Health Insurance in Coimbatore

Coimbatore is considered the ‘Manchester of Tamil Nadu’ for its flourishing textile industry. While the city houses several temples, it is also famous for its gorgeous lakes and rich culture. Moreover, it is a prominent hub for high-end healthcare facilities in the state, which can be expensive for many people to afford. To access quality healthcare facilities without losing all your savings, you must purchase health insurance in Coimbatore.

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      Health Statistics of Coimbatore

      Check out some of the health statistics of Coimbatore:

      • Every 2nd woman in Coimbatore is obese
      • One in 4 women in Coimbatore is prone to diabetes
      • 18.3% of men in Coimbatore have high blood sugar levels
      • Prostate cancer is the most common type of cancer in Coimbatore
      • 21.4% of men above 15 years in Coimbatore use any form of tobacco

      Why Do You Need Health Insurance in Coimbatore?

      Here are some of the reasons why buying health insurance in Coimbatore is a great idea:

      1. High Incidence of Lifestyle Diseases

        Coimbatore has a high incidence of lifestyle diseases, such as hypertension and diabetes. As per the data by the Coimbatore Health Department, 75,000 new cases of lifestyle diseases were identified in the city under the Makkalai Thedi Maruthuvam (MTM) scheme by May 2022. These diseases not only plague our bodies but also slowly exhaust our savings. However, you can safeguard your savings if you have a critical illness insurance policy.

      2. Prevalence of Vector-Borne Diseases

        The city of Coimbatore is located near the Noyyal River and, thus, is prone to floods during heavy rainfall. In fact, more than 50 houses in the city were flooded in November 2023 due to the overflowing river. The stagnant water provides the ideal breeding ground for mosquitoes spreading dengue and other vector-borne diseases. Since severe cases of vector-borne diseases lead to hospitalization, buying health insurance for vector-borne diseases is recommended.

      3. Access to Top Quality Treatment

        Coimbatore has a well-established medical infrastructure with advanced and world-class treatments. However, they are available for an expensive price, especially in private hospitals. As a result, a lot of people delay their treatment or compromise with their treatment. But with the best health insurance plans in India, you can ensure the best quality treatment without exhausting all your savings.

      4. Avail Cashless Treatment

        One of the best things about buying health insurance in Coimbatore is getting access to cashless treatment. All health insurance plans offer cashless treatment and enable the patient to obtain medical treatment without paying the bills at discharge. Instead, the insurance company pays the hospital bills upon treatment completion. You cannot avail cashless treatment unless you buy a mediclaim policy for yourself.

      Major Health Problems in Coimbatore

      Take a look at some of the major health problems in Coimbatore:

      1. Hypertension

        Hypertension has a high prevalence in Coimbatore. According to the data released by the Coimbatore Health Department, more than 72,000 cases of hypertension were detected in the city under the MTM scheme by May 2022. Besides, the data also revealed that people above 18 years old in Coimbatore are now suffering from high blood pressure due to poor lifestyles and food habits.

      2. Diabetes

        Diabetes has a huge presence in Coimbatore. As per the district health department data, around 37,678 new cases of diabetes were identified in Coimbatore under the MTM scheme by May 2022. Increased body weight, lack of physical activities, stress and excess consumption of high-calorie food are some of the primary reasons for the high incidence of diabetes in the city.

      3. Obesity

        Obesity is growing at an alarming rate in Coimbatore. According to the National Health Survey report, around 50% of the women in Coimbatore between 15 and 49 years are either overweight or obese. Doctors blame erratic food habits and sedentary lifestyles for the increasing obesity cases in the city.

      4. Dengue

        Dengue is quite prevalent in Coimbatore city. As per reports, 1336 cases of dengue were reported in Coimbatore in 2023. Stagnant water due to incessant rainfall is the primary cause of dengue in Coimbatore.

      How Much Health Insurance Coverage Do You Need in Coimbatore?

      As a resident of Coimbatore, you must opt for a health insurance coverage amount sufficient to cover all your medical expenses in the city, especially the treatment cost of a lifestyle disease like cancer, diabetes, etc. In fact, insurance experts advice buying medical insurance with a sum insured of at least half of your annual income.

      Considering the high prevalence of lifestyle diseases and their expensive treatment, you must purchase a health insurance policy of Rs 5 lakh to Rs 10 lakh in Coimbatore. If you want to cover the medical expenses of your entire family in Coimbatore, a family health insurance policy of at least Rs 20 lakh must be bought. Similarly, senior citizens in Coimbatore must opt for a senior citizen health insurance policy of Rs 15 lakh or above.

      Health Insurance in Coimbatore for NRIs

      NRIs or Non-resident Indians from Coimbatore who have settled outside India can also purchase health insurance for themselves and their family from an Indian insurer. This health insurance for NRIs policy can come in handy if you incur any medical expenses during your visit or stay in India. In fact, the same policy can be continued if you eventually decide to move back to India permanently.

      If your parents reside in Coimbatore, you can cover all their medical expenses with the help of a health insurance for parents policy. This will enable you to stay financially prepared for any medical emergencies that your parents may face with age. Moreover, as an NRI, you can get a GST refund of 18% if you purchase a mediclaim insurance policy from India.

      You can also read: GST Refund on Health Insurance for NRIs

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

      No.

      The Tamil Nadu Government in January 2012 launched the Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) to provide cashless treatment to underprivileged families in the state. However, the scheme falls short of providing comprehensive medical coverage to the citizens of Coimbatore city.

      Take a look at the following table to find out why the Chief Minister’s Comprehensive Health Insurance Scheme is not sufficient to cover all healthcare expenses of the people in Coimbatore:

      Categories Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) Private Health Insurance
      Procedures Covered CMCHIS offers coverage for 1090 medical procedures, 8 follow-up procedures and 52 diagnostic tests. Private health plans cover a wide range of medical procedures, surgeries, OPD treatments, day care treatments, pre-hospitalization and post-hospitalization expenses. However, the exact coverage may vary as per the plan chosen.
      Sum Insured The scheme offers Rs 1 lakh of sum insured per family for a tenure of 4 years. You can buy a health policy with a maximum sum insured of Rs 6 crore, depending on your budget.
      Who is Eligible? Families with an annual income of up to Rs 72,000 and members of unorganized labour welfare boards are eligible for the CMCHIS scheme. All residents of Coimbatore can buy a private health insurance plan.
      Network Hospitals You can avail treatment at more than 100 private and government hospitals in Coimbatore under this scheme. You can avail cashless treatment at all hospitals in Coimbatore as well as Tamil Nadu.

      Wellness and Prevention Tips in Coimbatore

      Check out some of the wellness tips to stay healthy in Coimbatore:

      • Maintain a healthy body weight by eating a low-calorie and high-protein diet in Coimbatore.
      • Exercise regularly along with weight training at least 2-3 times a week in Coimbatore.
      • Stop smoking tobacco and avoid consuming alcohol in Coimbatore.
      • All women above 40 years in Coimbatore must go for an annual breast cancer screening.
      • Replace simple carbohydrates in your diet with complex carbohydrates.
      • Boil water to prevent drinking contaminated water in Coimbatore.
      • Keep the areas around your house/office in Coimbatore clean to prevent stagnation of water.
      • Practice yoga or meditation to manage stress levels in Coimbatore.
      • Use mosquito nets and repellents to prevent mosquito bites.
      • Avoid eating processed foods and carbonated drinks in Coimbatore.
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