The Silicon Valley of India, Bangalore, is well known for its IT Hub, temples, artwork and rich heritage. It is a metropolitan city of India, that has quite some advanced facilities. Bangalore provides top-notch medical care, but along with it, comes a heavy price tag. Healthcare in Bangalore is expensive. You know what helps with expensive healthcare? That's right, health insurance. Let us understand all aspects of health insurance in Bangalore, why you need it and where you can get the best quotes for a health insurance plan.
Why get health insurance? Here are a few reasons that will help you understand the need for health insurance plan in Bangalore:
Bangalore boasts one of the best medical care facilities in the country. But, it comes at an expense. Healthcare in Bangalore is costly, and will put a dent in your wallet. But, that can be easily solved. Just get a health insurance policy and the money side of your problems will be handled.
As people are migrating from different cities to Bangalore for job opportunities, the city has been filled with corporate employees. One thing about them is their lifestyle has become sedentary, meaning obesity and diabetes are at an all time high. Health insurance ensures financial support that is required for constant medications, diets that are accompanied by such diseases.
Bangalore also faces the threat of mosquitoes. Dengue and Malaria are major problems for households in the city. If left untreated, these vector-borne diseases can prove lethal. An insurance plan ensures treatments for such mishaps.
Bangalore’s AQI is bad. Respiratory conditions like COPD, asthma, and bronchitis pose an imminent threat to the people of Bangalore. Health insurance covers treatment for such respiratory conditions.
Many times people tend to compromise on health in order to dodge healthcare fees. Also, they sometimes opt for cheaper treatments that might not be as fruitful as needed. Healthcare insurance helps you get quality healthcare while not spending all your savings for treatments.
Here are a few common health issues in Bangalore:
Bangalore has ranked 2nd amongst cities in South India, with over 50% obesity problems in the city. A vast population of the city is affected by obesity because of a sedentary lifestyle. Obesity in itself is a big issue, but then it leads to far worse diseases and disorders like diabetes. Among school-going children in Bengaluru, 13% are overweight and 5% are obese, showing rising childhood obesity rates.
A study conducted in Bengaluru reported a hypertension prevalence of 21.5% among adults. Hypertension is a major health risk that elevates the risk of heart strokes and haemorrhage in adults. The stress levels are the major culprit of high blood pressure for people in Bangalore.
Over the past two years, Bengaluru reported 1,250 heart attack cases in individuals under 35. The youth of Bangalore are majorly affected, which is an alarming statistic. A study revealed that 14% of adults in Bengaluru have a moderate-to-high risk (>20%) of cardiovascular disease over the next ten years.. Increase in prevalence of hypertension and diabetes has also affected people with cardiovascular complications.
In Karnataka, the prevalence of diabetes is estimated at 10.6%, with metro cities like Bengaluru at higher risk. Diabetes is a result of various factors like obesity, sedentary lifestyle, genetics, etc. Treatments for diabetes are expensive, insulin injections, dietary restrictions, etc all add up.
Bengaluru registers an average of 14,630 new cancer cases annually, with lung cancer being the most prevalent among males and breast cancer among females.. Certain cancers are rising annually in Bengaluru: uterine cancer by 5.8%, lung cancer by 5%, and breast cancer by 4.3%, particularly affecting the elderly.
Bengaluru reported over 11,000 dengue cases by August 2024, accounting for nearly half of Karnataka's total cases. Mahadevapura and Bengaluru East zones were among the worst-hit areas in 2024. Waterlogging and puddles, with uncertain rains are the major culprits for mosquito breeding in the city.
While the traditional method of buying insurance offline is still prevalent in many areas, most insurers provide an online platform to buy healthcare insurance in Bangalore. Here’s why buying online insurance for health is beneficial in Bangalore:
No need to hassle around insurance offices, wait in line, fill out long forms, wait for approval for days. You can just sit at your desk, fire up your computer, and get health insurance from Coverfox with ease.
You can compare insurer premium rates online through Coverfox. Check different coverage plans from top insurers, and their respective premium rates and then select what's best suited for your needs.
No need to carry cash or cheques. Directly pay online at Coverfox through their secured payment gateway and get your insurance policy at your email in an instant.
You can check the network of hospitals of an insurer online at Coverfox. Select the insurer which has convenient network garages in your area for hasslefree cashless transactions.
