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Medical emergencies can come out of nowhere. One moment, everything is fine; the next, you're facing a health crisis. If you're in Kolkata, having good health insurance can be a lifesaver. With health insurance, you can avoid stress and get the best medical facilities. In this article, we will talk about how health insurance can protect you and your family from emergencies.

Why Health Insurance is Important

Health insurance is like a safety net. It catches you when unexpected health issues arise. Without it, a single hospital visit can drain your savings. Medical costs are high, and they keep rising. Whether it's a minor surgery or a major illness, expenses can pile up quickly. Health insurance helps cover these costs, so you don't have to worry about money when you're already stressed about health.

Choosing the Right Health Insurance

Selecting the right health insurance plan in Kolkata can feel overwhelming, but it's crucial. Here are a few things to consider:

  • Coverage: Ensure the plan covers a wide range of medical services. This includes hospital stays, surgeries, doctor visits, and even medicines.
  • Network Hospitals: Check if the insurance company has a good network of hospitals in Kolkata. This makes it easier to get cashless treatment.
  • Premiums: Compare premiums from different insurers. The premium is the amount you pay regularly (monthly or yearly) for the policy.
  • Claim Settlement Ratio: This indicates how often the company settles claims. A higher ratio means a better chance your claims will be paid.

Steps to Get Health Insurance

Getting health insurance in Kolkata is straightforward. Here's what you need to do:

  1. Research: Start by researching different health insurance plans. Look at their coverage, premiums, and network hospitals.
  2. Compare Plans: Use online comparison tools to compare different plans. This helps you find the one that best fits your needs and budget.
  3. Read Reviews: Check reviews of the insurance companies and their plans. This gives you an idea of other customers' experiences.
  4. Consult an Advisor: If you're unsure, consult a financial advisor. They can help you understand the plans better and make an informed decision.
  5. Apply: Once you've chosen a plan, fill out the application form. Provide accurate information to avoid issues during claim settlement.

Which is the top Health Insurance Companies in Kolkata?

Several companies offer good health insurance in Kolkata. But INV Rajat Finserve is one of the top health insurance companies. They have a good reputation for customer service and claim settlement.


Health insurance is a must to protect yourself and your family from draining your savings during medical emergencies. By choosing the right health insurance, you can ensure you get the best treatment without worrying about the costs. Remember to check the coverage, network hospitals, premiums, and claim settlement ratio before deciding. With health insurance, you can focus on recovery, knowing that your savings are well protected.