Health insurance in Kolkata
All hospital expenses*, 100% covered
✅ Zero waiting period ✅ Zero deductions at claim
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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.
Buying health insurance in Kolkata is a one-stop solution to manage steep medical costs. 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!
Why do you need for health insurance in Kolkata
Since Kolkata is inundated with IT companies and other industries, there is a higher risk of developing lifestyle related illnesses. In fact, according to the National Family Health Survey (2005-06), 18% of men and 30% of women are overweight or obese in Kolkata. The same report goes on to say that the prevalence of Tuberculosis in the city is also on the higher side.
Although a city like Kolkata may have all the necessary medical facilities to treat different medical conditions, the costs could amount to a lot. During a health crisis, the last thing you want to do is scramble around for finances. Thus, it is wise to proactively purchase a health insurance policy to be financially secure during medical emergencies.
Why should you buy 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.
More cost-effective
Buying health insurance plans in Kolkata via the online mode is more cost-effective than buying them through an insurance company’s branch office. This is because online insurers save a lot on operational costs and can reduce costs on their health plans significantly.
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.
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 special offerings in the city is an insurance plan with a whopping Rs. 1 Crore sum insured. Below is a table that enumerates its other 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 | 14,000+ hospitals |
| Inflation protect | 10% increase of sum insured per annum |
Inclusions
Exclusions
What is covered in the 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.
What is not covered in the ACKO Health Insurance Plan in Kolkata?
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.
Note: The above-listed inclusions and exclusions are only mentioned for explanatory purposes. Kindly go through the policy wordings to know the exact coverages.
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
You can find the best medical insurance in Kolkata by following these below-mentioned tips.
Purchase medical insurance online: As mentioned earlier, online health insurance is significantly more cost-effective and convenient than its offline alternative. It also gives you a bird’s-eye view of the different insurance options so you can easily choose the best health insurance in Kolkata.
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 coverages as per your needs.
Opt for broad coverage: Choose a plan that offers maximum coverage based on your insurance requirements and budget.
Make 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.
Reasons to buy health insurance in Kolkata
Below-listed are some of the other important reasons why you should buy wide-ranging health insurance in Kolkata.
It safeguards your savings during a medical emergency.
It offers coverage for critical illnesses, daycare procedures, ambulance charges and hospitalisation.
You will also be covered for pre and post-hospitalisation expenses.
Avail of instant consultations with experienced doctors via phone call.
You can claim Section 80D of the Income Tax Act of 1961 to get a tax deduction of your health insurance premium.
Types of health insurance in Kolkata
Here are the different health plans in Kolkata. Note that these plans are subject to availability.
Family Floater Health Insurance
Personal Accident Insurance Policy
Group Health Insurance
Top-up Health Insurance Plan
Maternity Health Insurance
Senior Citizens Health Insurance
Illness-specific health insurance plans
Critical Illness Insurance
Individual Health Insurance
Mediclaim Insurance Plan
Frequently asked questions
Here are some of the common queries regarding health insurance in Kolkata.
What to look for to find 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 a network hospital of your insurer. 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.
| Disclaimer: *Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wordings for more details. |
| The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries. |
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