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Health Insurance in Dehradun
Dehradun, a charming city in the Himalayan foothills, is famous for its beautiful scenery and pleasant climate. This capital city of Uttarakhand is a gateway to many picturesque hill stations. Moreover, with the city's growing population, significant development has occurred in the healthcare sector, leading to increased medical costs. However, residents of Dehradun can avoid draining their savings by investing in health insurance in Dehradun.
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Why Do You Need Health Insurance in Dehradun?
Take a look at the reasons why buying health insurance in Dehradun is important:
6,51,00,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Dehradun No. of Claims Settled 4 K Claim Amount Settled 17 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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Rising Air Pollution
Rapid urbanisation in Dehradun has significantly increased air pollution. According to the Urban Ambient Air Quality Status report by the Uttarakhand Pollution Control Board, the PM2.5 levels in Dehradun increased to 98.87 µg/m3 and PM10 levels to 224.96 µg/m3 in January 2024, both exceeding WHO standards. This rise in pollutants can cause respiratory problems, including asthma and bronchitis, especially in children and older people. Buying health insurance for asthma patients can help you cover the high costs of treating these respiratory issues.
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High Incidence of Vector-Borne Diseases
Dehradun frequently experiences outbreaks of vector-borne diseases like dengue, malaria, and chikungunya. As per the official data, about 1023 cases of dengue and 13 deaths were reported in Dehradun as of October 7, 2023. While mild cases can be managed at home, severe ones require hospitalisation, resulting in high medical expenses. To secure proper treatment without any financial burden, having health insurance for vector-borne diseases is recommended.
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Access to Quality Healthcare Services
Rising healthcare costs force many Dehradun residents to seek treatment at more affordable hospitals with limited healthcare facilities. Buying a mediclaim insurance policy can allow you to access top-quality healthcare services in the city without worrying about paying the bills.
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Increasing Healthcare Costs
Healthcare expenses in Dehradun can be overwhelming for a substantial chunk of the population. Even a short hospital stay in the city can cost lakhs of rupees, depending on the hospital and the procedure. With the ideal health insurance plan, you do not need to worry about increasing medical costs, as your insurance company will pay them up for you.
Major Health Problems in Dehradun
Listed below are some of the major health issues faced by Dehradun residents:
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Respiratory Diseases
Respiratory diseases are a common occurrence in Dehradun due to its rich flora and fauna. As per the Government Doon Medical College & Hospital, around 170-180 people (particularly young children and elderly) came to emergency wards on an average daily in October 2022 complaining of respiratory issues like bronchitis and asthma. Moreover, the air quality in Dehradun is moderately polluted, which is comparable to smoking more than two cigarettes a day.
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Dengue
Dengue fever is a major concern in Dehradun. According to official data, about 1,023 cases of dengue were reported in 2023 by October 7. Breeding of mosquitoes in stagnant water near industries and construction sites in the city is mainly behind this rise in dengue cases.
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Chikungunya
Chikungunya is another prevalent vector-borne disease in Dehradun. As per the Dehradun Health Department data, about 1185 chikungunya cases were reported in the city in 2023 by October 17. Waterlogging from frequent rains has been responsible for creating the ideal breeding conditions for the Aedes mosquitoes that transmit this vector-borne disease.
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Cancer
Cancer has a high incidence in Dehradun. According to oncologists, oral cancer among men and breast cancer & cervical cancer among women are the most common in Dehradun. Lifestyle factors, such as unhealthy diet, stress, excess consumption of alcohol, less physical activity, etc., contribute to the rise of cancer cases in the city.
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Obesity
Obesity is growing rapidly among the people of Dehradun. As per reports, 28.1% of people in Dehradun are overweight, which is the highest in the state. Lack of physical activities, wrong food habits and poor lifestyle are reasons for the growing number of obese people in the city.
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Musculoskeletal Pain
Musculoskeletal pain is becoming common in Dehradun. According to the November 2023 data of the Indian Journal of Public Health Research & Development, approximately 31.4% of people in Dehradun suffer from musculoskeletal pain. Moreover, it is more common among women in the city.
