Health Insurance in Kolkata

Quick Summary

• Kolkata residents face significant health risks, including hypertension (42%), diabetes (45.2%), respiratory diseases, heart conditions and cancer. To get financial protection against these risks, health insurance is necessary.

• Getting health insurance in Kolkata safeguards you and your family from air pollution risks, chronic illness expenses, and emergency hospitalisation. It also provides you with access to the city’s top medical institutions and offsets medical inflation.

• At TATA AIG, we offer a wide variety of health insurance plans, including individual, family floater, senior citizen and critical illness plans and the Arogya Sanjeevani Policy.

• Our policies offer comprehensive coverage, year-long discounts, substantial cumulative bonus and access to an extensive cashless hospital network.

• Buying and renewing our health plans is easy, instant and takes 4-5 steps via the TATA AIG portal or mobile app. Filing cashless and reimbursement claims can also be done online

• Hypertension: Hypertension is the leading non-communicable disease in Kolkata and West Bengal. A population-based study found that 42% of Kolkata residents had hypertension, with even higher prevalence in those above 60+ years and tobacco users.

• Diabetes: Diabetes is a major health concern in Kolkata, with many suffering from uncontrolled blood sugar and comorbidities. According to a study, 45.2% of the population is at high risk of diabetes, while 45.2% are at moderate risk, placing most at risk.

• Respiratory Diseases: Kolkata residents suffer from the dual threat of high air pollution and one of the highest rates of bidi and cigarette consumption. A study on dispensaries near high-pollution areas shows a majority suffering from respiratory issues like acute infections and influenza.

• Heart Conditions: Heart ailments like ischemic heart disease, strokes and high blood pressure are very prevalent across West Bengal. A study of an urban health centre in Kolkata showed concerning levels of heart risk factors, including hypertension (46%), obesity (56%) and physical inactivity.

• Cancer: A 25-year study shows increasing cases of lung cancers, oral cavity cancers, breast cancers and lymphoid leukaemia across West Bengal. From 1996 to 2020, 189,485 patients were admitted to a single cancer institution.

• Safeguards Against Air Pollution: Kolkata residents suffer from high to severe levels of air pollution due to vehicle emissions, industrial pollutants and dust particles. This leads to high chances of respiratory illnesses and even cancers, making medical insurance necessary to cover massive financial burdens.

• Helps Manage Chronic Diseases: Kolkata residents are at high risk of non-communicable diseases like diabetes, hypertension and digestive issues. Medical insurance in Kolkata helps cover long-term treatment and hospital bills from such chronic illnesses.

• Provides Access to Quality Treatment: Kolkata has many famous private hospitals and public medical colleges like Apollo Gleneagles Hospital, AMRI Medical Centre, and Ruby General Hospital. Since medical expenses at these hospitals are out of reach for many people, getting health insurance is a better solution.

• Deals with Medical Inflation: Medical expenses in Kolkata trend up each year due to a rise in diseases, rapid advancements and more patients coming to the city. Kolkata’s health insurance plans help you cover rising expenses, including top brand medicines, advanced treatments and follow-up care.

• Covers Emergency Treatments: Accidents and sudden illnesses can strike anyone at any time, causing financial and emotional distress. Health insurance offers quick access to medical treatment at a network hospital with an easy online claim, and without having to pay cash.

• Protects Your Family: Family health insurance in Kolkata lets your family members get immediate payments without distressing your finances. Cover your entire family with a single insurance plan in a cost-effective way. Live stress-free knowing your family has access to top-tier healthcare.

• Individual Health Insurance

View Plan

• Family Health Insurance

View Plan

• Senior Citizen Health Insurance

View Plan

• Critical Illness Health Insurance

View Plan

• Super Top-Up Health Insurance

View Plan

• Personal Accident Health Insurance

View Plan

• Arogya Sanjeevani Policy

View Plan

• Extensive Hospital Network: Access medical treatment at any location in the country, with a network of 12,000+ cashless hospitals. From multispeciality hospitals and specialist care centres, the best mediclaim policy in Kolkata covers them all.

• Reliable and Trustworthy Partner: The TATA name comes with a 150-year-old heritage and legacy, and excellent customer service. We provide constant assistance, timely delivery of services and assured claim settlements, so you can keep trusting us.

• Multiple Plan Options: We offer the best health insurance in Kolkata across multiple categories, from individual and family floater plans for everyday insurance needs to senior citizen health insurance plans for specialised age-based care. Get add-ons to include features not offered with your base plan.

• Specialised Coverage Options: Besides standard cover options like hospitalisation expenses and AYUSH, we offer specialised covers like global coverage, consumables coverage, wellness services and home physiotherapy. These are available with select plans or as add-ons.

• Attractive Discounts and Bonus: The best health insurance policy in Kolkata offers attractive discounts on premiums, up to 10% based on tenure and up to 32% based on family members added. We also offer a cumulative bonus up to 100% of the sum insured as a reward for claim-free renewals.

