Health Insurance in Chandigarh

Chandigarh, one of the oldest planned cities in the country, also has the highest per capita income in India. With rising living standards, the city offers exceptional healthcare facilities. However, the cost of availing these health services remains expensive. By buying health insurance in Chandigarh, you can access top-notch medical facilities at a more affordable and reasonable cost.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
7.7 crore
Registered consumers
53
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
      Advantages of entering an International Number
      Prompt connectivity
      Find the right plan in under 20 minutes
      Get best discounts
      Ensure smooth issuance

      Health Statistics of Chandigarh

      These are some health statistics about Chandigarh:

      • Chandigarh reports the 4th highest cases of diabetes in India.
      • 28% of adults and 56% of older people in Chandigarh are either obese or overweight.
      • 81% of people in Chandigarh hesitate to visit a mental health expert.
      • 63% of men and 83% of women lead a sedentary lifestyle in Chandigarh.
      • Approximately 42% of the people in Chandigarh report skin problems.

      Why Do You Need Health Insurance in Chandigarh?

      Here are some significant reasons why it is essential for everyone to purchase health insurance in Chandigarh:

      1. Prevalence of Lifestyle Diseases

        Lifestyle diseases, such as cancer, obesity, heart disease, diabetes, etc., have been growing at an alarming rate in Chandigarh. In 2021, the city reported the highest number of obesity and overweight cases. Doctors believe the sedentary lifestyle of people to be the primary cause of various lifestyle diseases, including obesity and heart problems.

        Treating these lifestyle diseases can drain your savings as they are expensive and go on for a long time. For instance, diabetes-related expenses accounted for an average of 49% of the total family income in Chandigarh. However, you can obtain treatment for these diseases in Chandigarh without losing all your funds if you have a critical illness insurance policy.

      2. Mental Disorders are a Big Concern

        Chandigarh reported a total of 91 suicides in the initial 8 months of 2023. Research has revealed that late-night internet use and chatting are major causes of depression and other mental disorders like anxiety, schizophrenia, etc. Besides, mental illness requires long-term treatment, which not everyone can afford. But what most people do not know is that mental illness is covered under all health insurance plans, including room rent, cost of diagnostic procedures, treatment costs, medications, etc.

        People also read: Does Health Insurance Cover Psychological Disorders?

      3. Get Quality Medical Facilities

        Chandigarh boasts a robust medical infrastructure with advanced diagnostic centres and highly skilled healthcare professionals. These high-end healthcare facilities in Chandigarh are expensive and can put a financial burden. However, buying the best health insurance plan can help you access the best treatment without straining your finances.

      4. Avail Cashless Treatment in Chandigarh

        In case of a medical emergency, arranging money to pay the hospital bills should be the last thing on your mind. With a mediclaim policy, you can make that possible by availing cashless treatment at any hospita in Chandigarh. By obtaining cashless treatment, you can focus on a quick recovery while your insurance company will take care of your medical bills.

      Major Health Problems in Chandigarh

      Take a look at some of the significant health problems in Chandigarh:

      1. Diabetes

        Chandigarh reports more cases of diabetes than the national average estimate of 11.4%. As per a Lancet study, approximately 20.4% of people in the city have diabetes. Doctors attribute sedentary lifestyles, unhealthy eating habits and sleep patterns as the primary cause of diabetes in the city.

      2. Mental Disorders

        Mental disorders are another common concern in Chandigarh. According to health experts, around 13% of the city's population above 18 years of age are suffering from mental disorders, such as depression, anxiety, alcohol and substance abuse, etc. Moreover, most people in Chandigarh lack knowledge about mental health and are hesitant to seek help from an expert.

      3. Obesity

        Chandigarh is on the road to become the obesity capital of India. As per the Indian Council for Medical Research, about 13.6% of people in Chandigarh are obese, which is the highest in the country. Experts blame sedentary lifestyles and bad dietary habits for the high prevalence of obesity in the city.

      4. Hypertension

        Another major health issue in Chandigarh is hypertension, also known as high blood pressure. In 2021, 50% of the older people in Chandigarh were diagnosed with hypertension. Lack of exercise, wrong food habits and sedentary lifestyles are some of the primary reasons for a surge in hypertension cases in the city.

