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Health Insurance in Bangalore
Bengaluru, formerly Bangalore, is considered the 'Silicon Valley of India', famous for its numerous temples, rich culture, thriving art and pleasant climate. Although healthcare facilities in Bangalore are excellent, they can be expensive for most people. To afford medical services whenever required, buying health insurance in Bangalore is a necessity. Read on to know why people living in Bangalore must purchase medical insurance.
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Why Do You Need Health Insurance in Bangalore?
Check out some of the reasons why buying health insurance in Bangalore is a must:
6,52,50,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Check claims in your city Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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Massive Air Pollution
The city of Bangalore is struggling massively with air pollution. As per the Greenpeace India report, Bangalore’s air is five times more polluted than the World Health Organization’s (WHO) safe levels. Poor air quality can lead to several diseases like asthma, lung cancer, diabetes, stroke, etc., that are expensive to treat. However, people with health insurance can afford to pay for the treatment of these diseases without losing their savings.
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Huge Burden of Lifestyle Diseases
Lifestyle diseases are growing at an alarming rate in Bangalore. Sedentary lifestyles, poor dietary habits and long working hours are said to be the root causes of the surge in lifestyle diseases in the city. Moreover, treatment for lifestyle diseases can easily exhaust your entire life’s savings. The only way to avail the treatment while safeguarding your savings is by buying a critical illness insurance policy.
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Costly Healthcare Services
Healthcare services in Bangalore are extremely costly. Even a week’s hospitalization can easily cost you lakhs of rupees, which not everyone can afford. As a result, a lot of people delay their treatment instead of taking it at an early stage. But by buying mediclaim insurance, you can avail treatment at the right time as your insurance company will pay for your medical bills.
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Access to Quality Treatment
Given the high cost of medical treatment in Bangalore, many people compromise on the quality of healthcare services. They tend to opt for affordable treatment options due to lack of funds and eventually risk their lives. However, buying the right health insurance policy allows you to afford the best quality treatment at a hospital of your choice in Bangalore.
Major Health Problems in Bangalore
Given below are some of the major health problems in Bangalore:
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Diabetes
Diabetes is the most prevalent lifestyle disease in Bangalore. As per a study by the Bruhat Bangalore Mahanagara Palike (BBMP), about 50% of people living with comorbidity in Bangalore have diabetes. In fact, diabetes is found to be more prevalent among Bangalore women under 40 years.
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Hypertension
Hypertension is the second most prevalent comorbidity in Bangalore. In fact, the BBMP study revealed that about 72.1% of people with hypertension in Bangalore remain undiagnosed. In fact, the disease is becoming extremely common among young people.
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Obesity
Obesity is a common problem in Bangalore, especially among children. In fact, one in every 5 children in Bangalore is overweight. A sedentary lifestyle, increased screen time, lack of sleep and lack of supervision from parents are some of the reasons for obesity among children in Bangalore.
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Dengue
Dengue is growing rapidly in Bangalore. In fact, about 7256 cases of dengue have been reported in Bangalore in 2023, which is the highest in the last few years. Intermittent rainfall and the effect of cyclones are believed to be the reason for the surge in dengue cases this year.
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Mental Illnesses
Mental illnesses are highly prevalent in Bangalore. In fact, severe mental disorders like schizophrenia saw a 41% increase in Bangalore from 2018-19 to 2020-21. Similarly, common mental disorders like depression, anxiety and OCD grew by 74% in Bangalore during the same period.
Claims Settled for Major Health Conditions in India
Cancer & Blood
Avg. claim ₹3 L
₹467 Cr
11 K Claims
Infections & Fever
Avg. claim ₹72 K
₹442 Cr
60 K Claims
Heart & BP
Avg. claim ₹1 L
₹437 Cr
22 K Claims
Injuries & Accidents
Avg. claim ₹1 L
₹389 Cr
27 K Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Bangalore
Take a look at some health statistics on Bangalore:
- 25% of people have diabetes in Bangalore
- 21% of people have high blood pressure in Bangalore
- Bangalore air is 5.8 times more polluted than WHO guidelines
- Dengue cases have doubled from 2022 to 2023 in Bangalore
- 25-30% of people suffer from mental disorders like depression, OCD and anxiety in Bangalore
Kokilaben Hospital ₹30 Cr KIMS Hospitals ₹21 Cr Dr B L Kapur Memorial Hospital ₹20 Cr Yashoda hospital ₹17 Cr Deenanath Mangeshkar Hospital ₹15 Cr Apollo Spectra Hospitals ₹14 Cr Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Claim Amount Settled for Top Hospitals in India
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Bangalore?
