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icon Health Insurance icon Surat

Health Insurance in Surat

Surat, the city of diamonds and home to many textile industries in Gujarat faces many health risks today. Even though there is a developing healthcare ecosystem in the city, medical care is not fully accessible to everyone. This is mainly due to the inflated cost of healthcare in the city. Seasonal illnesses and lifestyle diseases are on the verge of a rise, and Surat is infamous for communicable disease outbreaks (Like the plague epidemic in 1994). On a more positive note, Surat has made significant strides in sanitation, becoming the first seven-star garbage-free city in Gujarat. All of these calls for the need for health insurance for every individual in Surat – to safeguard your health and help you in times of need.

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Health Insurance Premium in Surat Starting @ ₹250/month*

Common Health Issues in Surat

When monsoon strikes, the people of Surat fall sick to many seasonal diseases, which are communicable and vector-borne. And with the recent industrialisation and advancements, lifestyles have become sedentary, causing lifestyle diseases to surge in the city. Here are a few common health crises in Surat:

  • Hypertension

  • The prevalence of hypertension in Surat can be seen even in children. In Surat, a significant rise in hypertension patients, particularly in the 30 to 40 age group, has been observed. Studies have shown that hypertension is prevalent among both adults and school-going children in the city. Specifically, one study found a 6.48% prevalence of hypertension among school children aged 6 to 18, with males showing a slightly higher rate than females, according to the National Institutes of Health (NIH). Furthermore, a study on bank employees in Surat revealed that 30.4% had hypertension, with prehypertension affecting an additional 34.5%.

  • Diabetes

  • Another instance of lifestyle disease, diabetes, is a result of a sedentary lifestyle, poor eating habits and lack of physical activity. Surat ranks 2nd in city-level diabetes prevalence in India - after Mumbai - according to a large-scale Metropolis survey identifying high blood sugar in major metros (Indian Journal of Public Health Research and Development).

  • Obesity

  • In affluent adolescent populations in Surat, obesity and overweight rates were found to be 6.55% and 13.9% respectively, according to a study on PubMed, with boys exhibiting higher rates of both than girls. Obesity can lead to various complications in life, with a high risk of diabetes and heart-related conditions, which should cause an alarm for the people of Surat.

  • Dengue

  • Monsoons bring along vector-borne diseases in Surat. Waterlogging, stagnant water, and an increase in breeding grounds for mosquitoes lead to the severe infection of Dengue. Surat was recently identified—along with Vadodara and Ahmedabad—as among the Gujarat cities currently battling dengue outbreaks, according to local media in July 2025.

  • Cancer

  • In men, oral, throat, lung, and oesophageal cancers are most prevalent. Oral squamous cell carcinoma cases in Surat show a concerning trend: 79% male prevalence, with increasing diagnoses even among 20–30-year-olds (International Journal of Preventive and Dental Research) In women, breast and cervical cancers dominate, with breast cancer being the top cancer type—whose mean age at diagnosis is ~51 years.

List of Diseases Covered by Health Insurance in Surat

Asthma
Asthma
Dengue
Dengue
Diabetes Mellitus
Diabetes Mellitus
Malaria
Malaria
Thyroid
Thyroid

Reasons to Buy Online Health Insurance in Surat

Buying health insurance is an absolute necessity to avoid financial trouble and safeguard your hard-earned money. Buying health insurance online in Surat is even better. Get quick access to your insurance policy, and instant policy issuance, and you can also compare quotes from different insurers through Coverfox. Here are the reasons why you should buy health insurance in Surat.

  • Healthcare Inflation

  • Medical inflation is on the rise. Getting treated at a hospital will take a hit on your savings, and without health insurance, your finances can be easily hindered in today’s industry. Getting healthcare insurance ensures complete financial safety in case your health deteriorates due to an uncertain event.

  • Get access to quality healthcare

  • No need to worry about paying expensive fees for better healthcare, because health insurance will get you covered in Surat. Through their network of hospitals, insurers offer quality healthcare to their policyholders. So, no need to compromise on health because of money.