      5. Respiratory Illnesses

        Landfills pose a major health issue for people living in Chandigarh. Toxins released in the air are a leading cause of respiratory illnesses in the city, including asthma and bronchitis. In fact, the city hospitals were flooded with cases of respiratory illnesses in December 2022, thanks to the poor air quality.

      How Much Health Insurance Coverage Do You Need in Chandigarh?

      When selecting a health insurance policy in Chandigarh, it is essential to opt for a sum insured that ensures comprehensive coverage and sufficient financial protection. Experts say your coverage amount should be at least half of your annual income in Chandigarh. However, your coverage amount should be enough to cover the treatment cost of a critical illness like cancer.

      The health infrastructure and medical facilities available in Chandigarh are expensive. Thus, opting for a minimum health insurance coverage of Rs 5-10 lakh per person is necessary. For complete family coverage in Chandigarh, it is advisable to consider a family floater health insurance plan with a minimum sum insured of Rs 20 lakh.

      On the other hand, older people residing in Chandigarh should consider purchasing a senior citizen health insurance policy with a minimum coverage amount of Rs 15 lakh, as their healthcare requirements tend to increase with age.

      Health Insurance in Chandigarh for NRIs

      As an NRI, if you frequently travel to Chandigarh and also require medical advice, choosing health insurance for NRIs is beneficial to protect your hard-earned savings. You can use the policy to pay your and your family’s medical bills in Chandigarh. You can also buy health insurance for parents back home in Chandigarh to support their healthcare expenses financially.

      Additionally, if you plan to reside in Chandigarh permanently after a few years, purchasing a medical insurance policy as soon as possible is advisable to fulfil the waiting period requirement. Doing so can ensure that all your waiting periods have been served by the time you return to your city for good.

      Moreover, buying a health policy not only offers financial support for medical issues but also provides tax benefits. Furthermore, purchasing a health insurance plan in Chandigarh makes you eligible for an 18% GST refund if you pay taxes in your country of residence.

      People also read: GST Refund on Health Insurance for NRIs

      Is Government Health Insurance Enough to Cover Medical Expenses in Chandigarh?

      No.

      In 2019, the Punjab Government launched a flagship health insurance scheme - Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana - to provide cashless coverage for secondary and tertiary care hospitalization. The scheme, however, does not provide comprehensive coverage against the various health issues in Chandigarh. To comprehend why the Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana is not sufficient to pay for your medical expenses in Chandigarh, refer to the table below:

      Categories Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana Private Health Insurance
      Scope of Coverage You can avail coverage for identified illnesses in 1579 packages. You can get coverage for a broader range of diseases with private health insurance plans.
      Sum Insured The beneficiary family can only receive a maximum health insurance coverage of Rs 5 lakh. People living in Chandigarh can get a health insurance policy of as high as Rs 6 crore.
      Eligibility Only people with NFSA ration cards, SECC beneficiaries, farmers, construction workers, small traders and journalists are covered under this scheme. Depending on your financial and health needs, anyone can purchase a private health insurance plan in Chandigarh.
      Pre and Post-hospitalization Expenses The scheme covers 3 and 15 days of pre and post-hospitalization expenses. Most of the private health insurance plans in Chandigarh cover 30 & 60 days of pre and post-hospitalization expenses. This may, however, vary according to your chosen plan.

      Wellness and Prevention Tips in Chandigarh

      Given below are some of the wellness tips for people living in Chandigarh

      • Eat immunity-boosting foods and drink juices rich in Vitamin C.
      • Do at least 30 minutes of moderate aerobic exercises.
      • Choose to drink plain water, plain milk, tea or coffee without added sugar.
      • Avoid smoking and excessive consumption of alcohol.
      • Practice yoga or meditation to reduce your stress levels.
      • Keep your houses, society complexes and other surroundings clean and dry.
      • Stay hydrated to maintain healthy skin throughout the year.
      • Use masks when stepping out of your house to prevent respiratory illnesses.
      • Take at least 7-9 hours of uninterrupted sleep to relax your body.
      book-home-visit
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      *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. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL