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Given rising medical inflation and growing health problems in Kolkata, it’s crucial to safeguard yourself and your loved ones by securing health insurance.
Reasons to Choose Care Health Insurance?
Kolkata premium from ₹19/day*
6.3L+ covered in Kolkata
131 network hospitals
43K+ local claims settled
Known as the cultural capital of India, Kolkata offers a vibrant lifestyle to its residents but at the same time faces unique challenges including rising healthcare costs and pollution levels. The city’s high population density increases the risk of communicable diseases, while unpredictable weather patterns contribute to seasonal illnesses.
Also, the prevalence of lifestyle diseases such as diabetes and hypertension is on the rise due to changing dietary habits and sedentary lifestyles. These factors emphasise the need for comprehensive health insurance in Kolkata to ensure financial backup and timely medical care.
Here’s a breakdown of major health statistics of Kolkata:;
Here’s a breakdown of major health problems in Kolkata :
According to a 2024 survey conducted by an NGO, 28% of Kolkata’s population is at a risk of developing diabetes. Other than unhealthy lifestyle factors, inconsistent treatment is blamed for this uncontrolled growth.
As per a 2024 report by Times of India, silent hypertension has sharply increased since COVID when it was the most common illness along with diabetes. Experts consider a sedentary lifestyle and unhealthy food habits to be the major contributors.
Obesity is another significant concern among Kolkata residents. A study conducted among school children found the prevalence of obesity was 2.25 per 100 children. This is concerning as childhood obesity leads to long-term health problems such as heart disease.
The city has a record of high prevalence of lung cancer among males and breast cancer among females. Considering this, opting for a health insurance policy with critical illness coverage is a wise approach.
Given the medical inflation in India, purchasing the best health insurance in Kolkata guarantees financial protection against sudden medical expenses. Here are the factors that raise the need for medical coverage in the city;
Whether you’re seeking individual health insurance or wish to cover your entire family under a single plan, we give you the option of choosing from some of our most promising plans.
Ideal for families looking for capless coverage
Health insurance for domestic and global coverage up to 6 crore
Health insurance for elderly with no pre-policy checkup.
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Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
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Company of the Year*
74.5 Lakh+ Claims Settled**
22100+
CASHLESS HEALTHCARE PROVIDERS^^
**Number of claims settled as of Dec 2024 *India Insurance Summit & Awards 2023
Below is a list of Care Health Insurance’s top five network hospitals where you can easily access cashless treatment:
| Hospital Name | Address | Pin Code |
|---|---|---|
| Apollo Multispeciality Hospitals Limited | 58, Canal Circular Rd, Kadapara, Phool Bagan, Kankurgachi, Kolkata, West Bengal | 700054 |
| Manipal Hospitals Mukundapur) | 223 & 230, Pano Rd, behind Metro Cash & Carry, Purba Jadavpur, Landmark: Kolkata, West Bengal | 700099 |
| Tata Medical Centre | 14 MAR (E-W), New Town, Rajarhat, Kolkata, West Bengal | 700160 |
| The Calcutta Medical Research Institute | CMRI Hospital, 7/2 Diamond Harbour Rd, New Alipore, Kolkata, | 700027 |
| ILS Hospitals, Dumdum | 1, Mall Rd, near Ramakrishna Paramahamsadev Bridge, Golpark, Dum Dum, Kolkata, North Dumdum, West Bengal | 700028 |
Purchasing the best health insurance in Kolkata gives you the freedom to choose from the following plans:
| Type | Description |
|---|---|
| Individual Health Insurance | Suitable for individuals seeking personal medical insurance in Kolkata. |
| Family Floater Health Insurance | Covers the medical expenses for your entire family under a single plan. |
| Senior Citizen Health Insurance | Provides comprehensive coverage for senior citizens above 60 years of age. |
| Group Health Insurance | Provides coverage for employees and their families. |
| Critical Illness Insurance | Provides comprehensive coverage for life-threatening illnesses including cancer, stroke and kidney failure. |
| Personal Accident Insurance | Covers the medical expenses of accidental injuries. |
Note: Some of the best health insurance companies in Kolkata offer customized plans tailored to your specific needs.
Take a look at the health insurance products that we offer in Kolkata and other Indian cities:
| Products | USPs | Who should buy it? |
|---|---|---|
| Care Supreme | Cumulative Bonus Wellness Benefit Unlimited Automatic Recharge No sub-limits/capping on treatments |
Individuals seeking medical coverage with no sub-limits. |
| Care Advantage | Higher Sum Insured Options Global Coverage Automatic Recharge Unlimited E-consultations |
Individuals seeking a plan that provides global coverage and higher coverage limits. |
| Ultimate Care | Premium Payback Infinity Bonus Loyalty Boost Unlimited Care |
Individuals and families who want maximum financial protection against high-cost medical emergencies. |
| Care Freedom | Automatic recharge Consumable Allowance No pre-policy medical checkup Annual Health Checkup for adult members |
Individuals with pre-existing diseases, or those who prefer no pre-policy medical tests, along with coverage for consumables and regular health check-ups. |
| Care Classic | Zone-based premium Global Coverage Care Shield No claim bonus of up to 150% of SI |
Individuals and families who prefer a location-based premium structure that aligns with healthcare costs in their city. |
| Care Plus | NCB Protection Inflation Shield Unlimited Automatic Recharge for the same person, same illness Personal accident coverage for the primary insured member |
Ideal for individuals and families concerned about medical inflation and who need unlimited sum insured top-ups for recurring hospitalisations. |
Securing medical insurance in Kolkata comes with numerous benefits. Some of the top ones are mentioned below :
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.
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.
Under section 80D of the Income Tax Act, you are eligible for receiving tax deductions on premiums paid for the health insurance policies.
Our medical insurance policy in Kolkata covers the following aspects:
Here are some permanent exclusions under our medical insurance 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.
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;
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;
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 :
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;
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.
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.
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.
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Claims Settled Since Inception**
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22100+
Cashless Healthcare Providers^^
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Disclaimer:
~Tax benefit is subject to changes in tax laws. Standard T&C Apply.
^^Number of Cashless Healthcare Providers as of Feb 2025
**Number of Claims Settled as of 31st March 2024
*The premium is calculated for an insured individual (18 years of age) for a Rs 5 lakh Sum Insured. It may vary as per the policy schedule.
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