Health Insurance in Kolkata

Health Insurance in Kolkata

Popularly known as the City of Joy, Kolkata is one of the most beautiful cities of India, offering all amenities. The city has a robust medical infrastructure for both locals and people staying in the neighboring towns and states. It has numerous government-aided, private, and multi-specialty hospitals. The healthcare facilities in the city are beneficial for both locals and visitors coming from different parts of India.

Living in a fast-paced life can give rise to various lifestyle diseases such as obesity and heart disorders. Not only can it negatively affect your physical health, but it can also affect your wealth. Health issues are unavoidable. They are uncertain, and treatment can be expensive. For this reason, it is advisable to get best health insurance in Kolkata so that you can secure yourself and do not put a financial burden on your family.

When opting for a health cover, it is necessary to understand its coverage. Many people still consider that a mediclaim policy and a health cover are the same. But they are different. The increased medical expenses can cost you a bomb, especially in circumstances like hospitalisation because of accidents and pre-existing ailments. Hence, the mediclaim policy acts as financial aid. With the help of the mediclaim policy, you can go for cashless treatment without hampering your savings. To take care of hospitalization expenses; hence, it is advisable to opt for the best mediclaim policy in Kolkata for your family.

If you are planning to opt for the best mediclaim policy in Kolkata, then certain things should be kept in mind:

• Sum insured
• Co-payment
• Network hospital
• Exclusions

The best mediclaim policy in Kolkata covers in-patient hospitalisation expenses, annual health check-ups, and domiciliary hospitalization.

The Need for Health Insurance in Kolkata

Living in metro cities has its perks as there is no shortage of facilities. But, as every coin has two sides apart from high-end facilities, gradually there has been a rise in health issues. Living in the hustle-bustle of urban life can negatively impact your overall health.

Kolkata has witnessed many health complications in the last decade. People are experiencing health issues, such as obesity, asthma, and diabetes. Therefore, the demand for health insurance is rising in Kolkata. Opting for a health policy prevents your savings from getting exhausted. Medical insurance plan has now emerged as a necessity for people who are now looking to protect their families. Opt for a health policy today and leave all your worries behind.

Only you can take charge of your health. It is possible only if you practice the habits mentioned-below:

• Eat a nutritious diet
• Safeguard yourself from pollution by wearing a mask in daily life
• Make it a habit to go for health check-ups
• Make exercise a part of your routine
• Opt for the best health insurance policy in Kolkata

Tips to Consider Before Buying Health Insurance in Kolkata

With so many health insurance companies selling insurance policies, it has become tough to opt for one that works best for you. Let’s discuss some of the tips that you must consider before buying health insurance in Kolkata.

• Opt for a health policy at the earliest
• Choose a policy with maximum coverage
• Consider the waiting period for pre-existing diseases
• Understand the claim settlement ratio
• Check if there are any network hospitals in your area
• Read the reviews carefully given by the customers on the company’s official website
• Read all the inclusions and exclusions of the policy
• Consider the feature of co-payment and sub-limits in the policy
• Check which indemnity cover is ideal for you

How to Avail Cashless Treatment in Kolkata?

It is now easy to get access to cashless treatment and keep your financial worries at bay. A cashless medical insurance facility is available only if the insured avails treatment in any of the network hospitals of the insurer. The benefit of this facility is that the insured does not pay a single penny, and the entire cost is paid by the health insurance company, subject to the policy terms and conditions.

In this case, the insured has to abide by the following steps:

• Select the network hospital in your location
• Submit the pre-authorization form duly signed by you
• Submit all the required documents and notify the health insurance company
• After the verification, the claim management team will get back to you in case of any query

In the event of emergency hospitalization, the insured must inform the insurance company within 24 hours. While, in case of planned hospitalization, the insured can inform the insurer within 48 hours.

You can get cashless treatment and get the claims settled by using the health card.