Health Insurance in Kolkata

Buying health insurance plans in Kolkata is a one-stop solution to manage steep medical costs. Kolkata, also referred to as Calcutta, is the capital of West Bengal. It is also India's cultural capital. Thus, as one would expect, it houses several business, commercial and military ports; not to mention the Calcutta Stock Exchange. With such increased development comes an increase in job opportunities. And what likely follows is increased pollution, work stress, unhealthy food habits and other health-endangering factors. On this page, we'll be discussing ACKO's 1 Crore Sum Insured Medical Plan and its benefits. If you are a resident of Kolkata or are soon to be one, read ahead to know more!

Buying health insurance plans in Kolkata is a one-stop solution to manage steep...

Why Health Insurance In Kolkata Is Vital?

According to a recent National Family Health Survey (2019-21), over 12% of women and 16% of men have high blood glucose levels. Also, 12% of women and men have hypertension, which leads to cardiovascular diseases. Due to increasing air pollution, the number of people with asthma is also rising. The same report highlights that only 29% of households have the most basic health insurance to meet healthcare expenses.

Kolkata’s residents also encounter other health challenges due to the city’s status as an IT industry and several industrial centres. Even though most of the healthcare facilities within the city are well-equipped, accessing treatment is very expensive. If an individual is not well-covered in insurance, they soon find himself struggling to make ends meet with medical bills. This is why it’s essential to have a good health insurance policy to help during such methods requiring health care.

Reasons to Buy Health Insurance In Kolkata

A comprehensive health insurance policy acts as a protective safety net and saves you from financial strain in medical emergencies. Anyone can get sick at any time, but health insurance takes away your money worries and offers the following benefits:

It safeguards your savings during a medical emergency.
It covers critical illnesses, day care procedures, ambulance charges and hospitalisation.
You will also be covered for pre and post-hospitalisation expenses.
Instant consultations with experienced doctors via phone call are available.
You can claim Section 80D of the Income Tax Act, 1961 to get a health insurance premium tax deduction.

Why Choose Online Health Insurance In Kolkata?

Now that we have made a case for the need for health insurance in Kolkata, here’s why it is more advantageous to buy it online than offline:

cost saving

More cost-effective

Buying health insurance plans in Kolkata online is more cost-effective than purchasing through an insurance company’s branch office. This is because online insurers like ACKO customise your health plan based on your specific needs so that you pay only for the coverage you need instead of buying a generic policy offline.

Easy & Convenient

More convenient

Both purchasing a health policy and raising claims during a medical emergency can take a while if you opt for offline health insurance. Online insurance, in contrast, can be purchased more quickly from anywhere. Raising claims is also streamlined thanks to the digital processes and ACKO mobile app.

Compare and buy

Easily compare options

Comparing different types of health insurance plans offline in Kolkata can be an arduous task. Alternatively, if you compare plans online, you can do so very easily and in no time. All you have to do is go to different insurer websites and compare plans based on their cost-to-benefit ratio.

Benefits of Buying Medical Insurance in Kolkata from ACKO

ACKO is a leading digital-first insurance provider in India and offers medical insurance in Kolkata. One of our unique offerings in the city is an insurance plan with a Rs. 1 Crore sum insured. Below is a table showing its key features:

Key Features	ACKO Advantage

Deductions at claim	Nil
Waiting period	Nil
Room rent	Up to Rs. 1 crore (any hospital room of your choice)
Co-payment	0%
Daycare treatment	Up to Rs. 1 crore
Post-hospitalisation	120 days
Pre-hospitalisation	60 days
Ambulance charges	Up to Rs. 1 crore
Preventive health checkup	Every year for insured members above the age of 18 years
Critical Illness Cover	Included in the same plan
Intensive Care Unit (ICU) charges	Up to Rs. 1 crore
COVID-19 treatment	Up to Rs. 1 crore
AYUSH treatment	Up to Rs. 1 crore
Teleconsultations	Up to Rs. 1 crore
Network hospitals	10,500+
Inflation protect	10% increase of sum insured per annum

What is Covered and Not Covered: ACKO Health Insurance Plan in Kolkata

If you buy ACKO’s 1 Cr. Sum Insured Plan you benefit from the following coverages:

Medically required hospitalisation: Health plans usually have a limit to the extent of medical scenarios that they cover. However, under ACKO’s 1 Cr Health Plan you can receive coverage for medically necessary hospitalisations.
Transportation during a medical emergency: If you require immediate medical attention in a locality which doesn’t have proper medical facilities, we will cover the cost to transport you to a well-equipped healthcare centre. The transportation modes we cover include ambulance, train and commercial and medical aircrafts.
Ambulance fees: Health plans rarely cover transportation expenses from your residence to the hospital and back. Fortunately, ACKO’s plan covers these trips up to the sum insured limit of Rs. 1 Crore.
Pre and post-treatment coverage: Our coverage doesn’t just end with covering hospitalisation costs. We also cover pre-hospitalisation expenses up to 60 days and post-hospitalisation expenses up to 120 days.
Daycare treatment costs: Daycare procedures are medical treatments that require less than 24 hours of hospitalisation. Some popular examples are cataract surgery, radiotherapy, adenoidectomy, etc.

