Health Insurance in Coimbatore

Coimbatore, the “Manchester of South India”, is fast emerging as a prominent destination for quality healthcare and holistic wellness. The city boasts over 1,000 hospitals, clinics, and diagnostic centres, including several multi-speciality institutions like PSG Hospitals, KMCH, and Ganga Hospital, attracting patients from across Tamil Nadu and even neighbouring states. Coimbatore now has 64 Urban Health & Wellness Centres, with 45 operational and 19 pending inauguration. Although there are an ample number of healthcare facilities in the city, not everyone can afford them. Here’s where health insurance kicks in. Let us see the need and importance of health insurance in Coimbatore, and where you can get the best deals for healthcare insurance.

The city of Coimbatore faces many health problems, and lifestyle diseases are one of the major threats to health here. Here are the most common health issues in Coimbatore:

• Hypertension

The prevalence of high blood pressure, or hypertension, is pretty evident in the city of Coimbatore. Hypertension is one of the lifestyle diseases that is affecting the city. In May 2022, over 72,000 cases of lifestyle diseases, which include hypertension and diabetes, were registered in Coimbatore (Health Department of Tamil Nadu). In a survey report, 49.9% of bus drivers of public transport were found to be hypertensive.

• Diabetes

Diabetes is one of the most dangerous health problems caused due to lifestyle diseases. The irregularity of glucose levels leads to diabetes. Amongst the 72,000 cases of lifestyle diseases in 2022, 37,678 were diabetic (Health Department of TN). According to a study by Texila International Journal of Public Health Special Issue- 2024, 1/3rd of the surveyed population is affected by diabetes in Coimbatore.

• Obesity

Bad food habits, sedentary lifestyle, and limited physical activity all lead to obesity. Obesity in Coimbatore is more prevalent in women than in men. Observational evidence suggests every second woman in urban Coimbatore fits this profile (NHS REPORT). Obesity can lead to various serious diseases like diabetes and hypertension.

• Cancer

Government data from 13 hospitals shows a yearly rise of 2–4% in breast and cervical cancer cases. Cervical cancer cases: 484 (2022‑23) → 726 (2023‑24) → 1,164 (2024‑25). Breast cancer cases: 517 → 623 → 842. Lung cancer is another leading concern in the city, with the main cause being tobacco consumption.

• Dengue

As the city is situated near the river Noyyal, and is blessed with ample amounts of rain, waterlogging and stagnant water are major concerns, creating breeding grounds for mosquitoes. There has been a rise in dengue cases, with some areas like Saravanampatti, Kalapatti, and P N Pudur identified as hotspots. Reports suggest that more than 1300 cases were registered for dengue in 2023 itself.

Here’s why health insurance is your support system in times of need:

• Medical Inflation

As technology and science progress, so does the price of getting healthcare. Although the healthcare may not be as high as in metropolitan areas, it is still not accessible to many due to the rising costs. Health insurance ensures you get access to proper medical care, because money should not be the reason for not getting healthcare.

• Quality Healthcare

Most insurers have network hospitals around Coimbatore. These hospitals provide top-notch healthcare. You can have access to these hospitals at a low premium cost if you have health insurance plans.

• Prevalence of Lifestyle Diseases

Hypertension, diabetes, and obesity are more common than you think in Coimbatore. These diseases take a toll on your wallet, as they require constant medicines and care over a long time. Treating these diseases will cost you a lump sum, which you can save by having health insurance.

• Prevalence of Vector-Borne Diseases

Coimbatore is exposed to floods and waterlogging due to its proximity to the river Noyyal and high rainfall. 2024’s floods are a prime example of this. This creates stagnant water and grounds for the breeding of mosquitoes. Dengue, Malaria and Chikungunya are the vector-borne diseases that affect the city. Having protection against vector-borne disease in your healthcare plan is a good idea.

• Cashless Claims

Due to a wide network of hospitals tied up with insurers, you can gain access to cashless claims – no hassle of carrying money around when you are sick. If you have health insurance and get treated at a networked hospital, you do not need to take care of the bill; just fill out the claims form, and the bill will be settled between the hospital and the insurer.

Health insurance plans in Coimbatore include:

• Family Floater Plans

This type of coverage plan covers health insurance for your entire family.

• Individual Health Insurance

This type of insurance covers an individual person only.

• Top-Up & Super Top-Up Plans

Customise your base insurance plan with add-ons like Room Rent Waiver, OPD Cover, Accidental Disability Cover, etc.

• Critical Illness Insurance

Available for severe diseases like strokes, organ failure, cancer, etc.

• Senior Citizen Health Insurance

An insurance plan available specially for the elderly and aged people.