Claims Settled for Major Health Conditions in Dehradun
Cancer & Blood
Avg. claim ₹4 L
₹2 Cr
59 Claims
Injuries & Accidents
Avg. claim ₹1 L
₹2 Cr
132 Claims
Infections & Fever
Avg. claim ₹75 K
₹1 Cr
257 Claims
Heart & BP
Avg. claim ₹2 L
₹1 Cr
82 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Dehradun
Have a glance at some of the health statistics of Dehradun:
- Breast cancer and cervical cancer are the most common among women in Dehradun
- Oral cancer is the most prevalent among Dehradun men
- Non-communicable diseases make up 57.8% of all cases in Dehradun
- 58% of dengue cases in Uttarakhand were reported from Dehradun in 2023
- Dehradun leads Uttarakhand with the highest number of overweight people
- Upper respiratory tract infections and acute gastroenteritis are extremely common in Dehradun
Fortis Hospitals ₹28 L Shri Mahant Indiresh Hospital Dehradun ₹25 L Kanishk Surgical Super Speciality Hospital ₹20 L Himalayan Hospital ₹19 L Graphic Era Institute Of Medical Sciences ₹16 L Rajiv Gandhi Cancer Institute and Research Centre ₹15 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 Dehradun
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Dehradun?
Choosing the right health insurance coverage in Dehradun is important to avoid any financial burden. Insurance experts recommend having a health insurance plan with a sum insured of at least half of your annual income. But remember that your coverage amount must be sufficient to cover all potential medical expenses, including treatments for critical illnesses like cancer in Dehradun.
Given the rising healthcare costs in the city, individual health plans with a sum insured between ₹5-10 lakhs are advisable. For comprehensive family coverage in Dehradun, choosing a family health insurance policy with a sum insured of ₹20 lakh or more is recommended. Moreover, if you seek coverage for senior citizens in your family, a senior citizen health insurance policy with a minimum sum insured of ₹15 lakh is advisable.
Health Insurance in Dehradun for NRIs
NRIs or Non-Resident Indians from Dehradun can purchase a medical insurance policy from any health insurance company in India. The policy can help cover unexpected medical expenses incurred during their visit or stay in Dehradun. NRIs can also use this health insurance for NRIs policy if they plan to move to Dehradun in the future, as the waiting period will be over by that time.
Additionally, NRIs can buy health insurance for parents living in Dehradun, providing financial support to their parents even from afar. Moreover, NRIs with health insurance in Dehradun can receive a GST refund on the premium paid to an Indian insurer if 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 Dehradun?
No, it is not.
The Uttarakhand Government launched the Mukhyamantri Swasthya Bima Yojana (MSBY) in April 2015, aiming to provide cashless treatment to needy people at empanelled government and private hospitals. Both BPL (Below the Poverty Line) and APL (Above the Poverty Line) families can benefit from this cashless scheme. However, this Chief Minister's Health Insurance scheme does not provide comprehensive coverage for residents of Dehradun.
Refer to the table below to understand why the Mukhyamantri Swasthya Bima Yojana falls short of covering all medical expenses in Dehradun:
| Category | Mukhyamantri Swasthya Bima Yojana | Private Health Insurance |
| Sum Insured | This Chief Minister scheme offers coverage for up to ₹1.25 lakh. | Individuals can choose medical coverage for up to ₹6 crore, based on their budget and preferences. |
| Eligibility | Must be a resident of Uttarakhand Must meet the required income criteria Cannot be a state officer of any designation Cannot be a government official or employed in such roles Cannot hold any other health insurance plan Must not be a pension holder |
Private health insurance plans are available for anyone to purchase according to their personal needs and budget. |
| Hospitals Covered | Both public and private hospitals within the scheme's network are covered. | It provides cashless everywhere facility across all hospitals in Dehradun. |
| Procedures Covered | The scheme provides coverage only for listed surgeries and procedures. | Depending on the chosen plan, coverage includes medical treatments, OPD treatment, diagnostic tests, in-patient treatment, day care procedures, and pre and post-hospitalisation expenses. |
Wellness and Prevention Tips in Dehradun
The wellness and prevention tips to stay healthy in Dehradun are as follows:
- Eat lots of fresh fruits and vegetables to maintain a healthy diet in Dehradun.
- Avoid smoking in Dehradun to protect your lungs.
- Drink plenty of water, fruit juices, and soups to stay hydrated in Dehradun.
- Take steps to control mosquitoes around your home in Dehradun.
- Include nutrient-rich foods in your diet for essential vitamins and minerals.
- If you have asthma, avoid areas with high pollen counts in Dehradun to reduce symptoms.
- Engage in regular physical activity as it is great for your overall health.
- Wear long-sleeved clothing and use mosquito repellent when going out in Dehradun.
- Wash your hands frequently to prevent the spread of germs.
- Practise deep breathing to maintain your lung health and manage stress in Dehradun.
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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