Health Insurance in Kolkata

Kolkata, the cultural capital of India, is home to renowned medical institutions like Apollo Gleneagles, AMRI, and Fortis. While the city offers advanced healthcare facilities, rising medical costs and lifestyle-related illnesses have made health insurance a necessity for residents. Specialized treatments and modern procedures often come with significant expenses, making comprehensive coverage essential for financial security.

Kolkata residents also face seasonal health challenges from vector-borne diseases during monsoon to respiratory issues caused by rising air pollution and industrial emissions. The city’s fast-paced lifestyle and stress-related ailments further underline the need for robust health coverage.

To address these growing healthcare needs, health insurance plans tailored for Kolkata offer extensive coverage across top hospitals. These plans include critical illness protection, OPD benefits, and cashless hospitalization ideal for families, working professionals, and senior citizens. Digital claim processing and app-based services ensure convenience for tech-savvy urban policyholders.

Why Buy Health Insurance in Kolkata

Coverage for Pollution

Kolkata’s air quality index often dips into the “poor” category, increasing risks of asthma, COPD, and cardiovascular conditions. Health insurance helps cover hospitalization and treatment costs for pollution-related illnesses.

Rising Healthcare Costs

Medical expenses in Kolkata have surged, with private hospital bills for major surgeries ranging from ₹2–₹6 lakh. Health insurance ensures financial protection against these escalating costs.

High Incidence of Vector-Borne Diseases

Monsoon brings a spike in dengue, malaria, and chikungunya cases. Hospitalization for severe infections can strain household budgets—insurance coverage offers peace of mind.

Unlimited SI Reinstatement

Many plans offer automatic reinstatement of the sum insured after exhaustion, ensuring uninterrupted coverage for multiple claims within the same policy year.*

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Health Statistics and Major Health Problems in Kolkata

Kolkata faces significant health challenges across multiple fronts. Dengue and malaria remain prevalent during monsoon, with thousands of cases reported annually. Air pollution is another major concern—PM2.5 levels often exceed safe limits, contributing to respiratory illnesses and cardiovascular risks. According to health reports, Kolkata records hundreds of pollution-related deaths annually, alongside rising cases of diabetes and hypertension linked to urban lifestyle changes.

Why Choose

Why Choose IndusInd Health Plans in Kolkata

IndusInd General Insurance provides top-notch services that help you get quality healthcare services in Kolkata, without worrying about out-of-pocket expenses with quick claim settlement.

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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 Kolkata

Types of IndusInd Health Plans in Kolkata

IndusInd Health Infinity Insurance

Extensive coverage up to ₹5 crore* with unlimited reinstatement ensures continuous protection even after multiple claims. Suitable for those who need high coverage without claim restrictions or coverage gaps. Our plan also offers the option to increase your sum insured by 30%* under the MoreCover add-on, providing enhanced financial protection for Kolkata’s rising healthcare costs. For ex, if you have a ₹3 Cr SI, you can get ₹90 Lakh additional cover with this add-on.

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IndusInd Health Gain Insurance

You're covered for hospitalisation, surgeries and treatments with a sum insured from ₹3 lakh to ₹1 crore*, ensuring all routine and emergency healthcare needs are covered. Perfect for individuals and families seeking extensive coverage with flexible customisation options. For ex, if you want to cover your entire family, including your spouse, dependent children and parents under the same SI, this plan is an ideal choice. It allows you to customise with add-ons and different plan variants.

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IndusInd Global Health Insurance

Provides worldwide coverage of up to USD 1 million* for planned and emergency treatments across international locations. Emergency medical treatment coverage is available when you add our multi-trip rider to your policy. Ideal for frequent travellers, expatriates and professionals working in MNCs requiring quality international + national healthcare with high coverage in USD for emergency and planned treatments, such as cancer care.

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IndusInd Super Top-Up Health Insurance

Acts as financial backup once annual medical expenses exceed the deductible limit, covering additional costs up to ₹1.3 crore*. For example, if you exhausted your ₹10 lakh health insurance for your father's surgery and need to make a second claim for his post-operative care. Then, this insurance will act as a secondary coverage for your other needs, making it ideal for Kolkata residents facing the city’s high medical costs.

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Key Features of IndusInd Medical Plans in Kolkata

We offer extensive coverage features, which include global coverage, bonuses that increase your SI after every claim free year and customisable coverage for every Kolkata citizen:

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
Critical Illness Cover
Co-Payment Options
Add-Ons & Optional Riders	20+ Add-Ons*

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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 Kolkata: 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.

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How to Buy

How to Buy/Renew IndusInd Health Insurance in Kolkata?

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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 Kolkata?

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) provides complete medical protection designed for families in Kolkata facing rising healthcare costs and lifestyle-related health challenges. Our comprehensive plans offer access to over 10,000+ cashless hospitals* nationwide, ensuring you receive quality treatment without upfront payments.

Starting at just ₹243 monthly*, you get coverage up to ₹5 Crores*, meaning your protection never runs out. With our 99.57% settlement ratio* and 4-hour claim processing*, you receive quick financial support during medical emergencies. Our lifelong renewability feature ensures continuous protection 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 (formerly Reliance General Insurance) for reliable protection, quality healthcare access, and complete financial security at an affordable price—safeguarding your family’s stability 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 Kolkata health insurance starting at ₹243/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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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