Previously called “Gurgaon”, Gurugram is the cocktail capital of India. This millennium city is one of the most populous cities in India. The city is famous for attracting young minds for job opportunities and career growth. It has a great private healthcare system as well. Gurugram hosts over 50 hospitals, catering to both residents and medical tourists. The private healthcare market in the city is valued at approximately ₹6,800 crore, with specialized hospitals performing over 500 complex surgeries monthly (Study by TR Life Sciences in 2023). Even though the healthcare system sounds excellent, it is expensive and the ever growing health concerns in the city makes it difficult to access this healthcare system. Health insurance is the key here. You can get the best health insurance deals on Coverfox in Gurugram. So let's delve into the world of health insurance in Gurugram.
Here are the common health concerns that are growing in Gurugram:
These include hypertension, obesity and diabetes. As most of the population is in the working field, inactivity, junk food and sedentary lifestyle has given rise to these diseases. In Gurgaon, a significant number of children and adults are overweight or obese. Data from the NITI Aayog report shows that in 2020, 4% of children under 5 were overweight/obese, and 9% of women aged 15-49 were overweight/obese. Approximately 10% of men and women have been diagnosed with high or very high blood sugar levels (NFHS 4).
Mosquitoes' prevalence in Gurugram is quite high and dengue is one of the major threats to the city. As per data from the Municipal Corporation in Gurugram, 175 cases were recorded in 2024 for dengue, with areas like Om Nagar, Kadipur, Anjana Colony and Manesar majorly affected. This is due to constant water logging during rainy seasons and collecting stagnant water.
Influenza or particularly H3N2 influenza has a high prevalence in the city. There was a surge in Influenza cases in the year 2023 (30% in government hospitals and 40% in private hospitals) as per data. The influenza A was seen to be more dominant than the B variant, showcasing the urge of concern amongst the citizens.
Water-borne diseases have seen a surge in the city of Gurugram, mainly due to contamination of water. A recent incident in Gurugram's Sector 89 highlighted water contamination issues, leading to multiple cases of typhoid, stomach infections, and diarrhoea among residents. The water samples were collected by the health department for checking and this report was given by them.
Gurugram is infamous for its AQI. Air pollution is the major culprit for respiratory disorders like COPD, Asthma and bronchitis in Gurugram. In 2024, there was a surge in the respiratory-related conditions seen in the hospitals of Gurugram (over 100 cases were logged in a week).
Healthcare insurance plans help you out financially when you need medical assistance. Here is why you should get health insurance in Gurugram:
With inflation on the rise, getting healthcare is expensive. Just a trip to the hospital for a treatment can take thousands from your bank account in an instant. But, that can be resolved with health insurance.
People tend to compromise on health because of the treatment costs. This is a grave mistake, and can be avoided if you have health insurance. At least the money part of the problem will be covered. Get quality healthcare treatments and the burden of finance will be taken care of by healthcare insurance.
One of the major wallet-busting expenses are the critical illnesses. Cost of treatments, medicines, hospitalisation costs will not just leave a hole, but would probably take a lump-sum amount of savings from your account. Critical illness plans help you tackle diseases like chronic respiratory disorders, cancers, cardiovascular diseases, etc.
The prevalence of lifestyle diseases in Gurugram is getting higher and higher. These diseases do not just go away with a single treatment. It requires long-term treatments, especially for conditions like obesity and diabetes. You will require long term medications, constant monitoring devices and consultations on a regular basis for these diseases. Having health insurance gives you a little bit of peace, so that you just have to worry about the diseases, not the cost.
Visiting a network hospital for treatment or diagnosis ensures cashless claims, the amount will be settled by the insurer and the hospital. You do not have to worry about carrying cash, paying the bill, etc. But only if you have health insurance.
Types of Health Insurance in Gurugram There are different types of health insurance available in Gurugram, catering to different needs of the policyholder. These include:
This type of coverage plan covers health insurance for your entire family.
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.
Insurance plan catering specially for elderly and aged people.
Customise your base insurance plan with add-ons like Room Rent Waiver, OPD Cover, Accidental Disability Cover, etc.
Here is what is covered under health insurance and what is not, in Gurugram:
| 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 |
Buy health insurance policy in Gurugram from Coverfox by following 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.
If you wish to renew your health insurance policy in Gurugram, all you have to do is follow these simple steps:
You would need these documents in order to buy or renew health insurance plan in Gurugram:
In Gurugram, there are 2 types of claims that you can file for which include:
These tips will help you find the best healthcare insurance policy in Gurugram:
Know what’s covered and what’s not
Check for pre-existing conditions, maternity, and specific treatments
Look out for cashless hospitals that are available in your area
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 benefits
Look for annual check-up benefits.
You can make as many claims as you want for health insurance, but it is capped at the sum insured amount written in your policy. To ensure optimum use of health insurance, you should have enough sum insured to cover your entire bill. Gurugram is an urban city, hence a bit expensive. In Gurugram, you should have:
These are just assumptions made on the current costs of medical care in Gurugram, do your own research before selecting a sum insured amount.
An NRI can easily buy health insurance in Gurugram. But, the benefits of the policy will be applicable only in the city of Gurugram. You can get these benefits when you are visiting or relocating back to Gurugram. Similarly, you can also purchase health insurance for your family in Gurugram and enjoy benefits for your family. Buying health insurance will also fetch you some tax benefits making it a wonderful choice for you.
Here are the key benefits of health insurance plan in Gurugram:
Gurugram is a prospering city, but along with it the rising health concerns are a major issue. Inflation has caused medical care to be limited only to people who have enough money (although government schemes help the needy, but it's not nearly enough). Health insurance comes into play here, making sure you receive proper medical care and not worry about the finances. So, get your health insured today from Coverfox!
Ans: Yes, you get tax benefits under section 80D of Income Tax Act.
Ans: The best health insurance plan depends on the premium rate, coverage, type of health insurance, room rent, add-ons, critical illness plan, sum insured, etc depending on your needs.
Ans: No, you should have at least ₹5 lakh to ₹10 lakh sum insured in Gurugram.
Ans: Yes, you can buy multiple health insurance plans in Gurugram.
Ans: Yes, you can.
Ans: No, you cannot directly file a claim after you buy a health insurance policy in Gurugram, there is a waiting period before you can make a claim.
Ans: You can raise as many claims as you want against your health insurance policy, but it's capped at the sum-insured under your policy.
Ans: Yes, visit Coverfox, to buy health insurance online in Gurugram.
