Health Insurance In Kolkata

Kolkata has cutting-edge public and private healthcare centres offering specialised care in oncology, radiology, cardiology, and emergency care. The diverse options attract patients from nearby states but come at a high price. High medical inflation is a burden, especially for people who p ay out of pocket.

With high hospital bills, Kolkata’s rising pollution causes persistent health issues. Post-Diwali, the city's poor AQI worsens respiratory ailments like bronchitis and asthma. A resident with a pollution-driven asthma flare-up will have to pay hefty bills in the emergency room and medication costs. Having the best medical insurance in Kolkata will help them get well without debt.

IndusInd General Insurance (formerly Reliance General Insurance) addresses all of Kolkata’s health issues with its customisable health insurance plans. A key advantage of our plans is the 20+ add-ons* that provide coverage for the sum insured and global protection, as well as critical illnesses. The 24/7 customer care service makes filing claims and managing policies easy, an important aspect for busy Kolkata residents.

Why Buy Health Insurance In Kolkata?

Rising Healthcare Costs

Medical inflation in India, at 12% to 14%, is higher than the general inflation rate. Paying for treatment at private and public hospitals is getting expensive. Recurring health conditions would only add to the expenses. An IndusInd health insurance will protect you from sudden illness and high bills.

Covers Pollution Drivers Ailments

High air pollution is causing poor air quality and triggering a range of health conditions in Kolkata. It can cause respiratory conditions like asthma and bronchitis, and increase the risk of cardiac arrests and strokes. Without an insurance plan, these conditions could push residents into debt.

Quick Cashless Claims

Don’t wait for days on end for your medical bills to be paid. File your cashless and reimbursement claims online, and IndusInd General Insurance will settle them in four hours*. Get healthy without the financial stress.

Unlimited SI Reinstatement

If ongoing health complications have exhausted your policy coverage, IndusInd General Insurance offers unlimited SI reinstatement. Your sum insured is automatically renewed when depleted. Your family stays protected from pollution with our policies.

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Kolkata Health Statistics

Kolkata residents’ health concerns are primarily linked to the rising pollution levels. Poor AQI has been linked to inflammation, asthma and reduced capacity of the lungs. Besides respiratory issues, this has also increased cases of cardiovascular diseases, such as strokes and heart attacks, as well. Viral outbreaks have also been reported, where residents are contracting conjunctivitis.

Why Choose

Why Choose IndusInd Health Plans in Kolkata

Enjoy comprehensive coverage for all your health needs with SI up to ₹5 crore for modern and AYUSH treatments. Get claims settled in four hours and boost your policy with 20-plus riders.

Location - Health Insurance

Up to 40% Discount

Get up to 40% discounts on your premium

20+ Add-On Covers

Enhance coverage with add-ons for your policy

AYUSH+Modern Treatments

Includes modern and AYUSH treatments

24/7 Customer Support

Quick claims and queries support

Types of IndusInd Health Insurance In Kolkata

IndusInd Health Infinity Insurance

One of the best mediclaim policies in Kolkata, it offers coverage up to ₹5 crore. It offers automatic reinstatement of the sum insured after coverage is depleted and cumulative bonuses on claim-free years. Increase your coverage by 30% and get international coverage of up to ₹50 lakh with add-ons.

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IndusInd Health Gain Insurance

A fully customisable policy, the Health Gain plan offers coverage between ₹5 lakh and ₹5 crore. Get covered for surgeries, medical treatments, and hospitalisations for individuals in the age range 91 days to 65 years. Double your coverage with the Double Cover add-on and add up to 12 members to your plan.

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IndusInd Global Health Insurance

The IndusInd Global Health Insurance plan provides coverage for medical procedures abroad with coverage up to $1 million. Get covered for diagnosis, hospitalisation and post-hospitalisation care costs for multiple trips with the Multi Trip add-on. This plan also covers claims in India up to ₹3 crore and international claims.

