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Health Insurance in Bhopal
Bhopal, the capital of Madhya Pradesh, is a city of lakes and rich heritage. This beautiful city offers a unique blend of tradition and modernity. Despite its charm, the medical care infrastructure in Bhopal is facing significant challenges, with healthcare expenses on the rise. If you wish to access quality treatment without burning a hole in your pocket, investing in health insurance in Bhopal is essential.
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Why Do You Need Health Insurance in Bhopal?
Check out the reasons why buying mediclaim insurance in Bhopal is essential:
6,51,00,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Bhopal No. of Claims Settled 4 K Claim Amount Settled 20 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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Surge in Cancer Cases
Cancer is a growing health concern in Bhopal. According to the cancer registry at the city’s Gandhi Medical College, Bhopal has the second-highest number of mouth cancer cases in India. Cancer treatment can be extremely costly, but a health insurance plan for cancer patients can ensure you get the necessary treatment without worrying about hefty medical bills.
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Prevalence of Vector-Borne Diseases
Vector-borne diseases, such as dengue or malaria, are most common during the rainy season in Indian cities. Bhopal has also seen an increase in dengue, malaria, and chikungunya cases in 2024. According to the City Health Department, Bhopal reported 114 cases of dengue, 19 of chikungunya, and 9 of malaria by the first week of August 2024. While mild cases are manageable at home, severe cases may require costly hospitalisation, putting a strain on your hard-earned savings. However, with plans like malaria health insurance or health insurance for dengue, you can obtain the required treatment without any financial hardship.
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Rise in Lifestyle Diseases
Lifestyle diseases, like hypertension, obesity and diabetes, are on the rise in Bhopal. According to the National Family Health Survey (NFHS)-5, hypertension cases among women aged 15-49 years increased by 13%, while obesity/overweight cases in the same age group rose by 8% in Bhopal when compared to the NFHS-4 data. Treating severe lifestyle diseases can be costly and may even require hospitalisation. However, health insurance plans can ease your financial burden by covering these medical expenses.
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Rising Healthcare Costs
The cost of healthcare in Bhopal is rising rapidly. For instance, a heart valve replacement surgery in Bhopal can cost ₹2.5 lakh or more, making it hard for many people to afford it. However, with the ideal health insurance plan in India offering ₹5-10 lakh coverage, your medical expenses will be taken care of by your insurer.
Major Health Problems in Bhopal
Take a look at some of the significant health problems prevalent in Bhopal:
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Cancer
Cancer is a growing concern in Bhopal. According to the ICMR-National Cancer Registry Programme data, Bhopal reports the highest tongue cancer cases among women in India. In fact, as per the National Centre for Informatics and Disease Research (NCDIR) report, 16.3 out of every one lakh people in Bhopal are affected by oral cancer. The state cancer nodal officer believes that chewing and smoking tobacco is the primary cause of the cancer issue in the district.
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Anaemia
Anaemia is another pressing issue, particularly among women and children in Bhopal. According to the fifth round of the National Family Health Survey, more than 4.30 lakh women in the age group of 15-49 years and approximately 1.58 lakh children below the age of 5 years are anaemic in Bhopal. This high number of cases is mainly due to the deficiency of iron and certain vitamins in their diets.
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Obesity
Obesity has seen a considerable rise among women in Bhopal. According to NFHS-5 data, over 2.5 lakh women in the age group of 15-49 years were diagnosed as obese/overweight in Bhopal. Experts relate this rise in obesity/overweight cases to factors, such as lack of physical activity, poor sleeping patterns, high amount of stress and anxiety, unhealthy eating habits, etc.
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Hypertension
Hypertension, or high blood pressure, is becoming increasingly common in Bhopal. The National Family Health Survey-5 reports that more than 1.78 lakh women aged between 15-49 years suffer from hypertension in Bhopal. Smoking, excessive alcohol consumption, unhealthy diet, medical conditions, and lack of physical activity are majorly responsible for the increase in hypertension cases in the city.
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Diabetes
Like other lifestyle diseases, diabetes cases are also rising in Bhopal. According to the National Family Health Survey-5, more than 1.14 lakh women, falling in the age group of 15-49 years, are diabetic in Bhopal. Unhealthy eating habits, lack of physical activity, and genetics might be driving the rise in diabetes cases in Bhopal.
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Dengue
Bhopal has witnessed a surge in dengue cases in the last few years. According to the monthly report of the District Malaria Officer (DMO), dengue cases in Bhopal hit a six-year high record in August 2024, with more than 100 cases. Experts believe that erratic weather conditions in the city have played a role in the spread of this mosquito-borne disease.
Claims Settled for Major Health Conditions in Bhopal
Cancer & Blood
Avg. claim ₹4 L
₹2 Cr
58 Claims
Heart & BP
Avg. claim ₹1 L
₹2 Cr
127 Claims
Infections & Fever
Avg. claim ₹60 K
₹2 Cr
351 Claims
Injuries & Accidents
Avg. claim ₹1 L
₹2 Cr
163 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Bhopal
Here are the recent health statistics of Bhopal:
- Bhopal recorded over 100 dengue cases in August 2024, the highest in 6 years.
