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.
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:
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%.
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
Health insurance plans in Surat include:
This type of health insurance plan covers health insurance for your entire family.
This type of health insurance is available for severe diseases like strokes, organ failure, cancer, etc.
This type of health insurance covers an individual only.
A health insurance plan is available, especially for the elderly and aged people.
Customise your base insurance plan with add-ons like Room Rent Waiver, OPD Cover, Accidental Disability Cover, etc.
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 |
Buy health insurance online in Surat through Coverfox:
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.
Renew health insurance online in Surat through your insurer by:
You would need the following documents to buy or renew a health insurance plan in Surat:
In Surat, there are 2 types of claims that you can file for in Surat which include:
While buying health insurance in Surat, look out for these tips:
Know what your inclusions and exclusions are
Check for the waiting period for pre-existing conditions, maternity, and specific treatments
Look out for cashless hospitals that are available in your area
The Sum insured should cover the 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.
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:
These are just assumptions made on the current healthcare costs in Surat.
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.
The key benefits of Health Insurance in Surat include:
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!
Ans: Yes, under section 80D of the Income Tax Act.
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.
Ans: No, you would need at least ₹5-10 lakhs sum insured.
Ans: Yes, you can buy multiple health insurance plans in Surat.
Ans: Yes, a family plan health insurance can cover you and your family in Surat.
Ans: No, there is a waiting period.
Ans: You make any number of claims, provided they are under the sum insured amount.
Ans: Yes, it is possible to buy health insurance in Surat and you can buy insurance policy through Coverfox.