Residents of Bangalore should opt for health insurance coverage that sufficiently covers all their medical expenses. Experts suggest that your health insurance policy should have a sum insured of at least 50% of your yearly income. In fact, the coverage amount should adequately cover the treatment cost of a critical illness like cancer.
Considering medical inflation and high healthcare expenses in Bangalore, a health insurance policy of at least Rs 10 lakh is recommended. If you want coverage for your entire family, a family health insurance policy of Rs 30 lakh or more is recommended.
For older people, a senior citizen health insurance policy of at least Rs 20 lakh & above is recommended to meet their healthcare expenses in Bangalore.
Health Insurance in Bangalore for NRIs
Non-resident Indians or NRIs are eligible to buy medical insurance from an insurer in India. They can use this health insurance for NRIs policy to pay for the medical costs incurred during their stay or visit to India. In fact, NRIs who plan to shift back to Bangalore eventually can buy this policy early so that the waiting periods are over by the time the policy is claimed.
Moreover, NRIs can also buy health insurance for parents living in Bangalore. This will enable you to support your parents financially during a medical emergency, even if you are in another country. Besides, NRIs who have purchased health insurance in Bangalore can get a GST refund on the paid premium amount.
You can also read: GST Refund on Health Insurance for NRIs
Is Government Health Insurance Enough to Cover Medical Expenses in Bangalore?
The answer is NO.
The Karnataka Government launched the Ayushman Bharat - Arogya Karnataka Scheme in 2018 to provide universal health coverage to BPL (Below Poverty Line) and APL (Above Poverty Line) people of Karnataka. However, the scheme does not offer comprehensive coverage to the people of Bangalore.
Check out the table given below to know why the Arogya Karnataka Scheme is not enough to cover all medical expenses in Bangalore:
| Categories | Ayushman Bharat - Arogya Karnataka Scheme | Private Health Insurance |
| Scope of Coverage | The scheme aims to provide primary, secondary and tertiary medical care to BPL and APL families in Karnataka. | Private health insurance plans provide coverage for a wide range of diseases, injuries and medical procedures across various specialities. |
| Sum Insured | It provides a sum insured of Rs 5 lakh per family. General category people with an APL ration card can avail a sum insured of Rs 1.5 lakh per annum. | People can opt for a sum insured for up to Rs 6 crore, depending on their budget. |
| Procedures Covered | The scheme covers 1650 procedure packages with another 8 codes. | Private health plans offer coverage for all day care procedures, surgical procedures, OPD treatments, pre-hospitalization and post-hospitalization expenses. |
| Eligibility | Residents of Karnataka with a BPL ration card or APL ration card and beneficiaries of Rashtriya Swasthya Bhima Yojana and SECC data are eligible for the scheme. | Anyone can buy private health insurance plans as per their individual needs and budget. |
Wellness and Prevention Tips in Bangalore
Here are some wellness tips to stay healthy in Bangalore:
- Get uninterrupted sleep of at least 7-9 hours every day.
- Include more fruits and vegetables in your diet.
- Drink at least 2-3 litres of water daily in Bangalore.
- Avoid watching TV while eating to prevent overeating.
- Reduce the consumption of sugar, salt and junk food in Bangalore.
- Exercise or walk daily in Bangalore for 30 to 45 minutes to stay fit.
- Always drink boiled water in Bangalore to avoid consumption of contaminated water.
- Use mosquito repellents to prevent contracting dengue and malaria in Bangalore.
- Keep your surroundings clean in Bangalore and remove stagnant water to prevent mosquito breeding.
Health insurance companies
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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