Health Insurance in West Bengal
  • Explore health insurance in West Bengal
  • Top health insurance plans
  • Benefits
Health Insurance in West Bengal
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Cultural Landscape Of West Bengal

One of the most culturally prosperous states of India, West Bengal is home to notable personalities like Subhash Chandra Bose, Rabindranath Tagore, Somnath Hore, and more. Contributing to fields of literature, art, and sculpture, as well as reforming independent India - the state has left its mark on the country’s citizens.

Along with being a cultural hub for the country, the state has advanced healthcare infrastructure and facilities to cater to the needs of its citizens. Let us look at health insurance in West Bengal.

Health Insurance In West Bengal

The state government of West Bengal offers multiple health insurance schemes:

  • West Bengal Health Scheme was launched in the year 2008 for state government employees and pensioners
  • Mamata Scheme was launched in the year 2011 for pregnant women from economically weaker families
  • Swasthya Sathi Scheme was launched in the year 2016 for residents of West Bengal providing coverage against critical illnesses

Health Insurance Plans In West Bengal

Now that we have looked at the government health insurance schemes, let us turn towards private health insurance players offering health plans to the residents of West Bengal. Below, we have curated a list of some of the most trusted health insurance companies in India and their health plan offerings alongside some vital details.

Health Insurance PlanSum Insured AvailablePremium Quotes
Niva Bupa Aspire Upto INR 1 CroreStarting from INR 719 Per month

ManipalCigna ProHealth Prime AdvantageUpto INR 1 CroreStarting from INR 909 Per month

Star Health AssureUpto INR 2 CroreStarting from INR 960 Per month

Care SupremeUpto INR 15 LakhStarting from INR 929 Per month

ICICI Lombard Health AdvantEdgeUpto INR 3 CroreStarting from INR 865 Per month

TATA AIG MedicareUpto INR 1 CroreStarting from INR 661 Per month

Benefits Of Purchasing Health Insurance In West Bengal

Not only rich in cultural heritage, the state of West Bengal has a wide network of government and private healthcare facilities. The multiple benefits of purchasing health insurance in West Bengal are:

  • Comprehensive Coverage

    Avail of comprehensive health insurance plans that provide 360-degree coverage for hospitalization expenses, OPD expenses, diagnostics, and more.
  • Avail of Network Hospitals

    Affordable and accessible health insurance is no challenge in a state like West Bengal when investing in the right health insurance plan for you and your family.
  • Treatment for Critical Illnesses

    Quick and efficient treatments for major illnesses like cancer and heart attacks can be immediately available with the right health insurance. With multispeciality hospitals in big cities like Kolkata, Asansol, Barrackpore, etc., the state’s citizens are well equipped against critical illnesses.
  • Affordable Premiums

    Analyze and connect with our health insurance experts to find the most affordable plans for yourself and your family.

Wrapping It Up

West Bengal is not only known for its Durga Pujo and Roshogolla but also serves as a well-developed medical center in the country with world-class hospitals offering efficient medical care services. If you are someone who is looking for the ideal health insurance plans in West Bengal, find your perfect fit with PolicyX.

Best Health Insurance Plans in West-bengal

Considering the facts, here are some of the best plans to consider in west-bengal:

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Senior Citizen Health Insurance

Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...

Unique Features

  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Pros)

Niva Bupa Senior First Plan
  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Cons)

Niva Bupa Senior First Plan
  • ICU charges not covered
  • OPD coverage not available
  • Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

Niva Bupa Senior First Plan
  • No sub-limits are applicable for common health conditions
  • Waive off co-payment on applying deductibles
  • No mandatory pre-issuance medical tests

Niva Bupa Senior First Plan (Eligibility Criteria)

Niva Bupa Senior First Plan
  • Min. Entry Age - 61 Years
  • Max. Entry Age - 75 Years
  • SI - 5 - 25 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits

Care Supreme Plan (Pros)

Care Supreme Plan
  • Modern treatments
  • Renewal discounts
  • Unlimited e-consultation

Care Supreme Plan (Cons)

Care Supreme Plan
  • Illegal activities
  • alcohol abuse
  • obesity treatments

Care Supreme Plan (Other Benefits)

Care Supreme Plan
  • Ambulance cover
  • Doctor on chat
  • Maternity care

Care Supreme Plan (Eligibility Criteria)

Care Supreme Plan
  • Min entry age: 18 Years
  • Max entry age: No age limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

  • Get coverage for the whole family
  • Additional SI for Road Traffic Accident
  • Coverage for Compassionate Travel

Star Family Health Optima (Pros)

Star Family Health Optima
  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Star Family Health Optima (Cons)

Star Family Health Optima
  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Family Health Optima (Other Benefits)

Star Family Health Optima
  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Star Family Health Optima (Eligibility Criteria)

Star Family Health Optima
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

Health Insurance Companies

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Health Insurance in West Bengal: FAQs

1. Are personal accident health plans available in West Bengal?

Yes, personal accident health plans are available for citizens of West Bengal along with individual and family health insurance. To find your perfect fit connect with health insurance experts at PolicyX.

2. How much sum insured do I need to live a comfortable life in a metropolitan like Kolkata?

It is advised by health insurance experts to have a minimum coverage of INR 10 Lakhs regardless of the city you are residing in.

3. What are the factors to consider before purchasing health insurance in Kolkata?

The various factors to consider are- sum insured, pre-existing disease coverage, network hospitals, and claim settlement of an insurer.

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More Queries?

To know about the best health insurance plans in West-bengal, network hospitals available, or have any other insurance-related query, call our advisors at 1800-4200-269!

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.