Health Insurance in West Bengal

West Bengal, a culturally rich and densely populated state, is home to leading hospitals like Apollo Gleneagles, Medica Superspecialty, and AMRI. While urban centres offer advanced healthcare, rising medical inflation and uneven access across districts make quality treatment increasingly expensive.

The state faces a dual burden of lifestyle diseases and environmental health risks. From diabetes and hypertension in Kolkata to respiratory illnesses in Asansol and Durgapur due to industrial pollution, the need for comprehensive health coverage is urgent. Seasonal outbreaks of dengue and waterborne diseases further strain public health systems.

To address these challenges, IndusInd General Insurance (formerly Reliance General Insurance) offers health insurance plans tailored for West Bengal’s healthcare landscape. Our policies provide extensive coverage across top hospitals, including critical illness protection, OPD benefits, and app-based claim processing. With family floater options and wellness rewards, we ensure financial protection for every household in West Bengal.

Why Buy Health Insurance in West Bengal

Lifestyle Disease Coverage

West Bengal reports high rates of diabetes, hypertension, and obesity—especially in urban areas like Kolkata. Our plans cover long-term treatments, diagnostics, and medication for these chronic conditions.

Cancer Risk Protection

The state has one of the highest lung cancer rates in India, with tobacco use being a major contributor. IndusInd plans include critical illness coverage for cancer and related treatments.

Respiratory Illness Management

Cities like Durgapur and Asansol rank among the most polluted globally. Our policies offer coverage for asthma, COPD, and other pollution-related respiratory conditions.

Unlimited Sum Insured Reinstatement

Your coverage automatically resets to the full original amount if exhausted during the policy year. Enjoy uninterrupted protection for multiple claims without extra premiums.

Para

Health Statistics and Major Health Problems in West Bengal

West Bengal faces significant public health challenges. Over 86,000 cancer cases were reported recently, and 62.4% of non-communicable disease deaths are due to heart disease and stroke. Hypertension affects nearly half of adults over 40, and diabetes is prevalent in 11.7% of Kolkata’s population.

Why Choose

Why Choose IndusInd Health Plans in West Bengal

IndusInd General Insurance brings you peace of mind in West Bengal with quality healthcare access and rapid claim settlements.

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 Plans in West Bengal

IndusInd Health Infinity Insurance

Get comprehensive protection with IndusInd Health Infinity Insurance coverage up to ₹5 crore and unlimited reinstatement ensure you’re covered even after several claims. This reduces the worry of exhausting your sum insured during expensive treatments. Ideal for those who want high coverage without restrictions. The MoreCover add-on lets you increase your sum insured by 30%, offering extra financial support for Delhi’s rising healthcare costs. For example, an SI of ₹3 crore becomes ₹3.9 crore with this add-on.

Explore Plan

IndusInd Health Gain Insurance

With IndusInd Health Gain Insurance, you receive full coverage for hospitalisation, surgeries, and treatments, with a sum insured between ₹3 lakh and ₹1 crore. This plan offers financial peace of mind for both routine and emergency care. It’s perfect for families and individuals who want flexible, comprehensive protection. For example, you can include your spouse, dependent children, and parents under one sum insured. The plan also allows customisation through add-ons and variants.

Explore Plan

IndusInd Global Health Insurance

With IndusInd Global Health Insurance, you get up to USD 1 million in international coverage for planned and emergency treatments. Emergency care abroad is included when you opt for our multi-trip rider. This plan is vital for uninterrupted healthcare access during travel, especially for long-term procedures. It’s best for frequent travellers, expats, and MNC professionals who require high-value coverage in India and abroad for treatments like cancer.

Explore Plan

IndusInd Super Top-Up Health Insurance

With IndusInd Super Top-Up Health Insurance, you get coverage up to ₹1.3 crore after your deductible is crossed. It’s a crucial backup when your primary insurance is insufficient for Delhi’s high-cost treatments. For instance, if your ₹10 lakh policy is used for your father’s surgery and you need to claim again for post-surgery care, this plan steps in. It’s ideal for those in Delhi facing expensive healthcare needs.

Explore Plan

Key Features of IndusInd Medical Plans in West Bengal

Our offerings feature extensive coverage, global healthcare access, SI bonuses for each claim-free year, and customisable plans designed for every West Bengal resident.