• Maternity and Elderly Coverage: Choose a plan or add-on covering pregnancy-related expenses, including maternity, delivery complications and newborn cover to support a growing family. For senior citizen health insurance in Kolkata, get benefits like critical illness coverage, compassionate care and wellness services.

Easy Online Health Insurance

Get instant access to medical treatment at affordable costs

• Click the Purchase Button: Scroll up and click on the ‘Want to buy insurance’ button at the top of this page.

• Add Family Members: Choose or select the number of family members you want to include.

• Enter a Few Details: On the next page, provide the necessary details, including your date of birth, mobile number and PIN code.

• Choose Your Plan: Check the health insurance plans available. Select a plan and enter the coverage details (sum insured, tenure and add-ons)

• Pay the Premium: After viewing the premium breakup, complete the payment to buy health insurance online.

• Find Insurance Renewal: Scroll to the top of this page and select ‘Health’ from the ‘Renewal’ menu.

• Enter Policy Details: On the next page, enter your existing policy number and click on ‘Renew’.

• Choose Your Coverage: Review your existing policy details. Modify the sum insured and tenure, and include add-ons as needed.

• Pay the Premium: Pay the revised premium to renew your TATA AIG online health insurance in Kolkata.

Cashless Claim- Non-Emergency

• Inform TATA AIG: Inform us to book your scheduled treatment via the self-service portal, 24/7 helpline (022 6489 8282) or our mobile app.

• File a Claim: File a cashless claim form via email or letter within 48 hours of your scheduled treatment.

• Wait for Confirmation: Wait till you receive a confirmation letter from us following verification and processing of your request.

• Submit the Required Documents: Upon arrival at the hospital, submit the confirmation letter at the insurance desk along with your insurance card.

Cashless Claim- Emergency

• Inform Us: Inform TATA AIG as soon as you can after being hospitalised.

• File a Claim: Send us a cashless claim form within 24 hours to get a Claim Intimation/Reference Number.

• Submit the Required Documents: Ensure to enclose your health insurance card, policy documents, identity proof, address proof and cKYC for claims above ₹1 lakh.

• Wait for Authorisation: Once we process and verify your claim, we will send an authorisation letter to the hospital and settle your bills directly.

Reimbursement Claim

• Notify Us: Inform TATA AIG immediately upon hospitalisation within the specified period.

• Pay the Bills: Pay for your treatment on your own and collect all bills and receipts.

• File a Claim: File a reimbursement claim form along with relevant documents, including medical bills, payment receipts, prescriptions and discharge certificate.

• Wait for Settlement: Wait till we process your claim and send you the reimbursement amount to your account.

Your minimum required health insurance coverage scales with increasing age, family size and health conditions. Check the minimum amounts recommended by experts for health insurance in Kolkata:

• For a Single Person: While ₹5 lakhs is the lowest amount you can get, at least ₹10 lakhs of health coverage is advisable in a tier-1 city like Kolkata. For expensive procedures like bypass surgery or cancer treatment, a sum insured of ₹ 15 lakhs is recommended.

• For a Family: ₹10 lakhs per adult is the minimum recommended coverage for a family in Kolkata. For a family of four, at least ₹30 lakhs of sum insured is advisable.

• For Older Individuals: Older individuals require higher medical insurance coverage. For ages 35-40 years, an increase of 25% of sum insured is advisable, while for 50+ years, a 50% increase is recommended. Senior citizens need at least ₹20 lakhs of sum insured.

In West Bengal, the Swastha Sathi Scheme provides basic health coverage for the state’s civil servants and economically disadvantaged families. However, the scheme does not cover everyone or provide sufficient health insurance coverage. Check the table for a detailed comparison:

At TATA AIG, we have a network of 205+ network providers in Kolkata and 138+ valued providers, including private hospitals, speciality hospitals and other medical institutions. Check our most popular cashless hospitals in Kolkata:

• AM Medical Centre Private Limited (Kalighat)
• Apollo Gleneagles Heart Centre (Ballygunge)
• ASG Hospital Pvt Ltd (Lake Town)
• Charring Cross Nursing Home Pvt Ltd (Kankurgachi)
• Desun Hospital & Heart Institute (Sector I, Kasba)
• Disha Eye Hospitals Private Limited (Ballygunge)
• Fortis Hospital And Kidney Institute (Gariahat)
• Institute Of Neurosciences Kolkata (Park Street)
• KPC Medical College & Hospital (Jadavpur)
• Manipal Hospital - Broadway (Bidhan Nagar)
• NG Medicare & Calcutta Hope Infertility Clinic (Gariahat)
• Peerless Hospital And BK Roy Research Centre (Panchasayar)
• Ruby General Hospital (Kasba)
• Tata Medical Centre (Rajarhat)
• The Calcutta Medical Research Institute (Alipore)

Locate a TATA AIG network hospital near your locality by checking our cashless network hospital page.