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.

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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.

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Up to 40% Discount*

More coverage & more savings!

20+ Add-On Covers*

Customise your plan to your needs

AYUSH+Modern Treatments*

Get 100% SI coverage on both*

24/7 Customer Support*

Quick support anywhere in West Bengal

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, ₹3 Cr SI becomes ₹3.9 Cr with this add-on.

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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.

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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.

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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.

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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 ₹243 per month*
Discounts	35%* + Cumulative Bonus
Coverage	Sum Insured up to ₹5 Crores*
Global Sum Insured	Up to $1 Million*
Sum Insured Restoration	Unlimited restoration
Renewability	Lifelong renewability
Quick Claims Settlement	Settled in 4 hours* + 100% Digital Claims
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 lakhs*
Organ Donor Expenses
Covid-19 Treatment
Critical Illness Cover
Co-Payment Options
Add-Ons & Optional Riders	20+ Add-Ons*

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features	Features
Premium starting at	Premium starting at

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

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What is Covered?

Hospital Expenses: Covers in-patient hospitalisation, pre/post hospitalisation costs, day care procedures and ambulance charges for comprehensive medical protection.

Day 1 Coverage: We offer day 1 coverage under our health insurance plans for accident-related claims and for medical emergencies to ensure quick and comprehensive medical coverage.

AYUSH & Modern Treatments: Coverage for traditional AYUSH therapies (Ayurveda, Yoga, Unani, Siddha, Homoeopathy) and advanced treatments like robotic surgery and stem cell procedures.

Maternity & Newborn Care: Prenatal, postnatal, delivery expenses and newborn medical care coverage up to ₹2 lakh* for growing families under this add-on.

Global Emergency Cover: Medical emergency treatment costs are covered abroad for up to 45 days* with a minimal deductible during international travel.

Accident & Illness Protection: Deductible waived for accidents and premium waiver for one year* upon critical illness diagnosis for financial relief.

OPD & Home Care Services Outpatient consultations, diagnostic tests, pharmacy expenses and home-based ICU setup coverage for convenient treatment options.

Annual Health Rewards: Cumulative bonus up to 50%* for every claim-free year, plus free health check-up after 3 years* of policy continuation.

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What is Not Covered?

Non-Medical Treatments: All medically necessary costs are covered except for treatments like wellness therapies, rejuvenation treatments, dietary supplements and cosmetic surgeries.

Lifestyle and Fertility: Weight control procedures, fertility treatments, contraception and correction of refractive errors are excluded.

Legal and Statutory: Any medical expenses resulting from intentional self-injury, suicide, war or any illegal activities are not covered.

Unrelated Outpatient & External Anomalies: We cover all OPD costs that precede your hospitalisation. However, to get coverage for all OPD treatments, you'll need the OPD services add-on. We also generally do not cover congenital diseases under our plans.

Waiting Period: All accident-related claims are covered from day 1. All other claims are subject to an initial 30-day waiting period.

Experimental or Unapproved Treatment: We cover all medical treatments, except ones not approved by the Insurance Regulatory and Development Authority of India (IRDAI) or the World Health Organisation (WHO).

Unlawful or Self-Inflicted Situations: Injuries caused by self-harm, participation in illegal activities, substance abuse, riots, terrorism or war are not covered.

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!

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How to Buy

How to Buy/Renew IndusInd Health Insurance in West Bengal?

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How to Buy

Scroll up to the top of this page and enter your details. For quick premium quotes, use the calculator below.

Enter your gender, DOaB, PIN code and the number of people you'd like to insure.

Select your sum insured amount, policy tenure and any add-ons you require.

Enter your PAN number and DOB, and finish the CKYC process.

Pay securely online to receive your health insurance policy via email.

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How to Renew

Go to the form at the top of this page and click on "Renewal". You can also tap "InstaRenew" on the Self-i app.

Provide your registered mobile number or existing health insurance policy number.

Review and verify your current policy details and modify coverage if needed.

Add optional coverage or change the sum insured amount as per your requirements.

Pay the renewal premium amount and get your insurance policy renewed immediately.

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How to File

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

How to File an IndusInd Health Insurance Claim in Delhi?

Cashless Claims

Step 1

Call our helpline +91 48903009 or use the Self-i App to register a claim.

Step 2

Visit any of our network hospitals or approved non-network hospitals for treatment. Use the cashless network hospital locator widget below to find your nearest hospital.

Step 3

Submit pre-authorisation form within 24 hours for emergency or 48 hours before planned treatment.

Step 4

Provide all required medical reports and bills directly to the hospital staff.

Step 5

We will settle your medical bills directly with the hospital without payment.

Reimbursement Claims

Step 1

Inform us about your claim via helpline, email, or our Self-i App.

Step 2

Visit any authorised hospital of your choice and receive the required medical treatment.

Step 3

Pay all hospital bills and medical expenses upfront from your own pocket.

Step 4

Submit scanned documents within 7 days, including bills, reports and payment receipts.

Step 5

We will review your documents and reimburse the eligible medical expenses amount.

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

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Key Takeaway

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 ₹243/month*, you get coverage up to ₹5 Crores*, so your protection never runs out. With our 99.57% settlement ratio* and 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.

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Reliance General Insurance

Aapke Protection ka All-rounder

Reliance 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 ₹243/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

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.

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.

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: 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.

Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).

Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223

Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122

Health Super Top-Up UIN: The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.

Heath Global UIN: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324