Coverfox provides 24x7 online support, which will guarantee that you will not be left hanging during your time of need. Contact support for claims, for queries and have excellent help.
You can renew your policies, set reminders and switch policies online easily and within minutes.
There are different types of health insurance available in Bangalore, that cater to specific individuals or families or illnesses. They include:
This type of insurance covers an individual person only.
This type of coverage plan ensures health protection to your entire family.
In case of severe diseases like strokes, organ failure, cancer, etc. a critical illness insurance policy is needed.
Customise your base insurance plan with add-ons like Room Rent Waiver, OPD Cover, Accidental Disability Cover, etc.
Specific insurance plan for elderly and aged people.
Here is a table to understand what is covered and what is not covered under health insurance in Bangalore:
| What is Covered | What is Not Covered |
|---|---|
| Sum Insured: ₹5 lakh to ₹6 crore | Pre-existing conditions during the waiting period |
| 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) |
| 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) |
| Add-ons: Optional and customisable | Injuries due to war, terrorism, or hazardous activities |
| Tax Benefits: Under Section 80D | Substance abuse-related complications |
| Claim Process: Easy cashless transactions through network hospitals or reimbursement process. | Non-medical expenses like toiletries or administrative charges |
Bangaloreans opt for health insurance plans in order to cover for any medical expenses incurred. Therefore, the insurance plan should be sufficient enough to cover treatments. Ideally, it is said that the sum insured should be around 50% of your yearly income. For an expensive city in Bangalore, following amount of sum insured is recommended:
NOTE: These are just recommendations made on average costs, get sum assured rates as per your needs.
NRIs can also buy health insurance in Bangalore. When they come to visit in the city, they can avail medical services and use health insurance for those services. They can also buy health insurance policy for their family members who are residing in the city. They can also benefit from GST returns that you get from health insurance. Whenever they choose to settle back in Bangalore, they can also extend their healthcare coverage plan.
Health insurance is like a safety net for people of Bangalore. It provides financial security to you in the time of need. Here are the key benefits of having health insurance in Bengaluru:
No need to compromise on your health because of money. Ensure the best healthcare possible for you and your family with the help of health insurance.
You can opt for cashless transactions at network hospitals. No need to worry about paying the money upfront, instead let the insurer handle it for you.
Buying a health insurance policy can help you get tax returns as per the Section 80D under Income Tax Act. What's more pleasing than saving up while prioritising your health!
Having a No Claim Bonus can help you get lower premium rates. Because of this, you will tend to keep yourself healthier, so that you do not need to file a claim. It helps you mentally and financially.
You can get health insurance from an insurer and get a coverage plan for your entire family. This type of insurance helps get your entire family insured at one place and at the same time.
With the rising healthcare costs, getting a treatment at a hospital can take a toll on your savings. Healthcare insurance packages help with your financial well being in this ever-growing inflation.
You should consider the following factors before buying a health insurance policy in Bangalore:
Follow this step-by-step guide for buying health insurance policy in Bengaluru:
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.
Follow this step-by-step procedure for renewing your health insurance policy in Bengaluru:
Documents required for buying or renewing health insurance plan in Bangalore are as follows:
There are 2 methods for filing a claim in Bangalore that include:
As inflation is on its move, having health insurance in Bangalore is becoming more and more vital. You simply cannot compromise on your health just to save a few bucks. On the other hand, staying healthy will help you get benefits and discounts while buying an insurance policy. Stay wealthy by being healthy.
Ans: Yes you get tax benefits for buying a health insurance plan in Bengaluru as per the Section 80D under Income Tax Act.
Ans: There is no specific best insurance health policy in Bangalore, however a critical illness plan ensures coverage for major diseases. Get quotes from the best insurers in Bangalore at Coverfox.
Ans: It is recommended to have at least ₹10 lakh sum insured in Bangalore however it totally depends on your needs.
Ans: Yes, you can get multiple health insurance plans in Bangalore and it is a common practice for people suffering from diseases.
Ans: Yes, a family health insurance plan covers you and your family in Bangalore.
Ans: No, there is a waiting period after you buy a health insurance policy in Bangalore before making a claim.
Ans: You can make as many claims as you want, but it will be capped at your sum insured value.
Ans: Yes, buy health insurance online in Bangalore today through Coverfox.
Ans: Yes, you can.
