Ahmedabad, the largest city in Gujarat, is known for its textile industry, similar to Manchester. Hence the name, “The Manchester of India” was given to Ahmedabad. It’s home to the Sabarmati Ashram, where Mahatma Gandhi started his Dandi March, and boasts India’s first UNESCO World Heritage City status.
Ahmedabad also has excellent healthcare facilities. Ahmedabad has over 1,000 registered healthcare facilities, including hospitals, clinics, and diagnostic centres (Source: Ahmedabad Municipal Corporation, 2024), but availing these facilities can be expensive. Health insurance comes into play here, helping people get access to quality healthcare, fighting health issues that are quite on the rise.
Although one of the most developed cities in Gujarat, prevalence of health issues in Ahmedabad is still quite high. Here are the most common yet alarming health concerns of Ahmedavadis:
Hypertension is the irregular high blood pressure in the human body. Various factors have contributed to the rise of hypertension in Ahmedabad like poor eating habits, tobacco use, sedentary lifestyle, stress and obesity. A study by the UN Mehta Institute of Cardiology and Research Centre (UNMICRC) found that 25% of patients in Ahmedabad were hypertensive. The National Family Health Survey-5 (NFHS-5) reported that 20.6% of women and 20.3% of men in Gujarat had elevated blood pressure.
Diabetes is a type of lifestyle disease that is on the rise in Ahmedabad at a concerning rate. The ICMR-INDIAB study reported that 8.1% of individuals in Gujarat are diabetic, with an additional 10.5% being prediabetic. Poor dietary conditions and sedentary lifestyle are the major culprits here.
Another lifestyle disease, obesity is the excess of fat in the human body. Inactivity, junk food, and stress are the major reasons behind obesity in Ahmedabad. A recent survey indicated that around 33% of Ahmedavadis are obese or over-weight. It also reported that the prevalence of obesity is higher in women and children than in men. Obesity can lead to serious health conditions that can become fatal.
Dengue, Malaria and Chikungunya are a major concern in Ahmedabad. In 2023, Gujarat reported 6,710 dengue cases and six related deaths, marking a slight increase from 6,682 cases in 2022. In the first nine days of November 2024, Ahmedabad recorded 69 dengue cases, indicating a spike in transmission during the post-monsoon season. Monsoons are the major threats, due to waterlogging and stagnant water collection leading to breeding of mosquitoes.
Contaminated drinking water, especially in densely populated eastern localities like Gomtipur and Ramol-Hathijan, has been identified as a primary cause for water-borne diseases. Between January 1 and May 3, 2025, Ahmedabad reported.
Ahmedabad witnessed an 83% increase in breathing-related emergencies over six years, rising from 17,778 cases in 2018 to 32,506 in 2024
The U.N. Mehta Institute of Cardiology and Research Centre in Ahmedabad saw heart-related procedures increase from 13,615 in 2020 to 29,510 in 2023.
In 2022, the Gujarat Cancer Research Institute (GCRI) in Ahmedabad recorded 16,329 cancer cases, with 43.5% (7,105 cases) attributed to tobacco use.
Here are the major reasons why you should consider buying health insurance in Ahmedabad:
Ahmedabad is progressing, but so is inflation and healthcare is not an exception. Ahmedabad does have one of the best healthcare systems in the state, but it does get expensive and not everyone can afford it. Healthcare insurance ensures you get proper medical attention and money won’t be a problem.
Most health insurance companies have tie ups with quality hospitals known as network hospitals. You can get diagnosed and treated at these network hospitals and enjoy cashless transactions at the same time. No need to compromise on health when health insurance is there.
Sedentary lifestyle and bad food eating habits have resulted in a number of lifestyle diseases like hypertension, diabetes and obesity. These lifestyle diseases require long-term medications and treatments, which can leave a dent in your wallet. But, health insurance ensures that does not happen.
Cancer, heart-conditions, etc are fatal diseases that are expensive to treat. Having a critical illness plan ensures you get timely treatment and access to quality healthcare for these diseases, so that your condition doesn't worsen, at least not because of lack of funds.
Health insurance is not necessarily an individual insurance policy. You can get insurance for your entire family under one branch. Even though you may not need health insurance, you can still buy healthcare plans that include your family as well. In this way, you can enjoy the benefits of health insurance while your family gets insured as well.