- One out of every six cancer patients in India is from Bhopal.
- 68% of children and 54% of women in Bhopal are anaemic.
- Mouth, tongue, and lung cancers make up nearly 60% of all cancer cases in Bhopal.
- 31% of women are obese/overweight in Bhopal.
- 22% of women in Bhopal are suffering from hypertension.
Bansal Hospital ₹26 L Noble Multispeciality Hospital ₹26 L Rainbow Children Hospital ₹25 L BHOPAL FRACTURE HOSPITAL ₹17 L Marvel Hospital Pvt Ltd ₹16 L Reliance Hospital ₹16 L Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Claim Amount Settled for Top Hospitals in Bhopal
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Bhopal?
Experts in the insurance industry suggest having a health plan that offers coverage of at least half of your yearly income. However, always remember to choose a mediclaim policy that is sufficient to cover all potential medical expenses, including the costs of treating critical illnesses prevalent in the city.
Given the rising healthcare costs in Bhopal, you must buy an individual health policy with coverage between ₹5-10 lakh. If you seek comprehensive family coverage in Bhopal, consider investing in a family health insurance plan with a minimum sum insured of ₹20 lakh. Additionally, a senior citizen health insurance policy with a coverage of ₹15 lakh or more is suitable for senior citizens living in the city.
Health Insurance in Bhopal for NRIs
NRIs or Non-Resident Indians from Bhopal can buy a medical policy from any of the health insurance companies in India. This policy helps them pay for any unforeseen healthcare expenses incurred during their long-term stay or short-term visit to Bhopal. Moreover, they can continue using the same health insurance for NRIs policy if they plan to shift to Bhopal after a few years, and that too without serving any fresh waiting periods.
In fact, NRIs can also purchase health insurance for parents living in Bhopal, providing them with financial support in case of medical emergencies. Additionally, NRIs are eligible for an 18% GST refund on the premium paid to an Indian health insurance provider, given that they pay tax in their foreign country of residence.
People also read: GST Refund on Health Insurance for NRIs
Is Government Health Insurance Enough to Cover Medical Expenses in Bhopal?
No, it is not.
The Chief Minister of Madhya Pradesh launched the Deendayal Antyodaya Upchar Yojana in September 2004 to provide free health services to Scheduled Castes (SC), Scheduled Tribe (ST), and families below the poverty line. Under this scheme, beneficiaries can access free treatment and diagnostic tests for up to ₹20,000, with the limit raised to ₹30,000 for serious illnesses. However, this government health insurance scheme does not offer comprehensive coverage to residents of Bhopal.
Refer to the table below to understand why the Deendayal Antyodaya Upchar Yojana falls short of covering all healthcare expenses in Bhopal:
| Category | Deendayal Antyodaya Upchar Yojana | Private Health Insurance |
| Sum Insured | The Deendayal Antyodaya Upchar Yojana provides health coverage up to ₹30,000 to every eligible family in Bhopal. | The sum insured under a private health plan can range up to ₹6 crore, depending on your chosen plan. |
| Scope of Coverage | It covers diagnostic tests and various other procedures, including kidney transplants, deliveries, brain surgery, spinal cord operations, and more. | Private health insurance provides coverage for several surgeries, along with diagnostic tests, up to 100 critical illnesses, outpatient care, modern treatments, etc. |
| Eligibility Criteria | The applicant must be a resident of Madhya Pradesh. Families below the poverty line (BPL) are eligible. SCs and STs are eligible. Annual family income must be less than ₹6 lakh. Disabled persons are covered. |
All Bhopal residents can buy a private health insurance plan on the basis of their age, health status, and budget. |
| Hospitals Covered | Only government hospitals are covered under this scheme. | It offers cashless treatment facility across all hospitals in Bhopal. |
Wellness and Prevention Tips in Bhopal
Listed below are some of the useful wellness and prevention tips for Bhopal residents:
- Eliminate stagnant water around your home in Bhopal.
- Use mosquito coils or vaporisers indoors.
- Avoid eating processed foods and snacks in Bhopal.
- Limit your screen time in Bhopal to reduce sedentary behaviour.
- Stay hydrated by drinking enough water in Bhopal.
- Replace unhealthy snacks with nuts or fruits.
- Eat heart-healthy fats like olive oil and avocados in Bhopal.
- Engage in physical activities in Bhopal, such as aerobic exercise, walking or swimming.
- Get at least 7- 8 hours of sleep each night.
- Avoid smoking and exposure to tobacco smoke in Bhopal.
- Include vitamin C in your diet to enhance iron absorption in Bhopal.
- Add folate-rich foods like oranges and leafy greens to your meal.
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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