Health Insurance in Kolkata

Buying a health insurance plan comes with its perks. You can access over 18,400+ hospitals across India with Bajaj General Insurance. Therefore, no need to pay upfront in case of emergencies.

Investing in the best medical Insurance In Kolkata means you will get up to 50% NCB for every claim-free year. This lets you increase your sum insured amount without paying extra premiums.

With health insurance, you can also get yearly preventive health checkups for your whole family. These help you diagnose chronic illnesses early and get treatment.

Healthcare bills are not limited to hospitalisation bills. Diagnosis, doctor consultations, medicines and follow-up visits are also included. Thus, health insurance covers pre and post-hospitalisation.

We understand that many treatments do not require full-day hospitalisations. Thus, our health insurance Kolkata plans include OPD treatment coverage as well. This ensures comprehensive protection.

With an in-house claim processing team, you don’t have to worry about third-party delays. Once you submit a claim, our team immediately starts to verify it and provide you with the claim amount.

The first thing you have to consider is the type of plan you want to get. Individual plans will cover only you, while family plans will include several members under one sum insured amount.

Next, check whether the plan you are choosing offers add-ons and riders. These can help you customise your plan according to you and your family’s needs.

Always choose a plan with a higher sum insured amount. This is helpful as medical inflation outpaces general inflation every year. This increases treatment costs.

One of the most important factors to consider is your health history. For example, a person with a chronic illness should choose a plan with a high sum insured amount.

Your health insurance Kolkata premium amount is influenced by the number of people you will include in your policy. The more people you include, the more your premium amount will be.

It refers to the number of claims an insurance company has settled versus the number of claims they have received. The best health insurance companies in Kolkata have a high claim settlement ratio.

Waiting period refers to the specific time which you have to serve before claiming for specific diseases. Try to choose a plan with minimal waiting periods.

The number of empanelled hospitals an insurance company has is a major factor. When buying health insurance, you should check if there are hospitals in your locality.

Lastly, choose a health insurance company which has a simplified online process. Bajaj General offers instant policy issuance, a fast claim settlement process and a dedicated app.