Inclusions and Exclusions of Health Insurance in Coimbatore are:

In Coimbatore, you can get health insurance online through Coverfox by:

1. Heading over to the Coverfox website


2. Navigate to “Insurance > Health Insurance” Tab


3. Enter your mobile number


4. Enter your age


5. Select the type of insurance you are looking for


6. Select Sum insured, Room Rent Limit, Insurer preference, NCB, PED Waiting Period


7. Add additional features if required


8. Compare the different health insurance policies in Coimbatore


9. Select the best option and pay the prescribed fees


10. After Payment, your policy will be mailed to you.

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.

Renewal process for health insurance online in Coimbatore is easy, just follow these steps:

1. Visit your insurer’s website


2. Head over to the renewal section


3. Enter your previous policy details


4. Check for any upgrades if you wish


5. Check for NCB benefits


6. Pay online using UPI/Debit/Credit Card/Net Banking


7. Get your renewed policy in your email


8. You can renew/compare/purchase another policy from Coverfox as well.

Documents Required for Buying/Renewing Health Insurance in Coimbatore

You would need these documents to buy or renew a health insurance plan in Coimbatore:

• Age proof, like a passport, birth certificate, etc.


• Identity proof, like a passport, Aadhaar Card, etc.


• Address proof like a passport, DL, utility bills, etc.


• Previous Insurance Policy/Policy Number (For renewals).

In Coimbatore, there are 2 types of claims that you can file for which include:

1. Cashless Health Insurance Claims in Coimbatore

• Inform your insurer about the claim


• Submit a pre-authorisation request at a network hospital


• Once approved, receive treatment without paying anything


• The insurer settles the bill directly with the hospital


• You will only need to pay non-covered expenses at the hospital.



2. Health Insurance Reimbursement in Coimbatore

• Pay the bill at the hospital


• After you pay the bill, collect the receipt from the hospital


• Submit the necessary documents to the insurer, including the receipt


• The insurer verifies and transfers the claim amount to your bank account.

Documents Required for the Claim Process of Health Insurance in Coimbatore

• A duly filled and signed claim form


• Recent passport-size photo


• All the hospital bills, receipts, documents, reports, and prescriptions


• Pre-authorised claim form for cashless claim


• Identity proof.

While purchasing a health insurance policy in Coimbatore, look out for these tips:

• Inclusions & Exclusions

Know what your inclusions and exclusions are

• Waiting Periods

Check for the waiting period for pre-existing conditions, maternity, and specific treatments

• Network Hospitals

Look out for cashless hospitals that are available in your area

• Sum Insured

The Sum insured should cover for entire treatment, so choose accordingly

• Premium vs. Benefits

Balance cost with the coverage offered

• Claim Settlement Ratio

Go for insurers with high claim success rates

• Add-On Covers

Consider critical illness, maternity, or room rent waivers

• Portability Options

Check if you can switch plans without loss of benefits

• Free Health Check-Ups

Look for annual check-up benefits.

Coimbatore is an urban area and has a generally high healthcare cost. To cover the costs of the entire treatment, you need to ensure you have enough sum insured. The sum insured amount is the cap of the amount the insurer is liable to pay for your treatment. In Coimbatore following sum-insured amount should be sufficient:

• ₹5-10 lakh sum insured for individual health insurance


• ₹20 lakh sum insured for family health insurance


• ₹15 lakh sum insured for senior citizen health insurance

These are just assumptions made on the current healthcare costs in Coimbatore.

Non-Resident Indians (NRIs) originally from Coimbatore who are settled abroad can purchase health insurance plans in India for themselves and their families. These policies provide valuable financial protection in case of medical expenses incurred during visits or extended stays in India. If you decide to return to India permanently, the same policy can be continued seamlessly.

Additionally, if your parents are living in Coimbatore, you can safeguard their healthcare needs by opting for a dedicated health insurance policy for parents. This ensures you're financially prepared for age-related medical emergencies. NRIs purchasing health insurance in India are also eligible for an 18% GST refund on mediclaim policies.

The key benefits of Health Insurance in Coimbatore include:

• Save Money on healthcare expenditure


• Access Quality Healthcare through multiple network hospitals of health insurers


• Get Cashless Transactions at the network hospitals of health insurers


• Get Tax Benefits under section 80D under the Income Tax Act with health insurance


• Critical illnesses like cancer, respiratory disorders, heart diseases, etc, can be covered under critical illness health insurance plans


• Entire Family Coverage Plans provide financial protection to each member of the immediate family


• NCB Benefits urges you to remain healthy, to get discounts on health insurance plans.

In this ever-growing economy, having healthcare insurance is necessary. In Coimbatore, to combat vector-borne diseases and critical illnesses like cancer, you need to have health insurance. To get the best quotes on health insurance plans, Coverfox has got you covered. Get insured today.