  • Prevalence of lifestyle and vector-borne diseases

  • Surat has a significant prevalence of lifestyle diseases like hypertension, obesity and diabetes, and vector-borne diseases like dengue and malaria. Lifestyle diseases require long-term treatment, whereas vector-borne diseases require immediate healthcare as they can become deadly. To maintain your financial security against these diseases, get health insurance in Surat.

  • Peace of Mind

  • Having health insurance at hand gives you peace of mind. In case your health deteriorates, you do not have to worry about finances; all you have to do is focus on recovering your health - health insurance will take care of your bills as per your policy.

  • Cashless Claims

  • If you wish to visit a network hospital in Surat for treatment, you can opt for cashless claims. In such a claim, the bill will be settled by the insurer with the hospital directly, and you do not need to worry about carrying cash for the bill.

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Save up to 60%* on Health Insurance in Surat

Types of Health Insurance in Surat

Health insurance plans in Surat include:

  • Family Floater Plans

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

  • Critical Illness Insurance

  • This type of health insurance is available for severe diseases like strokes, organ failure, cancer, etc.

  • Individual Health Insurance

  • This type of health insurance covers an individual only.

  • Senior Citizen Health Insurance

  • A health insurance plan is available, especially for the elderly and aged people.

  • Top-Up & Super Top-Up Plans

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

Types of Health Insurance Available in Surat

Individual Health Insurance
Individual Health Insurance Plan
Family Health Insurance
Family Health Insurance Plan
Group Health Insurance
Group Health Insurance Plan
Critical Illness Insurance
Critical Illness Insurance Plan
Personal Accident Insurance
Personal Accident Insurance Plan
Maternity Health Insurance
Maternity Health Insurance Plan
Health Insurance for Senior Citizens
Health Insurance Plans for Senior Citizens
Women Health Insurance
Women Health Insurance Plan
Cancer Insurance
Cancer Insurance Plan
Children Health Insurance
Children Health Insurance Plan
Health Insurance for Parents of NRIs
Health Plan for Parents of NRIs
Health Insurance for Smokers
Health Plans for Smokers
Health Insurance for Diabetics
Health Plans for Diabetics
Family Floater Health Plans
Family Floater Health Insurance Plans

Health Insurance Inclusions and Exclusions in Surat

Inclusions and Exclusions of Health Insurance in Surat are:

Inclusions Exclusions

Add-ons: can be customisable and are optional

Injuries caused due to war, terrorism, or hazardous activities

Claim Process: Easy cashless transactions through network hospitals or reimbursement process

Non-medical expenses like toiletries or administrative charges

Facility Benefits: Covers room rent, pre- & post-existing diseases (as per policy), organ donor expenses, and free health check-up

Illnesses during the initial waiting period (30–90 days)

Hospital & Treatment Expenses: Includes daycare 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)

Sum Insured: ₹5 lakh to ₹6 crore

Pre-existing conditions during the waiting period

Tax Benefits: Under Section 80D

Substance abuse-related complications

How to Buy a Health Insurance Policy in Surat?

Buy health insurance online in Surat through Coverfox:

  • Heading over to the Coverfox website

  • Navigate to the “Insurance > Health Insurance” Tab

  • Enter your mobile number

  • Enter your age

  • Select the type of insurance you are looking for

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

  • Add additional features if required

  • Compare the different health insurance policies in Surat

  • Select the best option and pay the prescribed fees

  • 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.

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Secure Your Health in Surat at Just ₹250/Month*

How to Renew Health Insurance Online in Surat?

Renew health insurance online in Surat through your insurer by:

  • Visit your insurer’s website

  • Head over to the renewal section

  • Enter your previous policy details

  • Check for any upgrades if you wish

  • Check for NCB benefits

  • Pay online using UPI/Debit/Credit Card/Net Banking

  • Get your renewed policy in your email

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

Documents Required for Buying/Renewing Health Insurance in Surat

You would need the following documents to buy or renew a health insurance plan in Surat:

  • 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).

How to Claim Health Insurance in Surat?