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IndusInd Super Top-Up Health Insurance

An add-on plan for your base plan, this policy offers extra coverage up to ₹1.3 crore. Build a safety net, if you exhaust your primary policy and still have bills to pay. Receive maternity benefits of up to ₹2 lakh and waivers on premium for one year if you get diagnosed with a critical illness.

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Key Features of IndusInd Health Insurance In Kolkata

Get an upper hand on pollution with the best health insurance in Kolkata. With IndusInd General Insurance, get coverage up to ₹5 crore, bonuses on claim-free years, international coverage, and treatment at a vast network of hospitals.

Features	Description
Premiums	Starting at ₹382 per month*
Discounts	Upto 35% in discounts
Coverage	Up to ₹5 crore
Global Sum Insured	Up to $1 million
Sum Insured Restoration	Automatic restoration
Renewability	Lifetime renewability
Quick Claims Settlement	Settled in 4 hours
Network Hospitals	10,000+ hospitals
Pre- and Post-Hospitalisation	90 days prior to and 180 days following hospitalisation
No Room Rent Capping
Day Care Procedures & OPD Cover
Ambulance Cover	₹3,500 per hospitalisation
Health Check-Ups
Domiciliary Hospitalisation
Maternity Coverage	Up to ₹2 lakh
Organ Donor Expenses
Critical Illness Cover
Co-Payment Options
Add-Ons & Optional Riders	20 plus riders and add-ons

Disclaimer: The numbers mentioned here are likely to change. Please consult us or refer to your policy documents for more details.

Inclusions & Exclusions

Health Insurance in Kolkata: Inclusions and Exclusions

Location - Health Insurance

What is Covered?

Hospital Expenses: Policies cover costs related to inpatient stays, pre- and post-hospitalisation, day-care procedures, and ambulance services.

Day One Coverage: All accident claims get covered by our health insurance plans from day one, providing immediate support during critical times.

Modern and AYUSH Treatments: IndusInd insurance covers traditional options like Ayurveda, Yoga, Unani, Siddha, and Homoeopathy, with modern treatments.

Maternity and Newborn Care: Mothers and babies receive maternity benefits of upto ₹2 lakh, including support for prenatal, postnatal, delivery and newborn expenses.

Worldwide Emergency Cover: Get protection for medical emergencies abroad, for up to 45 days. There is a minimum deductible for international travel.

Accident and Wellness Protection: No deductibles on accident claims, and a one-year premium waiver if you are diagnosed with a critical illness.

OPD and Home Care Service: Includes outpatient consultations, medicines, diagnostic tests, and home-based ICU setups for convenient, affordable care.

Annual Health Rewards: Receive a cumulative bonus of up to 50% on the sum insured for each claim-free year. Additional free health check-ups after three continuous policy years.

Location - Health Insurance

What is Not Covered?

Non-Medical Treatments: Costs for medical procedures are covered, but not for cosmetic procedures, wellness programs, rejuvenation therapy or dietary supplements.

Lifestyle and Fertility: Any costs related to weight loss, fertility treatments, contraception, and eye-sight corrective surgeries, such as LASIK, are not included.

Legal and Statutory: Medical costs from self-injuries, riots, terrorism, war or any unlawful act are not covered by the policy.

Unrelated Outpatient and External Anomalies: IndusInd covers pre-hospitalisation OPD costs, but general OPD costs are covered with an add-on. Congenital diseases are excluded.

Waiting Period: Claims for accidents are covered from day one, but all other emergencies and procedures have a 30-day waiting period.

Experimental or Unapproved Treatments: IndusInd General Insurance includes only IRDAI and WHO-approved treatments. Experimental and unproven procedures are not covered.

Unlawful or Self-Inflicted Situations: Any expense arising out of substance abuse, hazardous activities, or illegal actions is excluded.

Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.

Get expert advice and cashless coverage.

Contact our Kolkata team today.

Call Us

How to Buy

How to Buy/Renew Health Insurance in Kolkata?

Location - Health Insurance

Buy Online

Get quotes from the calculator below and fill out the form at the top of this page.

Fill out your DOB, gender, PIN, and the family members you want to insure.

