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As much as Kolkata is known for its art and rich culture, it’s also known for its excellent healthcare facilities. However, getting required medical care in Kolkata is expensive because it is a metro city, especially since the COVID-19 pandemic.
Thus, to secure proper healthcare and treatment facilities, its citizens need to have the best health insurance in Kolkata. It provides adequate financial coverage to protect yourself and your loved ones from unprecedented medical emergencies.
With Reliance General Insurance’s Health Insurance for Kolkata, you can be assured of getting the required treatment on time with quick claim processing and 24/7 assistance. The best health insurance company in Kolkata and your #HealthKaYaar will offer:
Emergencies can strike at any time and can leave you financially and emotionally strained. However, if you have health insurance, it will offer coverage to treat such medical emergencies, reducing your overall stress.
The best health insurance in Kolkata offers financial protection, minimises your financial burden and allows you to focus on the necessities of life. You can claim your insurance in emergencies and avoid paying upfront.
Kolkata residents face a rise in critical illnesses like heart disease and cancer. Health insurance helps cover expensive treatments for such diseases, ensuring you get timely care without depleting savings.
Also Read: Critical Illness Plan Is A Supplement To Your Health Insurance Portfolio
Kolkata faces significant public health challenges due to its dense population, poor air quality and rising temperatures. The city frequently experiences respiratory issues caused by air pollution, particularly during winter when PM2.5 levels exceed safe limits.
Additionally, heatwaves, heightened by the "urban heat island effect," increase the risk of heat-related illnesses such as heatstroke.
Vector-borne diseases like dengue and malaria also spike during the monsoon season, contributing to hospitalisations. The city's ageing infrastructure and high traffic congestion further contribute to these problems.
Health Issue
Statistics (2023)
Respiratory Diseases
Over 30% of residents affected during peak pollution
Dengue Cases
1,500+ cases annually during monsoon
Heat-Related Illnesses
Increase in heat wave-induced illnesses during summer
Waterborne Diseases
Frequent outbreaks of cholera and typhoid in slum areas
These statistics highlight the importance of preventive healthcare and medical insurance in Kolkata to manage both chronic and seasonal health conditions.
Source: State Action Plan for Climate Change & Human Health, West Bengal (2023)
Kolkata, like other metropolitan cities, has rising healthcare costs due to rapid urbanisation. There is also an increasing prevalence of lifestyle diseases such as diabetes, hypertension and heart conditions.
The city's air pollution, particularly in congested areas, contributes to respiratory illnesses such as asthma and chronic bronchitis.
The risk of vector-borne diseases like dengue and malaria spikes during the monsoon season, leading to unexpected hospitalisation costs.
With Kolkata's extensive traffic and accident-prone areas, the chances of requiring emergency medical care are high.
Having medical insurance in Kolkata provides access to quality medical facilities and cashless hospitalisation across Kolkata's numerous private hospitals.
The best way to calculate the coverage you need to ensure adequate financial protection is to analyse your current health condition, lifestyle and income. It is generally recommended that 2% of your annual income go towards health insurance premiums.
This way, paying your medical insurance premium does not cause an additional burden for you. So, for example, if you earn ₹5 lakh annually, then ideally, you must invest ₹10,000 as health insurance premiums.
But how would you know if the maximum sum insured for the premium paid is sufficient?
To ensure you are not under-insured, follow the thumb rule of securing at least 50% of your annual income. Additionally, consider the expenses made in the last couple of years on medicines and treatments and the age of the insured individual(s).
For residents of Kolkata, here is an estimate of the required coverage:
Insured Person(s)
Estimated Sum Insured
Individual
₹10 lakhs +
Family
₹30 lakhs +
Senior Citizens
₹20 lakhs +
To derive an estimate yourself based on your coverage details, age and income, you can use our online health insurance premium calculator.
Reliance’s Best Health Insurance Policy in Kolkata
Description
Reliance Health Global Plan
● Provides international coverage for planned hospitalisations abroad.
● Pre-existing conditions are covered after a waiting period.
● Global coverage of up to USD 1 million for specialised illnesses.
Reliance Health Infinity Plan
● Unlimited sum insured options for comprehensive coverage.
● Covers daycare treatments and pre- and post-hospitalisation expenses.
● Wellness services and annual health check-ups.
Reliance Hospi Care Insurance Plan
● Fixed daily cash benefit for hospitalisation expenses.
● Covers 150+ surgeries, including ICU and room rent, without sub-limits.
● Lump sum benefits for diseases like dengue and malaria.
Reliance Specially-Abled Health Insurance
● Customised for individuals with disabilities, covering medical expenses and rehabilitation.
● Coverage for pre-existing conditions after a waiting period.
● Special cover for cataract treatment and rehabilitation services.
Reliance Super Top-Up Plan
● Provides additional coverage beyond your existing policy.