ACKO’s medical plan covers nearly all medical expenses with the exception of a few. The following are some of its exclusions:

Undisclosed health conditions: At the time of buying our health policy, you must disclose all your past and present health conditions. Medical conditions that are not communicated to us will not be covered in the case of a claim.
Maternity-related medical costs: Our health plan does not cover childbirth or delivery-related expenses.
Weight-loss procedures: We cover weight-loss treatments only if prescribed by your doctor.
Gender-changing operations: We do not cover procedures to change one’s gender.
Infertility and sterility treatments: Our health plan does not cover procedures to treat infertility or sterility.
Sight-correction treatments: We do not cover treatment or surgery for eyesight that is tested to be below 7.5 dioptres.
Suicide attempt: We do not cover medical expenses that may result from a suicide attempt.
Medical equipment and devices: We do not cover the costs of prosthetics and medically necessary devices.
Supplements and hormonal therapy: The plan does not cover the cost of buying supplements or undergoing hormone therapy.
Cosmetic and dental procedures: Our medical policy does not cover cosmetic or dental surgeries unless required after sustaining accidental injuries.

List of Our Cashless Network Hospitals in Kolkata

Network hospitals are medical facilities that your insurer has a tie-up with. So, if you get treated in these facilities, your insurer will pay the hospital charges on your behalf as per the terms of the policy. The following are some of the reputed medical institutions in Kolkata that are a part of ACKO’s hospital network for cashless treatments.

Desun Hospital
Rabindranath Tagore Surgical Centre
Medica Superspeciality Hospital
Fortis Hospitals Limited
Peerless Hospital and B K Roy Research Centre
Ruby General Hospital
Bhagirathi Neotia Woman & Child Care Centre
The Calcutta Medical Research Institute (CMRI)
Belle Vue Clinic
Institute of Neurosciences Kolkata
Mission Of Mercy Hospital & Research Centre
Amri Clinic (Unit: AMRI Ltd.)
B.P. Poddar Hospital & Medical Research Ltd
Apollo Gleneagles Hospital
The Calcutta Medical Research Institute (CMRI)

There are just a few of our prominent network hospitals in Kolkata. To access the full list, click here.

Tips for Finding the Best Health Insurance Policy in Kolkata

Want to find the best medical insurance in Kolkata? Here are some tips:

Purchase medical insurance online

Compare different plans using online comparison tools and choose the best suited policy. Save money by avoiding middlemen and customising your insurance policy through ACKO.

Assess your insurance requirements

Before buying a medical plan, it is wise to be aware of your health condition and the probable medical costs. That way you can choose a plan with favourable coverage as per your needs.

Opt for broad coverage

Choose a plan that offers maximum coverage based on your insurance requirements and budget.

Use of an insurance premium calculator

Usually, online insurers like ACKO have a health insurance premium calculator on their website. You can use this tool to generate a free quote. Then, compare multiple quotes from different online insurers to make an informed decision.

Find out the network hospitals

You can go about this by referring to the policy document or the insurer’s website. We recommend that you choose an insurer with a good range of reputed network hospitals.

Less or no waiting period

Most medical policies have a defined waiting period for specific health conditions. So, look for a plan that has a lower or no waiting period.

Avoid copayments and deductibles

Cost-sharing schemes in health plans can be attractive because they lower the payable premium. However, when making a claim, you will have to arrange finances for a part of the medical expenses. So, it is better to choose a plan that offers complete coverage without copayments or deductibles.

Types of Health Insurance Plans in Kolkata

Here are the different health plans in Kolkata. Note that these plans are subject to availability.

Frequently Asked Questions

What should you consider when looking for the best health insurance in Kolkata?

Some criteria to consider while searching for the best health insurance in Kolkata include no cost-sharing clauses, less or no waiting period, reasonable sum insured limit, high claim settlement ratio and a good range of credible network hospitals. ACKO’s Platinum 1 Cr Health Plan was created considering all these factors. Thus, it fulfils all these criteria.

How do I receive cashless treatment in Kolkata?

You can receive cashless treatment in Kolkata by getting treated in an insurer network hospital. However, make sure to inform your insurer within 24 hours during a medical emergency. Alternatively, if it is a planned hospitalisation, make sure to inform your insurer 48 hours prior to the treatment. Also, note that coverage will be only as per the inclusions of the plan.

Does ACKO’s health plan cover hospitalisation in non-network hospitals?

Yes, ACKO covers hospitalisation in non-network hospitals too. The only difference is that instead of cashless treatment, you must pay from your pocket and later get your expenditure reimbursed by ACKO. Note that reimbursement will be granted only as per the terms and conditions of the policy.

Who can buy the health insurance plan in Kolkata?

All existing and new New India Assurance customers residing in Kolkata, along with families and elderly, can opt for these plans. They are supposed to offer the cheapest and most inclusive health care for all the people.

Are all these plans capable of catering to programs for pre-existing ailments?

Yes, these plans cover pre-existing conditions after the waiting period has been met. Some of these policies also have plans with no waiting periods, hence making them available as soon as possible.

Written by Roocha Kanade

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Reviewed by Rupinderjit

A content enthusiast who turns complex topics into easy, binge-worthy reads—fueled by SEO, creativity, and way too much chai! Loves juggling multiple projects, cracking impossible deadlines, and sprinkling humor into the mix. When not geeking out over digital trends, you'll find her lurking on Quora and Reddit, planning the next getaway, or passionately decoding all things health and insurance!