to 14 days of compassionate care for daily living assistance Personalised health manager services Up to 7 days of home nursing services in a policy year Up to 10 days of home physiotherapy for certain illnesses Ambulance cover up to ₹5000 per hospitalisation Preventive health checkups every two claim-free years Consumables Benefit, Preventive Health Consultations, High-end Diagnostics and other benefits
  TATA AIG MediCare Plus (Super Top Up)	Inpatient hospitalisation expenses Pre-hospitalisation cover up to 60 days and post-hospitalisation cover up to 90 days Covers listed daycare procedures and domiciliary hospitalisation beyond three days Inpatient hospitalisation and daycare treatments at an AYUSH facility Coverage of medically necessary consumables used during hospitalisation Road ambulance cover up to ₹3000 per hospitalisation Preventive health checkups up to ₹10,000 for every two claim-free years Organ donor harvesting expenses, dental treatments, secondary opinion for critical diseases, and other benefits
  TATA AIG MediCare LITE	Inpatient hospitalisation expenses up to a single private room Pre-hospitalisation cover up to 60 days and post-hospitalisation cover up to 180 days Daycare treatment and domiciliary hospitalisation Organ donor harvesting expenses Automatic restoration of the base sum insured and cumulative benefits Daily cash allowance for choosing a shared room or accompanying a child of 12 years or younger Ambulance cover for emergencies and hospital-to-hospital transfers Preventive health checkup once every policy year Second opinion for critical illnesses, bariatric surgery, compassionate travel and other benefits

  Disclaimer: The policy coverage options and limits are subject to terms and conditions. Check the Policy Wording document of each plan for more details.

Health Insurance Inclusions

• Inpatient Hospitalisation: Covers all necessary medical expenses for treatment at a hospital.
• Pre- and Post Hospitalisation: Covers diagnosis, treatment and post-operative care expenses for a specific number of days.
• Daycare Expenses: Daycare procedures are those that don’t require 24 hours of hospitalisation.
• Domiciliary Expenses: Includes at-home medically necessary treatments supervised by a qualified physician.
• AYUSH Cover: Covers hospitalisation and daycare treatments involving Ayurveda, Unani, Homoeopathy, Yoga, Naturopathy and Siddha.
• Ambulance Charges: Pays for ambulance services for emergencies and transfer to other hospitals, based on policy terms.
• Preventive Health Checkups: Covers annual preventive health checkups, subject to certain terms.
• Global Cover: Includes overseas treatment costs and visa fees for diseases diagnosed in India.
• OPD Treatments: Includes outpatient department treatment expenses as per policy terms.
• Automatic Restoration: Restores the basic sum insured amount and cumulative bonus when they are exhausted.

Health Insurance Exclusions

• Waiting Period Exclusions: Pre-existing diseases and specific diseases are excluded till the end of their specific waiting periods.
• Self-inflicted Injuries: Excludes injuries out of suicide attempts and self-inflicted injuries.
• Cosmetic and Plastic Surgery: Excluded unless they are medically necessary or for reconstruction following an accident.
• Substance Abuse: Injuries or treatments due to alcohol addiction or substance abuse.
• Supplements: Dietary supplements and substances like vitamins, minerals and organic substances purchased without a prescription.

Disclaimer: The above inclusions and exclusions are not exhaustive and subject to terms and conditions. Check the Policy Wording document of your chosen plan.

Your Budget Plan

It will be extremely helpful to keep in mind your budget when planning medical coverage. If you do not do so, you may not be able to keep up with the premium payments later. Instead, look for the medical insurance in Kolkata that will enable you to keep up with your premium payments as well as fit into your monthly budget.

Check Your Eligibility Criteria

Before choosing any of our health insurance plans in Kolkata, it is advisable to check the age criteria and other eligibility criteria. As the best health insurance company in Kolkata, we offer minimal requirements, allowing anyone to get health insurance regardless of their age. We also offer lifetime renewability on many of our plans.

Check the Waiting Period

Health insurance in Kolkata comes with different waiting periods for different medical conditions and specific diseases. Commonly, the waiting period is 30-90 days, but it can go up to 2-4 years with a diagnosed pre-existing condition. Choose a policy that offers the shortest waiting periods.

Use Health Insurance Premium Calculator

One essential tool that will help you estimate health insurance policy premiums is the health insurance premium calculator. We have a reliable calculator which will make your buying decision swiftly on all our websites. This way, you can compare the amount of premium for our health insurance plans in Kolkata and choose a suitable policy.

Opt for Maximum Coverage

You should ensure that you clearly analyse and understand the coverage of our health insurance in Kolkata. The usual benefits that all our health insurance plans in Kolkata offer include coverage for pre and post-hospitalisation expenses, medical professional fees, diagnosis, treatment and others.

Extensive Hospital Network

At TATA AIG, we try to ensure that you get the best service. So, we try to ensure convenience in every aspect. We have a broad network of 12,000+ hospitals that will help you during emergencies. During such situations, you can rush to the nearest hospital without having to check if you have our support, as we allow you to get treatment anywhere.

Easy to Understand Online Process

At TATA AIG, we offer a completely online process for buying and renewing medical insurance in Kolkata. Our swift and easy process with minimal paperwork can help you buy an all-inclusive plan without any trouble.

