Mangaluru (formerly known as Mangalore) was named after Mangaladevi. It is one of the major ports in India, with a geographical location between Arabian Sea and the Western Ghats. Mangalore used to rank 12th in the world for healthcare quality (Report by Numbeo, 2017), making it a major medical tourist hub (approximately 240 foreign nationals received medical treatment in Mangalore between 2017 and 2019 – multiple hospital reports). People from neighbouring districts and even foreign countries come to this city seeking medical care. However, quality healthcare sure can become expensive. Healthcare insurance ensures you receive this quality healthcare without a financial burden. Lets dive into the world of health insurance in Mangalore.
Although Mangalore has one of the best healthcare systems in India, certain health problems are rising at an alarming rate in the city. These include:
Mangalore faces a huge mosquito problem. This is because of waterlogging, heavy rainfall, and collection of stagnant water. Malaria is the major concern here – Ministry of Health and Family Welfare. Cases have drastically declined from 4,741 in 2017 to just 87 in 2024. However, new cases are emerging among migrant workers from states like Odisha and Jharkhand. In 2024, Mangalore reported 119 dengue cases as per a report by Karnataka Health Department.
In 2024, the South faced a measles issue. It is an infectious disease where the body gets hot and small red spots develop across the entire body. Out of 4,893 hospital admissions, 657 were diagnosed with measles, indicating a prevalence of 13.4% (ResearchGate). The national campaign to eliminate Measles-Rubella by 2026 is a significant step towards addressing these diseases in India.
Cancer is another major critical illness that is prevailing in Mangalore. High incidence of lung, oral cavity, and stomach cancers in males and breast, cervix, uteri, and ovary cancers in females are the most common cancers in Mangalore.
Mangalore is notorious for air pollution. The amount of PM 2.5 in air is about 6 to 7 times more than the recommended levels as per WHO in Mangalore (Central Pollution Board Data). Asthma, Bronchitis and lung cancer are rising at an alarming rate in Mangalore. Smoking is another major factor contributing to respiratory disorders.
Hypertension, Diabetes and Obesity are at an all time high in the city of Mangalore. The major cause of these diseases is sedentary lifestyle. A study (Journal of Neonatal Surgery) conducted among school children in Mangalore reported an obesity prevalence of 5.2% and overweight prevalence of 10.53%. Obesity rates were notably higher among students from private schools and urban areas. A cross-sectional study in the rural field practice areas of a medical college in Mangalore found a diabetes prevalence of 7.7%. Among diabetics, 50% also had hypertension. Inactivity, bad food habits, smoking, and drinking alcohol are the major culprits behind these diseases.
Here is why buying health insurance online in Mangalore is beneficial for you:
Inflation is on the rise, and the healthcare system is no exception to this. Yes, Mangalore does have an excellent healthcare system but it does come at an expense. This expense can very well hurt your wallet if you do not have health insurance.
Get access to best quality healthcare with health insurance through their network hospitals. No need to cut back on health if you have healthcare insurance. Budgeting on health should not be an option for anyone, because health is wealth.
As these conditions are on the rise, getting medical care for them is expensive. Especially for lifestyle diseases like hypertension and diabetes, constant medical care is required in the form of medicines, diagnosis and treatments. This will take a toll on your wallet if it is not covered with a health insurance policy.
Air pollution in Mangalore is at an alarming high rate. The AQI of Mangalore is very poor, because of vehicle and factory emissions. This has led to diseases and disorders like bronchitis, TB, asthma and COPD. Smoking also has added to this problem. The need for health insurance is more than ever today.
The different types of health insurance policies available in the city of Mangalore are as follows:
In case of severe diseases like strokes, organ failure, cancer, etc. a critical illness insurance policy is needed.
This type of coverage plan covers health insurance for your entire family.
This type of insurance covers an individual person only.
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.
While buying health insurance, make sure you check out inclusions and exclusions of the policy to avoid future claim problems in Mangalore:
| 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 |
To purchase healthcare insurance plans in Mangalore, 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.
To renew your health insurance policy in Mangalore, follow these steps:
You will require the following documents to buy/renew health insurance in Mangalore:
Follow these quick tips to get the best health insurance policy in Mangalore:
Understand 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
Choose enough coverage for future medical costs
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 benefit loss
Look for annual check-up benefits.
Health insurance claims are capped out at the sum insured in the policy. For example, if you have a health insurance plan with ₹2 lakh sum insured, and the hospital bill is ₹4 lakh, you will have to pay the remaining amount out of pocket (depending upon policy). So to ensure you do not have to face out of pocket expenses, get enough sum insured in the city of Mangalore as per medical requirements. In Mangalore, a healthcare policy should have at least ₹5 lakh - ₹10 lakh sum insured for an individual, for optimum usage. Here is a better breakdown of the coverage needed in Mangalore.
These are just assumptions made on the current costs of medical care in Mangalore, do your own research before selecting a sum insured amount.
If you are an NRI, and you wish to buy health insurance in Mangalore, you can easily do so. But, the benefits of the policy will be applicable only in the city of Mangalore. You can avail these benefits when you are visiting or relocating back to Mangalore. Similarly, you can also purchase health insurance for your family in Mangalore and enjoy benefits for your family. Buying health insurance will also fetch you some tax benefits, so it's a win for you financially.
Here are the benefits of health insurance plan in Mangalore:
With the growing inflation and expensive medical care, health insurance plans are becoming more of a necessity than a luxury. Do not compromise on your health just to save a few bucks. Mangalore has one of the best healthcare systems in the country, make sure you do not waste it. Get the best health insurance quotes at Coverfox, and get insured today!
Ans: Yes, you get tax benefits under section 80D of Income Tax Act.
Ans: To get the best health insurance policy in Mangalore, you need to check in various factors like room rent, sum insured, claim-settlement ratios, etc to determine what suits best for you.
Ans: It is recommended to have at least ₹5 lakh to ₹10 lakh sum insured health insurance plan in Mangalore for individual health insurance.
Ans: Yes, you can buy multiple health insurance plans from different health insurers in Mangalore.
Ans: Yes, you can.
Ans: No, there is a waiting period after you buy a health insurance plan to make a claim against it.
Ans: You can make as many claims as you want, as long as they are under the sum insured amount.
Ans: Yes, you can buy health insurance online through Coverfox in Mangalore.
