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Health Insurance is an important financial product that every household should have. That too with the current Corona pandemic situation, more and more individuals have realized its importance and are flocking health insurance providers to get one for them and their family.

Agartala, the capital city of Tripura, is one of the prominent cities in northeastern India. With a population close to 4.5 lakh, it has offices of most of the leading health insurance providers in the city. In Tripura, the state government runs a Universal Health Care System. Every state in India is charged with increasing the quality of nutrition and the standard of life of its people, as well as improving public health as one of its primary tasks, according to the Indian Constitution. The Government of Tripura's Ministry of Health & Family Welfare is in charge of healthcare administration in the state.

Importance Of Getting A Health Insurance In Agartala

There are 4 Government hospitals in Tripura, out of which, 2 are in Agartala. It also has a number of private hospitals that offer high-quality medical infrastructure to patients. However, the cost of medical treatment has skyrocketed in recent years. With the recent Corona pandemic, the citizens of Agartala have had to shell out lakhs of rupees towards medical treatment and oxygen cylinders. This reinforces the importance of getting health insurance in Agartala.

Important Benefits Of Getting Health Insurance In Agartala

  • Health insurance policies give you comprehensive medical coverage
  • Pre & Post Hospitalization expenses are also covered
  • Expenses related to hospitalization, like, ambulance charges, attendant allowance, daily cash benefit, etc.
  • It provides for recovery or recuperating benefit, also known as Convalescence Benefit
  • You may even opt for alternate treatment procedures like Homeopathy or Naturopathy and the expenses will be covered
  • You can even get expenses related to organ donor treatments

Different Types Of Health Insurance Plans Offered In Agartala

There are literally thousands of Health Insurance plans available in Agartala. These plans are designed based on individual needs and the type of coverage they want. There are different kinds of Health Insurance plans;

1. Individuals Health Insurance Policies

Individual health insurance is coverage that you may purchase for yourself, your spouse, your children, and your parents. This form of insurance coverage pays for hospitalization, surgery, room rent, childcare procedures, and other medical expenses associated with injuries and diseases.

2. Family Floater Health Insurance

Family Floater Health Insurance should be your first pick if you want cheap health insurance coverage for everyone in your family. A single Sum Insured covers all family members included in the policy under a Family Floater Health Insurance. The cost of a Family Floater Health Insurance Plan is less than that of an Individual Health Insurance Plan. You, your spouse, children, and your parents can all be covered under this insurance.

3. Group Health Insurance

A Group Health Insurance coverage is created for a group of employees. If you operate a small business or a large corporation, you should purchase such plans for your employees. It is a type of benefit that is provided to employees by most companies. It helps employees to get basic health insurance for themselves and their dependents.

4. Senior Citizens Health Insurance

As the name suggests, this policy is specifically designed for senior citizens. It covers individuals over the age of 60. It helps people to cover their parents and grandparents who need quality medical care.

5. Maternity Health Insurance

Maternity Health cover has become popular these days. Though it used to be offered as a rider in traditional health insurance policies, many insurers are now offering it as a standalone policy to attract first time parents who want the best pregnancy experience. All costs associated with the prenatal, birth, and postnatal stages are covered. It covers childbirth (including medically required terminations), infertility treatments, and newborn infant coverage for the first 90 days.

6. Critical Illness Insurance

Diseases linked to one's lifestyle are becoming more common. The Critical Illness policy was developed with this in mind by insurance providers.

This health plan, which was created specifically for middle-class families, covers disorders such as:

  • Cancer
  • Stroke
  • Kidney Failure
  • Paralysis
  • Coronary Artery Bypass Surgery
  • First heart attack
  • Pulmonary Arterial Hypertension
  • Multiple Sclerosis
  • Aorta Graft Surgery

7. Top-Up Health Insurance

If you need more coverage on top of your existing health insurance policy, you can purchase top-up insurance. However, such plans have a "Deductible Clause." In the event of a claim, payment will be provided over and above the policy's stipulated maximum. So, if you want more coverage than your normal health insurance policy, you may get this plan.

How To Choose The Best Health Insurance Policy In Agartala?

Agartala has more than 25 health insurance providers in Agartala, who offer some of the best health insurance policies available in the market. However, it is an important financial decision to buy health insurance. You want the maximum benefits for the best price. Look out for these points while shopping for Health Insurance Policies:

  • Calculate the proper amount of coverage that will be enough for you or your family.
  • Set the proper Sum Insured limit for your parents who are financially reliant on you.
  • Choose the plan with the shortest wait time.
  • Examine the maximum age-renewal rate.
  • Purchase health insurance from firms with a high claim settlement ratio.
  • Choose the insurance carrier with the largest hospital network on their list.


1. Is there a limit for the maximum sum insured in health insurance?

There is generally not a cap on the maximum sum insured for health insurance. But it ultimately depends on the insurer and the policy type. Contact your insurer for more details.

2. What will happen if my hospital bill is more than my sum insured amount?

The insurance will pay up to the limit on your policy and you have to pay the remaining amount.

3. Will Agartala insurance firms assist me in renewing or upgrading my current plan?

Yes, you may simply renew or upgrade your insurance plan by contacting your insurance provider.

4. What are the basic documents required to get health insurance?

The basic documents include ID Proof & date of birth proof. Based on your age and the insurance provider, they may ask for a medical report.

5. What is the cost of insurance premiums?

The cost of insurance premiums varies based on the kind of insurance, claim history, liquidity, and other factors. Your insurance premium will be given to you like a quote once you apply for the insurance.

6. How many claims can I make in a single policy year?

With health insurance policies, you can make multiple claims in a single policy year. However, the sum insured will be the maximum limit specified under the policy.

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