Choose the policy tenure, sum insured, and add-ons for your policy.

Enter your PAN and complete the CKYC process when prompted to.

Make a secure online payment and get your health insurance policy via email.

Location - Health Insurance

Renew Online

Click on ‘Renewal’ at the top of this page or ‘InstaRenew’ from the IndusInd Insurance app.

Fill out your registered mobile number or your health insurance number.

Verify policy details and make any changes needed.

Make changes to the coverage or select add-ons if necessary.

Make an online payment for the premium, and your policy is renewed.

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How to File

How to File an IndusInd Health Insurance Claim in Kolkata?

How to File an IndusInd Health Insurance Claim in Delhi?

Step 1

Step 2

Find the nearest network cashless hospital from the link below and get treatment.

Step 3

Fill the pre-authorisation form 24 hours before for emergencies and 48 hours for planned treatments.

Step 4

Submit your medical reports and bills to the hospital.

Step 5

IndusInd General Insurance will pay your bills directly to the hospital.

Step 1

Tell us about your claim by email, call or the IndusInd Insurance app

Step 2

Get treatment from the nearest hospital in our network of authorised hospitals.

Step 3

Pay all necessary bills and tests at the hospital.

Step 4

Scan and submit invoices, reports, and bills within seven days.

Step 5

We will reimburse the paid amount after review.

Disclaimer: For accurate claim-related information, kindly refer to our policy documents or get in touch with our experts.

Key Takeaways

IndusInd General Insurance (formerly Reliance General Insurance) has insurance plans tailored for Kolkata’s health concerns. Our health insurance plans offer high coverage up to ₹5 crore for yourself and up to 12 family members. Protect your parents from the dangers of high AQI with our 20+ riders, which also allow you to increase your coverage by ₹1.3 crore.

Get maternity benefits up to ₹2 lakh for mother and baby and a premium waiver for a year if you get diagnosed with a critical illness. For regular travellers, our plans will provide coverage up to $1 million for medical treatments done abroad and in India. To support our feature-packed insurance plans, we are available 24/7 for your queries and to settle your claims.

Renew or buy your IndusInd medical insurance online to unlock exclusive discounts and automatic reinstatements and protect yourself and your family from any financial troubles.

Authors - Location -Health

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Get Kolkata health insurance starting at ₹382/month*!

10,000+ Hospitals at Your Fingertips!

Get cashless treatment at Kolkata’s top hospitals without payment hassles. With IndusInd General Insurance, you get instant access to quality healthcare across the city.

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

Can NRIs buy health insurance in Kolkata?

Yes. NRIs can buy medical insurance in Kolkata. IndusInd General Insurance has plans providing coverage for international medical treatments. We have a network of hospitals where you can avail of cashless treatment, and you can renew your policy online.

Why should I buy health insurance in Kolkata for my newborn?

Newborns have weaker immune systems and are highly susceptible to health issues. With IndusInd General Insurance, you can cover costs of delivery, newborn care and all other maternity costs.

How do I stay healthy in Kolkata?

To battle the poor air quality and resulting health conditions in Kolkata, consume boiled and filtered water and engage in exercise to keep the cardiovascular system active. Avoid oily, processed food and ensure you have enough sleep.

Which is the best health insurance in Kolkata?

To find the best mediclaim policy in Kolkata, determine the coverage needed, family members you wish to include in it and any existing health conditions. Compare several policies and check their premiums, add-ons, reinstatement and claim settlement process. Before making a purchase, contact the insurance provider for more details.

Which documents will I need to raise claims for my health insurance in Kolkata?

For reimbursement claims, you need your existing policy number and all medical bills, tests, reports and receipts. To make a cashless claim, contact us before hospitalisation and fill out the pre-authorisation form, and we will settle the bill with the hospital after you are discharged.

Are preexisting conditions covered by IndusInd health insurance?

Yes. Pre-existing conditions are covered by IndusInd health insurance. There is a mandatory waiting period during which claims cannot be made, and after which the policy becomes effective. Contact our team for more details.