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

  • Cashless Health Insurance Claims in Surat

    1. Inform your insurer about the claim

    2. Submit a pre-authorisation request at a network hospital

    3. Once approved, receive treatment without paying anything

    4. The insurer settles the bill directly with the hospital

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

  • Health Insurance Reimbursement in Surat

    • 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 Surat

  • 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.

Tips for Finding the Best Health Insurance Policy in Surat

While buying health insurance in Surat, 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 the 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.

How Much Health Insurance Coverage Do You Need in Surat?

Surat is a developing city in Gujarat, a huge marketplace for garments and diamonds. This makes it a hotspot in the state, along with the living expenses in this city being quite higher than the surrounding areas. The sum insured amount is the total amount that the insurer insures for you, and it should cover all the expenses for the treatment. To cover treatment in Surat, you need at least:

  • ₹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 Surat.

Health Insurance in Surat for NRIs

The Non-Resident Indians (NRIs) originally from Surat who are settled abroad can buy 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 Surat, 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 a GST refund on health insurance policies.

Benefits of Health Insurance In Surat

The key benefits of Health Insurance in Surat 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 and to get discounts on health insurance plans.

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Get Health Insurance Policy in Surat Starting at Just ₹8/day*

General Insurance Companies in India

Bajaj Allianz General Insurance
Bajaj Allianz General Insurance
ICICI Lombard General Insurance
ICICI Lombard General Insurance
Cholamandalam MS General Insurance
Cholamandalam MS General Insurance
Manipal Cigna Insurance
Manipal Cigna Insurance
Digit General Insurance
Digit General Insurance
Zuno General Insurance
Zuno General Insurance
Future Generali Insurance
Future Generali Insurance
HDFC ERGO General Insurance
HDFC ERGO General Insurance
IFFCO Tokio General Insurance
IFFCO Tokio General Insurance
Kotak General Insurance
Kotak General Insurance
L&T General Insurance
L&T General Insurance
Liberty General Insurance
Liberty General Insurance
Magma HDI General Insurance
Magma HDI General Insurance
National General Insurance
National General Insurance
New India Assurance
New India Assurance
United India General Insurance
United India General Insurance
Oriental Insurance
Oriental Insurance
Raheja QBE General Insurance
Raheja QBE General Insurance
Reliance General Insurance
Reliance General Insurance
Royal Sundaram General Insurance
Royal Sundaram General Insurance
SBI General Insurance
SBI General Insurance
Shriram General Insurance
Shriram General Insurance
Universal Sompo General Insurance
Universal Sompo General Insurance
Star Health & Allied Insurance
Star Health & Allied Insurance

Conclusion

Health insurance is not an expense; it's your safety net during times of need. In Surat, where lifestyle diseases are dominantly prevalent, health insurance should not be an option, but a necessity. You can get the best quotes on health insurers through Coverfox, so what are you waiting for? Head over to Covefox and start your health insurance journey with the best!

Frequently Asked Questions

  • Q. Does buying a health insurance plan in Surat make me eligible for tax benefits?

    • Ans: Yes, under section 80D of the Income Tax Act.

  • Q. Which is the best health insurance policy in Surat?

    • Ans: The best health insurance policy in Surat covers all diseases at risk, covers hospitalisation, room rent and other charges and has a sufficient sum insured amount to cover the cost of treatment.

  • Q. Is Rs. 2 lakh health insurance enough in Surat?

    • Ans: No, you would need at least ₹5-10 lakhs sum insured.

  • Q. Is it possible to buy multiple health insurance plans in Surat?

    • Ans: Yes, you can buy multiple health insurance plans in Surat.

  • Q. Can I buy a single health insurance plan for myself and my family in Surat?

    • Ans: Yes, a family plan health insurance can cover you and your family in Surat.

  • Q. Can I file a claim immediately after buying the health insurance policy in Surat?

    • Ans: No, there is a waiting period.

  • Q. What is the maximum number of claims I can raise against my health insurance policy in Surat?

    • Ans: You make any number of claims, provided they are under the sum insured amount.

  • Q. Is it possible to buy health insurance in Surat online?

    • Ans: Yes, it is possible to buy health insurance in Surat and you can buy insurance policy through Coverfox.

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