Features	Details
Premiums	Starts at ₹382 per month*
Discounts	35% + cumulative bonus
Coverage	Sum insured up to ₹5 crore
Global Sum Insured	Up to $1 million
Sum Insured Restoration	Unlimited restoration
Renewability	Lifelong renewability
Quick Claims Settlement	Settled in 4 hours
Network Hospitals	Over 10,000
Pre- and Post-Hospitalisation	90 days before and 180 days after
No Room Rent Capping
Day Care Procedures & OPD Cover
Ambulance Cover	Up to ₹3,500 per hospitalisation
Health Check-Ups
Domiciliary Hospitalisation
Maternity Coverage	Up to ₹2 lakh
Organ Donor Expenses
Covid-19 Treatment
Critical Illness Cover
Co-Payment Options
Add-Ons & Optional Riders	20+ add-ons

Disclaimer: Coverage limits are subject to change based on your chosen plan. Please refer to your policy wordings here.

Inclusions & Exclusions

Health Insurance in West Bengal: 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.

Trusted health coverage starts with the right advice

Call our West Bengal team today!

Call Us

How to Buy

How to Buy/Renew Health Insurance in West Bengal?

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.

Homepage Curated Plans Client Extension

How to File

How to File an IndusInd Health Insurance Claim in West Bengal?

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 Health Insurance (formerly Reliance General Insurance) offers complete medical protection designed for families in West Bengal facing rising healthcare costs, pollution-linked respiratory conditions, and lifestyle diseases. Our comprehensive plans provide access to over 10,000 cashless hospitals nationwide, ensuring you receive quality treatment without upfront payments.

Starting at just ₹382/month*, you get coverage up to ₹5 crore, so your protection never runs out. With our quick settlement process (4-hour claim processing), you receive quick financial support during medical emergencies. Lifelong renewability ensures continuous coverage without age restrictions, while tax-saving benefits help reduce your annual tax burden.

Don’t let medical emergencies drain your savings or compromise your family’s future. Choose IndusInd Health Insurance for reliable protection, seamless healthcare access, and complete financial security at a price that safeguards your family’s well-being when health matters most.

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 West Bengal health insurance starting at ₹382/month*!

10,000+ Hospitals at Your Fingertips!

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

Explore Plans

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Asset Publisher

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.

Homepage alternate CX

Relevant Links for Health Insurance

Health Gain Policy

Health Insurance Plans For Family

Health Insurance For Senior Citizens

Health Insurance

Health Insurance For Parents

Health Insurance - Disclaimer

AI Content Summarizer

Asset Publisher

Frequently Asked Questions (FAQs)

How many of my family members can I cover with my medical insurance?

Your health insurance plan will cover your immediate family, partner, children and parents. There are other plans that will allow you to cover more family members, like siblings and your in-laws. For parents over the age of 61, you can buy a separate senior citizen health insurance policy that offers higher coverage and dedicated SI for frequent hospital visits.

How do I stay healthy in West Bengal?

To stay healthy, eat nutritious, fresh, home-cooked food. Avoid processed, oily food and stay hydrated during the summer months. Indulge in moderate exercise and cover yourself during monsoons to prevent dengue and malaria.

What is the maximum coverage you can get with health insurance in West Bengal?

IndusInd General Insurance offers plans that provide coverage up to ₹5 crores. You can choose coverage depending on your health needs, policy duration and your financial means. You can also enhance your plan coverage with add-ons.

What is the waiting period for health insurance in West Bengal?

The waiting period is the time after you purchase health insurance during which you cannot file a claim. While accident claims are covered from the first day, for other claims, there is a waiting period of 30 days*. Pre-existing diseases have a waiting period of 1 to 3 years*, and for maternity, it is 1 to 2 years*.

Can an NRI living in West Bengal purchase health insurance?

Yes. NRIs living in India can buy health insurance based on their requirements. IndusInd offers plans with global coverage that can be used for cashless treatment internationally and in India.

How can medical insurance premiums be reduced in West Bengal?

Your health insurance premium can be reduced by opting for a higher deductible, where you pay more before the insurance kicks in. Staying healthy and opting for a basic plan with basic coverage will help you save more.

Can I have more than one health insurance?

Yes. It is possible to purchase multiple health insurance policies. If your employer provides a corporate health insurance plan, you can buy another plan depending on your coverage needs for you and your family.