● Sum insured options up to ₹1.3 crore.
● Affordable premiums with higher coverage.
Key Features
Reliance Advantage
Pre- and Post-Hospitalisation
Coverage for up to 60 days pre and 90 days post-hospitalisation
Daycare Treatment
Covers treatments that do not require 24-hour hospitalisation.
Network Hospitals
10,000+ hospitals nationwide
AYUSH Treatment
Coverage for alternative treatments like Ayurveda, Homeopathy, etc.
Annual Health Check-ups
✓
Cashless Claims
Available across all network and non-network hospitals
Critical Illness Coverage
Coverage for serious illnesses like cancer, heart disease
No-Claim Bonus
Incremental bonus for every claim-free year
Maternity Coverage
Ambulance Cover
Wellness Programs
Access to wellness services, discounts on diagnostics
Unlimited Sum Restoration
Optional Add-ons
We provide a wide range of add-on options that enhance your coverage. These include OPD cover, maternity cover, hospital daily expenses, additional coverage, etc.
Our online platform allows you to easily compare plans, select the coverage you need and receive instant quotes. Additionally, you can access our health insurance premium calculator to derive an estimate and make an informed decision.
Buying medical insurance in Kolkata online ensures convenience, quick access to policy details and exclusive discounts, all from the comfort of your home.
We offer discounts of up to 40% when purchasing our health insurance plan online. Additionally, you can earn a cumulative bonus for claim-free years which is applied instantly at the time of renewal.
When you buy our policy online, you avoid tedious paperwork and complete the process quickly. You only need to complete a few steps and submit the necessary KYC documents on our online portal.
Types of Best Health Insurance Policy in Kolkata
Individual Health Insurance
Offers coverage for hospitalisation, treatments and medical emergencies for a single individual.
Senior Citizen Health Insurance
Specially designed for those over 60, covering age-related ailments and treatments.
Group Mediclaim Policy
Provides health coverage for employees, ensuring corporate protection and healthcare.
Family Health Insurance
Covers medical expenses for the entire family of up to 8 members under a single policy coverage.
Critical Illness Health Insurance
Covers life-threatening illnesses such as cancer, total blindness and kidney failure.
Reliance Global Health Plan
Offers global medical coverage, covering planned hospitalisations abroad for up to USD 1 million.
Also Read: Celebrate Age with Senior Citizen Health Insurance
AYUSH treatments
Pre- and post-hospitalisation expenses for 30-90 days
Hospitalisation expenses related to illness or injury, including room rent, ICU charges, doctor’s fees and nursing expenses
Daycare treatments
Emergency ambulance charges
Coverage for domiciliary hospitalisation
Cover for organ donor expenses
Coverage for cataract surgeries
Modern treatment methods
Annual health check-ups
Hospitalisation for investigation and evaluation
Expenses for rest cure, respite care or rehabilitation
Treatment for obesity
Experimental or unproven treatments
Expenses for cosmetic or aesthetic surgeries or treatments
Gender change treatments
Treatment for injuries or illnesses resulting from war, nuclear activities or terrorism
Self-inflicted injuries
Before you decide on the maximum sum insured and pay the premium, make a financial plan. This way, you can determine the amount of money you can put aside for health insurance premium payments for choosing a realistic plan.
To choose the best mediclaim policy in Kolkata, having a low waiting period for pre-existing illnesses or critical illnesses. Having a low waiting period will ensure that you receive the insurance benefits earlier and at the time of need.
Ensure that while choosing a plan, the insurer has a good record of claim settlement. We boast a claim settlement ratio of 100%, ensuring quick settlement and receiving financial aid during your hospitalisation.
Having a higher sum insured means higher coverage. Thus, choose a plan that provides you with the highest sum insured for your needs. For example, if you need coverage for cancer, you will need a higher coverage than offered by a standard policy. In that case, choose our critical illness health insurance plan to get more coverage.
Go to the Reliance Health Insurance page to buy a suitable healthcare plan in Kolkata.
Enter your personal details, such as name, age, mobile number and location (pin code). Then click on “View Prices”.
Select the best plan for you and your family. For example, if you want coverage for your parents over 60, select our senior citizen health insurance plan.
Choose the sum insured and add the required optional add-ons. Review the revised quote.
Pay for the premium online and receive your medical insurance in Kolkata instantly via email.
Visit the Reliance Renew Health Insurance page to renew your policy quickly.
Input your policy details or mobile number and proceed.
You will be displayed with your current health insurance plan.
Review it and make modifications as required. This is also the best opportunity to add an add-on.
Renew your best mediclaim policy in Kolkata by completing the online payment.
Identity proof, such as an Aadhaar Card, Passport, Driving Licence, etc.
Medical reports
Age proof, such as a Driving Licence, Aadhaar Card, Passport, etc.
