Health Insurance in Kolkata
Health Insurance in Kolkata
Being one of the best known and popular cities to live in India, the 'City of Joy' is also considered as the land of the intellectuals. The matchless cultural legacy with interesting specimens of architecture makes it one of the best places in the country. Also, it is the third-largest metropolitan in India. Thus, attracting numerous people from all corners of the country to reside.
Moreover, Kolkata, as a city, symbolizes creativity and vibrancy with all the modern amenities available. These include the impressive and modern medical infrastructure for both locals and people staying in the neighbouring towns. Plus, it offers a range of government-aided, private and multi-speciality hospitals for all kinds of medical treatments.
Health Insurance in Kolkata Overview
Nonetheless, one of the challenges faced by people living in this city are lifestyle diseases. These range from obesity to heart disorders. Hence making it extremely essential to have well-rounded health insurance in Kolkata. Although health issues can be avoided to a certain limit, the expensive treatment that may arise due to them cannot be avoided.
But having the Mediclaim policy in Kolkata would undoubtedly help. You can look for the best Mediclaim company in Kolkata to secure yourself and avoid any financial burden on your family.
To find the health insurance company in Kolkata, you can research online. Then, you can compare health insurance in Kolkata offered by leading companies and find a suitable plan. Otherwise, to save yourself from all this trouble, you can opt for our health insurance.
At Tata AIG, we believe in serving our customers the most beneficial plans that will provide them with the security they are looking for. Our Tata AIG MediCare and Tata AIG MediCare Plus are a few examples of our health insurance plans in Kolkata.
Apart from individual health insurances in Kolkata, we also offer family-floater plans, senior citizen plans and others. Our aim is to meet and satisfy each and every customer's requirements. If you want to know more about each, it will be advisable to read these health insurance policy wordings in detail.
The Need for Health Insurance in Kolkata
The air quality index of Kolkata puts it under the unhealthy category. This pollution can be the cause of medical problems like asthma, lung cancer and others. And as it is a metropolitan city, there is quite a hustle-bustle which can negatively impact your overall health.
Moreover, having the Mediclaim policy in Kolkata has become essential as the city has recently witnessed a considerable growth of health complications. Diabetes, obesity and other such health problems are affecting the lives of those living in this city. In addition, tropical diseases like dengue and malaria are also common in Kolkata.
Thus, to counter the expensive medical expenses arising due to such health complications, you should opt for the health insurance in Kolkata. This way, you will be able to bear the extremely high medical cost without creating a hole in your pocket.
So, it is advisable that you look for the health insurance company in Kolkata to get the Mediclaim policy in Kolkata. You should check the coverage these health insurances in Kolkata offer to find a beneficial plan.
At Tata AIG, our health insurance plans in Kolkata provide coverage for pre and post hospitalization, room rent, ambulance charges and much more. As a good Mediclaim company in Kolkata, we try to make sure that our customers' rising demands are met.
What to Keep in Mind When You Buy Health Insurance in Kolkata?
When opting for a health insurance plan in Kolkata, you should keep the following factors in mind:
Your Budget Plan
It will be extremely helpful to keep in mind your budget when planning your financials. If you do not do so, you may opt for a health cover right now but 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 in your monthly budget. Make sure to opt for an affordable plan of health insurance in Kolkata with maximum benefits and coverage.
Check Your Eligibility Criteria
Before choosing any of our health insurance plans in Kolkata, it will be advisable to check the age criteria and other eligibility. One of the Mediclaim policies in Kolkata, our MediRaksha plan provides a lifelong renewability option as well.
Check the Waiting Period
According to our country's insurance regulator's regulations, we have a waiting period for all our health insurances in Kolkata. Commonly, the waiting period is 30-90 days, but it can go up to 2-4 years with a diagnosed pre-existing condition.
Use Health Insurance Premium Calculator
One essential tool that will help you find the health insurance policy in Kolkata is the health insurance premium calculator. As one of the finest Mediclaim companies in Kolkata, 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 analyze and understand the coverage of our health insurances in Kolkata. The usual benefits that all our health insurance plans in Kolkata offer include coverage for pre and post-hospitalization expenses, medical professional's fee, diagnosis, treatment and others.
Extensive Hospital Network
As one of the Mediclaim company in Kolkata, 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 hospitals that will help you during emergencies. During such situations, there is always panic, and you would want to rush to the nearest hospital. So, with our connection to hospitals in Kolkata, you will find a hospital in no time.
How to Avail Cashless Treatment in Kolkata?
Before you buy health insurance in Kolkata, it will be wise to go through all the facets of health insurance plans. Like for instance, you should know about the cashless treatment. Being the Mediclaim company in Kolkata, we offer health insurance plans that enable you to avail of this facility.
Keep in mind that you can avail of this facility only in cashless network hospitals in Kolkata. With the cashless treatment, you will not be required to pay any money, and we will endure the entire medical expenditure. However, it is subject to policy terms and conditions.
