The name Dehradun is derived from Dehra (dera) + Dun (valley) - meaning “camp in the valley,” referencing Baba Ram Rai’s settlement. There are a total of 73 hospitals in Dehradun, each giving out quality healthcare to the people. Also, Dehradun serves as a starting point for the famous Char Dham Yatra, attracting millions of tourists every year. This has created a somewhat healthy strain in Dehradun, requiring the need of health insurance in the city. Health insurance policy serves as a safety net for your finances if you ever fall sick. The treatment costs in Dehradun, although relatively low, still would take a toll on your savings – unless you have health insurance.
Here are some common health concerns in Dehradun that provoke a need for health insurance:
Air pollution spikes post-Diwali, seasonal temperature fluctuations, and stubble-burning delayed by rain increase asthma and respiratory distress in Dehradun. According to Doon Hospital in Dehradun, there has been a rise in patient numbers in the emergency ward, with a significant portion being children with respiratory issues in October 2022, as they attended an average of 150 patients daily.
Dehradun receives an ample amount of rain each year, causing waterlogging and stagnant water, which results in grounds for mosquito breeding. In April 2025, Dehradun reported 18 dengue cases with 2 deaths, and by early May, the district had 161 total cases (84 in the city) (State Health Reports).
Another vector-borne disease that plagues the city of Dehradun, the prevalence of chikungunya is especially high during monsoons. A documented chikungunya outbreak occurred in Dehradun in 2022, as per clinical case reports.
Lifestyle diseases like obesity and hypertension are prevalent in Dehradun – mainly due to a sedentary lifestyle and bad eating habits. 4.7% obese & 11.7% children are overweight among Dehradun school children, with 43.3% of the obese kids hypertensive. Urban Rishikesh sample of adults (comparable urban environment) shows 34.5% adult prevalence. (Journal of Family Medicine and Primary Care).
Breast cancer is the most reported cancer among women in Dehradun, while lung and oral cancers are also prevalent among men. This is a result of tobacco consumption, alcohol consumption, poor eating habits and stress.
Growing obesity and inactivity in Dehradun commonly correlate with back pain, osteoarthritis, gout, and other musculoskeletal issues—heightening risk as obesity rises. Another major reason for MSK pain is that pilgrims who return from the Char Dham Yatra generally have back and joint pain.
While buying health insurance online sounds like an expense, it actually helps you financially, especially in times of need. Here’s why buying health insurance online in Dehradun is a good idea:
Over the years, as technology has progressed, so have the medical advancements. But these advancements come at a cost. A trip to the hospital today in Dehradun will significantly affect your savings - unless you have health insurance.
Having health insurance ensures you get treatment at the right time before it gets too late. You do not need to wait to collect funds to get treated – which is crucial for a fast and healthy recovery. You would have peace of mind, as health insurance will cover your back.
No need to worry about bills at hospitals, or carrying cash around while you are sick. All you have to do is focus on your recovery. If you are getting treated at a network hospital of your insurer, your health insurance will settle the bill with the hospital directly.
Obesity is a major health concern in Dehradun, and treating obesity is a long process which could cost you a lot without health insurance. Long-term medications, check-ups and treatments can be covered by health insurance in Dehradun for lifestyle diseases like obesity, hypertension and diabetes.
Dengue, Malaria and Chikungunya are some of the vector-borne diseases that are prevalent, especially during the rainy season in Dehradun. If these diseases are not treated, they can prove fatal. Health insurances have a special vector-borne diseases category to treat these infectious diseases.
Dehradun has many types of health insurance available online, which caters to each need of the policyholder:
This type of health insurance covers an individual only.
In case of severe diseases like strokes, organ failure, cancer, etc. a critical illness health insurance policy is needed.
A health insurance plan made specially for the elderly and aged people.
Customise your base insurance plan with add-ons like Room Rent Waiver, OPD Cover, Accidental Disability Cover, etc.
This type of coverage plan covers health insurance for your entire family.
Inclusions of health insurance and its exclusion in Dehradun are:
| 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 of the Income Tax Act |
Substance abuse-related complications |
Claim Process: Easy cashless transactions through network hospitals or reimbursement process |
Non-medical expenses like toiletries or administrative charges |
In Dehradun, you can buy health insurance online through Coverfox – just follow these steps:
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.
You can renew your health insurance policy online in Dehradun through your insurer’s online portal:
You would need these documents to buy or renew your health insurance plan in Dehradun:
There are 2 types of claims that one can file in Dehradun against health insurance:
To structure the best health insurance policy and get the best premium prices of health insurance in Dehradun, follow these tips:
Always check inclusions and exclusions of the health insurance policy
Check for pre-existing conditions, maternity, and specific treatments
Look out for cashless hospitals that are available in your area
The Sum insured should cover for entire treatment, so choose accordingly
Balance cost with the coverage offered
Go for insurers with high claim success rates
Consider critical illness, maternity, or room rent waivers
Check if you can switch plans without loss of NCBs
Look for annual check-up benefits.
While making a claim in Dehradun, you need to make sure that the amount insured covers the entire cost of treatment in Dehradun. This amount is also called sum insured, and to have enough sum insured in Dehradun, your health insurance should be:
These are just assumptions made on the current costs of medical care in Dehradun, do your research before selecting a sum insured amount.
NRIs also have an option to purchase health insurance in Dehradun. Whenever they are visiting back to Dehradun or relocate back, they can avail the benefits of health insurance. Along with self-health insurance, they can also buy health insurance for their family who are staying in Dehradun. Along with health insurance, NRIs can also get tax benefits and GST returns, making it an excellent choice.
Key benefiting of health insurance in Dehradun are:
Health insurance is no longer an expense; it is a smart purchase to safeguard your financial well-being when things don't go right. In Dehradun, where tourism is high and the risk of infectious diseases is also high, getting health insurance is an excellent choice. Coverfox is a platform that provides a one-stop solution for all insurers, where you can compare health insurance quotes, policy details and make an informed decision. So what are you waiting for? Get insured today and stay healthy!
Ans: Yes, under section 80D of the Income Tax Act, you can get tax benefits for having health insurance.
Ans: The best health insurance policy is the policy that covers all major diseases, has enough sum insured to cover the cost of treatments and a wide network of hospitals.
Ans: Ideally, you should get a ₹5-10 lakh sum insured in Dehradun.
Ans: Yes, you can buy health insurance plans in Dehradun.
Ans: Yes, family health insurance plans cover the entire family in Dehradun.
Ans: No, there is a waiting period before you can make a claim in Dehradun.
Ans: There is no limit to the number of claims you can make, but make sure it is under the sum insured amount.
Ans: Yes, you can purchase health insurance through Coverfox online.