Consistently High Claim Settlement

We can proudly say that we have maintained a high Claim Settlement Ratio over the years, making us one of the most reliable mediclaim companies in Kolkata. By partnering with us, you can enjoy complete peace of mind, knowing your medical treatments are covered.

Coverage for Everyone

We have numerous plans that cover people across all age groups. Whether you want to cover newborns, senior citizens or your entire family, we offer customised coverage and all-inclusive eligibility parameters.

Choice for Copayment

We have highly flexible health insurance plans in Kolkata. You can opt for the copayment option, where you have to pay a portion of the medical expenses, and we will pay the remaining amount. This allows you to get lower health insurance costs to fit your budget.

Extensive Network of Hospitals

We have an extensive network of hospitals in Kolkata to help you in your time of need. You can opt for treatments at both network and non-network hospitals and know that you are covered.

Attractive Cumulative Bonus

If you do not file for a claim in the entire year, we grant a cumulative bonus during renewal. This increases your sum insured amount by a fixed percentage every year till it’s 100% of your base sum insured.

Instant Process

Buying and renewing TATA AIG’s health insurance plans in Kolkata is easy and fast. You can check the policy features and prices in just a few clicks and complete the purchase process in a few minutes on our website.

Easy to Compare Plans

Compare health insurance plans online on our website and choose the one that best fits your needs based on cost and coverage options. We also offer a premium calculator to help you find the most affordable plan that provides sufficient insurance coverage.

Completely Paperless Process

Our application process is completely digital and doesn’t require you to visit an office or submit any physical documents. You only need the soft copies of a few basic documents to buy or renew your health insurance. We also send all policy-related documents directly to your email so you can access them at any time.

Get Expert Assistance

Access 24x7 customer support to get your queries answered and feedback resolved. We have a team of dedicated experts to help you regarding purchase, renewals, claim settlement and other topics. Don’t hesitate to get help whenever you need it.

Step 1: Visit the official TATA AIG website and click on ‘Health Insurance’ from the ‘Personal’ menu.

Step 2: Click on ‘Get my Plan’ and enter the required details, including PIN code and contact number.

Step 3: Choose the number of family members and provide the rest of the required details, such as date of birth, email address, etc.

Step 4: Check the different health insurance plans available and choose a suitable plan.

Step 5: Select the sum insured amount and policy tenure.

Step 6: View the premium details, and if you want to proceed, complete the payment to buy health insurance online.

Step 1: Visit our official website.

Step 2: Find the renewal menu and select health insurance.

Step 3: Fill in the health policy number and other required details and click the ‘Renew’ button.

Step 4: If you want to make additions to your existing policy with new riders, add them. Once done, click on the enter button for easy renewal online.

Step 5: You will then be directed to the payment page for your Health Insurance Renewal. Plus, you will be provided with the option to pay via credit card, debit card or net banking.

Step 6: As soon as the premium payment is successful, you will be done with the renewal of the health insurance policy online. You can
save these details of renewal for future use.

Steps for Cashless Claim- Non-Emergency

Step 1: Opt for a network hospital in your vicinity and contact them to schedule your treatment.

Step 2: Inform TATA AIG within 48 hours of your planned hospitalisation by sending the cashless claim form via email or a letter.

Step 3: Wait till you receive our confirmation letter and authorisation. On the day of your hospitalisation, submit the confirmation letter and health ID card. The hospital staff will manage the rest.

Steps for Cashless Claim- Emergency

Step 1: Get admitted to any network or non-network hospital based on your convenience.

Step 2: Within 24 hours of being admitted, submit the cashless claim form along with documents, such as health card, policy documents, ID proofs, etc.

Step 3: Wait till we send the authorisation letter to the hospital. Then, focus on your recovery as we settle your bills.

Steps for Reimbursement Claim

Step 1: After getting the treatment, pay the bills out of your own pocket.

Step 2: Ensure to collect all necessary documents, such as the medical certificate, hospital discharge certificate, diagnostic reports, hospital bills, pharmacy bills, etc.

Step 3: Submit the reimbursement claim form along with all relevant documents. Wait till we process your claim and award the reimbursement.

We at TATA AIG believe in rising to the occasion and supporting and providing our customers with the best services. As a result, we ensure to facilitate the best healthcare services for you. To enable that, we have tie-ups with all the famous hospitals across the country to ensure that you get the finest treatment without worrying about medical expenditure.

We have a network of 12,000+ cashless hospitals in India, with many of them located in Kolkata. Check our list of cashless network hospitals and enter ‘Kolkata’ in the city name and click on ‘Search’ to find the most reputable cashless hospitals in the city. Explore our list of empanelled hospitals in Kolkata and ensure to check our excluded providers.

While our network hospitals are the most efficient and convenient, you can also get cashless treatments at non-network hospitals in Kolkata, with our Cashless Everywhere facility. To get cashless treatments at a non-network hospital, inform TATA AIG within 24 hours of hospitalisation for emergencies and 48 hours before hospitalisation for non-emergencies. Send the SMS “GetCashless Policy Number City” to 7669300780 to send your claim.