While opting for this facility, you need to follow these specific steps:
- Opt for the network hospital in your vicinity
- You have to submit the pre-authorization form duly signed by self
- Plus, also all the required documents and notify us, your health insurance company
- And once the verification is done, our claim management team will get back to you in case of any doubt
And in case there is emergency hospitalization, you will have to inform us within 24 hours. But with planned hospitalization, you can inform us within 48 hours. You can choose the cashless treatment facility and get the claims settled by using the health card.
Tata AIG Health Insurance Renewal in Kolkata
As the health insurance company in Kolkata, we understand the need for convenience and ease. Thus, we offer an easy renewal process. Like having the Mediclaim policy in Kolkata, renewing it timely is extremely vital.
You should note that every company has a different renewal procedure. But one specific thing that remains common is that the failure to renew the plan could make you lose your health cover as well as the NCB (No Claim Bonus).
You can read on to know the renewal procedure for health insurances in Kolkata. In simple terms, just follow these steps:
Step 1: Visit our official website.
Step 2: Find the renewal option and click on it.
Step 3: Fill in the health policy number and other required details and press enter.
Step 4: If you want to make additions to your existing policy with new riders, add them. Once that is 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.
Step 7: You can save these details of renewal for future use.
Reasons to Buy Tata AIG Health Insurance in Kolkata
Given below are quite a few benefits that make Tata AIG the Mediclaim company in Kolkata:
Easy to Understand Online Procedure: At Tata AIG, we offer the medical insurance in Kolkata, as these plans are readily available online. A swift process with quick steps can help you buy an all-inclusive plan without any trouble.
Covers Pandemics: As a Mediclaim company in Kolkata, we comprehend the sudden needs and increasing changes. To counter these, we have plans dedicated to solving fiscal problems that may arise due to pandemics like the Coronavirus.
Tax Benefits: As regulated under Section 80D of the Income Tax Act, you will benefit from some tax deductions.
Claim Settlement Ratio: We can proudly say that our claim settlement ratio is 96.43 in the FY19-20, making us one of the most reliable Mediclaim company in Kolkata.
Coverage For Everyone: We have numerous plans that cover people across all age groups. Starting from newborns to senior citizens and family- floater health insurance plans for a family.
Choice for Copayment: We have highly flexible health insurances in Kolkata. You can opt for the copayment option wherein you will pay a portion of the medical expenses, and we will pay the remaining amount. Our Network Hospitals: We have an extensive network of hospitals in Kolkata to help you in your time of need. At these hospitals, you can opt for cashless hospitalization as well.
Accumulative Bonus: If it happens that you do not file for a claim in the entire year, we also grant a cumulative bonus during renewal. We may make an increase in your sum insured amount.
List of Cashless Hospitals Network in Kolkata
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 to ensure that you get the finest treatment without worrying about medical expenditure. Kindly look at our list of cashless hospitals in Kolkata:
Anandalok Hospital Address: DK-7/3, 3rd Ave, beside National Dairy Development Board, Sector II, Bidhannagar, Kolkata, West Bengal 700091
Amri Medical Center Address: No. 97 A, Southern Ave, Opposite Lake Stadium, Lake Market, Kalighat, Kolkata, West Bengal 700029
Apollo Gleneagles Hospital Address: 58, Canal Circular Road, Kadapara, Phool Bagan, Kankurgachi, Kolkata, West Bengal 700054
Apollo Gleneagles Heart Centre Address: 48/1F, Leela Roy Sarani, Gariahat Rd, near Orchestra Co-Operative Housing Society, Ballygunge, Kolkata, West Bengal 700019
Arogya Maternity Nursing Home Address: 71, Tollygunge Circular Rd, Behind Sital Sadan Building, Ajoy Nagar, Buroshibtalla, New Alipore, Kolkata, West Bengal 700053
Arogya Niketan Private Ltd Address: 105, RS Verma Rd, Kotrung, Uttarpara, West Bengal 712258
Swasti Eye & Super Speciality Nursing Home Address: Rajarhat Rd, Rajarhat, Baguiati, Kolkata, West Bengal 700059
Baksi Orthopaedics Trauma And Rehabilitation Centre Pvt Ltd Address: No.95, Hem Chandra Naskar Rd, Subhas Sarobar Park, Phool Bagan, Beleghata, Kolkata, West Bengal 700010
South Suburban Clinic Private Limited Address: 67, Diamond Harbour Rd, near dav public school, Sahapur, Taratala, Kolkata, West Bengal 700038
Barrackpore Medicare And Research Centre Address: 6/6, Barrackpore Trunk Rd, Barrackpore, Kolkata, West Bengal 700123
Reviewed Tata AIG health insurance customer from Kolkata
Customer Review (Examples)
Rakesh Agarwal The sales team support is supremely, good and efficient. It has made my experience of buying health insurance hassle-free and fruitful.
Ram Prakash Goyal So swift and easy! I had no idea that buying health insurance online will be so easy. Thank you to the prompt Tata AIG team for your swift responses.
Ramya Kumari Always recommend Tata AIG. Easy buying process and incredibly supportive customer support.