Recent passport-size photos
C-KYC completion as per IRDAI’s AML guidelines
Proof of income, such as ITR forms, bank statements, salary slips, etc.
Initiate your claim for any healthcare emergency instantly in Kolkata using the following:
Calling our helpline at +91 48903009,
Emailing us at rgicl.rcarehealth@relianceada.com or
Through the Reliance Self-i App.
To benefit from cashless hospitalisation, go to any hospital near you, whether it is a network or non-network hospital.
Complete and submit a pre-authorisation form within 24 hours of emergency admission. If you are being hospitalised for planned treatment, please submit the form within 48 hours.
Attach supporting medical documents along with your claim form. This includes lab reports, prescriptions or diagnosis reports.
Prepare the documentation and submit it to us. We will settle the medical expenses with the hospital without you paying upfront.
*Note that the deductibles or uninsured treatments will have to be covered by you.
Initiate your claim for the best health insurance in Kolkata using any one of the methods (refer to step 1 of cashless claims).
Visit an authorised hospital for necessary treatment.
With this claim type, you will have to pay all the treatment bills upfront. Get the necessary documents from the hospital at the time of discharge.
Submit copies of these documents, including bills and reports, within 7 days of discharge, along with a duly filled claim form.
You will get the reimbursement of the expenses after the claim is examined.
First Information Report (FIR), if applicable
Duly filled claim form
Original bills and payment receipts
Medical reports
Prescription from doctors
Pharmacy bills
Any other specific documents
Discharge summary
FIR (in case of accidents)
*Find an extensive list of documents for specific healthcare needs.
With the IRDAI’s Cashless Everywhere mandate, Reliance policyholders can now enjoy seamless cashless claims at any hospital in Kolkata (and any other city in India). Here are some key points to note about our network hospitals:
Reliance General Insurance offers an extensive network of hospitals in Kolkata, ensuring easy access to cashless treatments during emergencies or planned medical procedures.
With over 10,000+ network hospitals across India, Kolkata residents can choose from several reputable healthcare institutions for hassle-free medical services.
The availability of cashless hospitalisation ensures that Reliance policyholders do not have to worry about upfront payments, as we settle the hospital bills directly.
Whether it is for major surgeries, outpatient treatments or daycare procedures, the hospitals offer diverse medical specialities and advanced infrastructure.
This best health insurance policy in Kolkata ensures residents have access to prompt medical care without the burden of financial stress, especially during emergencies.
To locate a network hospital near you, Reliance General Insurance offers an easy-to-use hospital locator tool. This tool can help you find the right facility for your healthcare needs.
Kolkata’s air pollution levels, especially in congested areas, can exacerbate respiratory conditions. Use air purifiers and wear masks when outdoors.
The city’s hot and humid climate demands sufficient water intake. Drink plenty of fluids to stay hydrated, especially during summer.
The city’s monsoon season often leads to outbreaks of vector-borne diseases like dengue. Use mosquito repellents and ensure there’s no stagnant water around your home.
To maintain good physical health, take advantage of Kolkata’s parks, like Rabindra Sarobar, for daily walks or yoga.
Incorporate locally available seasonal fruits and vegetables to boost your immunity and overall health.
Also Read: Health for All
Yes, Reliance General Insurance offers health insurance to NRIs in Kolkata. NRIs can also opt for the Reliance Health Global Plan, which offers international coverage for planned treatments abroad. This flexibility ensures that NRIs are protected both in India and globally.
Buying health insurance at a young age is beneficial because premiums are lower compared to purchasing it at an older age. As you age, the risk of developing health conditions increases, leading to higher premiums and possibly more exclusions.
Young individuals typically qualify for no-claim bonuses, increasing coverage without additional cost. Early coverage also ensures that you are financially protected from unforeseen medical emergencies before developing any health issues.
Yes, Reliance’s health insurance plans in Kolkata cover treatment for COVID-19. Additionally, we offer two policies dedicated to COVID-19 treatment and care: the Corona Kavach Policy and the Corona Rakshak Policy.
These are available for individuals and families and offer higher sum insured or lump sum payments (depending on the plan you choose). However, we advise you to review specific terms related to these covers in your policy documents.
You can calculate health insurance premium quotes by visiting Reliance General Insurance’s website. By providing details such as age, sum insured and the type of coverage (individual, family floater, etc.), you will get an instant quote.
Our health insurance premium calculator will help you determine the best plan based on your healthcare needs and budget.
Health insurance is more comprehensive than mediclaim. While mediclaim covers basic hospitalisation expenses due to accidents or illnesses, health insurance provides broader coverage. This includes pre- and post-hospitalisation, critical illness cover, daycare treatments and more.
Health insurance is ideal for those looking for extensive coverage and flexibility, while mediclaim suits those seeking protection for short-term or emergency hospitalisations.
Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
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