Which is the best health insurance company in Kolkata?

From Park Street to Salt Lake: Finding the Best Health Insurance in Kolkata

Before looking for the best mediclaim company in Kolkata, ask yourself these questions.

What is health insurance for?
Who do you want to include in a health insurance plan?
What will the process be for booking a health insurance plan?
Where will you get help when you need more information about a health insurance plan?

These are the basic questions that every new insurance seeker can’t answer or get confused. This is why most of us stick to an insurance plan that our kin has gone for. Also, asking others for the best health insurance company will give different answers.

Most users will think from their perspectives and give you a suitable option. Their insurance service plans don't need to fit your requirements well.

So, what should you do? There are many factors that you need to consider. It is then you can find the best mediclaim company in Kolkata. Here is what you need to look into.

Consider your age and the age of all members you want to include in the health insurance plan.
Check the sum a service provider insures for maximum coverage.
Make sure you have considered the illnesses of the senior members as the hospitalisation frequencies and complications may be higher for them.
Find out whether there is a top-up plan for an insurance policy. You may have exhausted the insured amount in the future and have to pay huge hospitalisation bills. Only a small top-up sum can help you recover big amounts.
Consider the inflation rate and try to figure out the future hospitalisation costs. This might sound tough but you will get an idea of how much insurance sum is required as a financial safety net.
Is there a no-claim bonus feature? Look for the plans that offer no-claim bonus where you can increase the coverage sum without paying an incremental amount.
Find out whether you can customise an insurance plan later on to cover illnesses, accidents, maternity, or a new member in the family. Make sure your chosen insurance service offers flexibility when adding new insurance services to the same plan.
Two time periods should be considered while choosing the best mediclaim company in Kolkata. Find out the time period after which your health insurance will be active. The other one is the lifetime renewal period. Always choose an insurance plan that offers a lifetime renewal clause. It should not restrict you from recharging it even when you reach a particular age.
Your homework is almost done. Check for the claim settlement ratio of every popular insurance provider. The claim settlement ratio is a percentage that shows how many claims the service provider has settled versus how many it has received in a year. Any number above 90% is a promising score.

So, only the best mediclaim company in Kolkata will match these criteria with its exclusive plans. Find and compare the best services and choose your plan accordingly.