There are multiple types of health insurance available in Ahmedabad that include:
Specific insurance plan for elderly and aged people
This type of insurance covers an individual person only
In case of severe diseases like strokes, organ failure, cancer, etc. a critical illness insurance policy is needed
This type of coverage plan ensures health protection to your entire family
Customise your base insurance plan with add-ons like Room Rent Waiver, OPD Cover, Accidental Disability Cover, etc.
Here’s what is included and not included in a health insurance policy in Ahmedabad:
| What is Covered | What is Not Covered |
|---|---|
| Add-ons: Enhance your policy (Optional) | Any injuries due to war, terrorism, or hazardous activities |
| Claim Process: Easy and fast cashless transactions through network hospitals or reimbursement process. | Non-medical expenses like toiletries or administrative charges |
| Facility Benefits: Covers room rent, pre & post-existing diseases (as per terms), organ donor expenses, and free health check-up | Illnesses during the initial waiting period (30–90 days) |
| Hospital & Treatment Expenses: Includes day care procedures, maternity expenses, OPD cover, ICU charges, and ambulance charges | Cosmetic surgeries and aesthetic treatments |
| Pre & Post Hospitalisation (30 to 60 days) | Dental and oral treatments (unless due to an accident) |
| Sum Insured: Total ₹5 lakh to ₹6 crore | Pre-existing conditions during the waiting period |
| Tax Benefits: Under Section 80D of the Income Tax Act | Substance abuse-related complications |
Here is a step-by-step guide to get a health insurance policy in Ahmedabad:
NOTE :You can ask for a call from Coverfox to help and guide you in buying a health insurance policy. Just click on “Call me” to connect to an excellent support staff.
Renewing your healthcare insurance in Ahmedabad is fast, and simple, just follow these steps:
Documents required for buying or renewing health insurance plan in Ahmedabad are as follows:
There are 2 types health insurance claims that you can file in Ahmedabad:
These tips will help you select the best health insurance policy in Ahmedabad:
Understand what is covered under your policy
Check for pre-existing conditions, maternity, and specific treatments
Check for hospitals that have tie ups with your insurer in Ahmedabad
Choose adequate coverage for future medical costs
Balance cost with the coverage offered
Prefer insurers with high claim success rates
Select required add-ons for your policy
Check if you can switch plans without benefit loss
Look for annual check-up benefits.
An ideal health insurance policy will cover the entire amount required for a treatment in hospital. This amount is decided by the sum insured under the healthcare insurance policy. So, an ideal healthcare plan should have sufficient sum insured to cover medical expenses. Ahmedabad is an urban city, and an expensive one. So you should get at least ₹10 lakh sum insured for an individual health insurance plan. Here’s a better breakdown:
NOTE: These are just recommendations made on average costs, get sum insured rates as per your needs.
NRIs can also buy health insurance in Ahmedabad. However, to enjoy benefits of health insurance in Ahmedabad they must be present in the city. So, they can avail these benefits when they are visiting or relocating back to Ahmedabad. They can also purchase health insurance for their own family that are already residing in the city. They also get tax benefits from buying health insurance. It's extremely beneficial for them to get health insurance in Ahmedabad, to save money and to secure family health.
Here are the major benefits of getting health insurance in Ahmedabad:
Major health problems take a toll on your savings. But, health insurance makes you whole. The financial burden of getting an expensive treatment is taken by health insurance, and you can safely focus on your health rather than worrying about money.
Having insurance means you can get medical facilities anytime you want without worrying about money. No need to take tension about paying bills, you can solely focus on your health.
Under section 80D in the Income Tax Act you can claim tax benefits for having health insurance in your name. Save money and save health!
Health insurance gives you discounts for staying healthy. This encourages healthy lifestyles and if you remain healthy, you also can claim No claim bonuses, further lowering your insurance premiums.
Getting treated at a network hospital for your health insurance gives you the benefit of cashless transactions. The bill will be directly settled between the insurer and the hospital. All you have to do is fill a claims form.
Health insurance in Ahmedabad is absolutely crucial. It will provide you financial security against uncertain expenditures. With the increasing health risks in the city, health insurance plans are now even more important than ever. You can get best quotes for healthcare plans at Coverfox. Invest in your health, save your wealth.
Ans: Yes, under section 80D of the Income Tax Act you will get tax benefits for buying health insurance.
Ans: There is no particular best policy, just a few factors that can make an ideal health insurance policy like room rent, sum insured, coverage plan, type of health insurance, etc.
Ans: No, you need at least ₹10 lakh health insurance coverage for Ahmedabad.
Ans: Yes, it is possible.
Ans: Yes, you can.
Ans: No, there is a waiting period before you can file for a claim.
