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Health Insurance in Hyderabad
Hyderabad is a major city in south India, best known for Charminar, Ramoji Film City, natural pearls, street food and rich culture & history. But when it comes to healthcare, the city can be costly to obtain medical treatment. If you live in the City of Pearls, read on to know why you should buy health insurance in Hyderabad.
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Why Do You Need Health Insurance in Hyderabad?
Take a look at some of the reasons why health insurance in Hyderabad is a must:
6,60,50,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Hyderabad No. of Claims Settled 30 K Claim Amount Settled 149 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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High Healthcare Costs
Healthcare services in Hyderabad are pretty expensive. As per the data from hospitals in Hyderabad, people spend about Rs 10,000 to Rs 3 lakh per hospital visit, depending on their medical condition. In fact, ICU admission in the city can easily cost up to Rs 1 lakh per day in some cases. But with mediclaim insurance, you do not have to worry about arranging money as your insurer will take care of your medical bills.
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High Incidence of Non-Communicable Diseases
Non-communicable diseases like diabetes, coronary heart disease, hypertension, cancer, etc., are highly prevalent in Hyderabad. Coupled with the high cost of healthcare services in Hyderabad, treatment for non-communicable diseases can exhaust your lifelong savings in a short span. However, you can safeguard your savings if you have critical illness insurance, as your insurance company will pay for your medical bills.
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Access to Top Quality Medical Treatment
As we know, healthcare facilities are costly in Hyderabad. As a result, a large number of people compromise on their treatment quality to save money and instead go ahead with an affordable but less impactful treatment. But if you purchase the list of health insurance plan, you can get all your medical expenses covered by your insurance provider.
Major Health Problems in Hyderabad
Here are some of the major health problems in Hyderabad:
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Hypertension
Hypertension is growing rapidly in Hyderabad. According to reports, the prevalence of hypertension among the younger generation of Hyderabad has increased from 24% to 40% after the COVID-19 pandemic. In fact, the growing numbers hint at Hyderabad becoming the hypertension capital of India.
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Diabetes
Diabetes has a major presence in Hyderabad. As per a recent survey, the prevalence of diabetes in Hyderabad has increased from 25% to 33% post-pandemic. In fact, more men in Hyderabad are being diagnosed with diabetes as compared to women in the city.
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Coronary Artery Diseases
Coronary artery diseases have a high prevalence in Hyderabad. In fact, they have a 5% incidence among people between the ages of 40 to 60 years in Hyderabad. Moreover, coronary artery disease is one of the most common chronic diseases in Hyderabad.
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Cancer
Cancer is growing marginally among the people of Hyderabad. In fact, Hyderabad reports one-third of all the cancer cases in Telangana. While breast cancer is common among women in Hyderabad, oral cancer is a cause of concern for men in the city.
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Dengue
Dengue is highly prevalent in Hyderabad. The city contributed 40% of the total dengue cases in Hyderabad in 2023. Officials believe that construction sites in Hyderabad that provide the ideal breeding place for mosquitoes are the reason for dengue in the city.
Claims Settled for Major Health Conditions in Hyderabad
Heart & BP
Avg. claim ₹2 L
₹19 Cr
832 Claims
Cancer & Blood
Avg. claim ₹5 L
₹18 Cr
344 Claims
Injuries & Accidents
Avg. claim ₹1 L
₹14 Cr
928 Claims
Infections & Fever
Avg. claim ₹85 K
₹12 Cr
1 K Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Hyderabad
Given below are some of the health statistics of Hyderabad:
- 30% of people have diabetes and hypertension in Hyderabad
- Hyderabad reports 33% of all chronic diseases in Telangana
- Hyderabad reports the highest number of dengue cases in Telangana
- 45% of patients do not have health insurance in Hyderabad
- One-third of cancer cases in Telangana are reported from Hyderabad
Yashoda Healthcare Services Pvt Ltd ₹1 Cr Yashoda Super Speciality Hospital Ranga Reddy ₹1 Cr AIG HOSPITALS HYDERABAD ₹1 Cr Medicover Hospital ₹1 Cr Aig Hospital A Unit Of Asian Institute O F Gastroenterology ₹1 Cr National institute of gastroenterology and liver diseases ₹1 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 Hyderabad
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Hyderabad?
If you live in Hyderabad, you must buy a medical insurance policy that sufficiently covers all your medical expenses. As a rule of thumb, your health insurance policy should have a sum insured of at least 50% of your annual income. However, make sure that your policy sum insured is sufficient to cover the treatment cost of any chronic disease.
Since healthcare services in Hyderabad are expensive, buying health insurance of at least Rs 10 lakh is a must. If you want to cover your entire policy in a single policy, then family health insurance of Rs 30 lakh or above is recommended.
Similarly, older people above 60 years should purchase a senior citizen health insurance policy of at least Rs 20 lakh.
Health Insurance in Hyderabad for NRIs
NRIs or Non-resident Indians from Hyderabad can also buy health insurance from an insurance company based in India. They can use their health insurance for NRIs policy to pay for the medical expenses incurred while visiting or staying in India. Moreover, they can continue the same policy if they plan to move back to Hyderabad after a few years.
Additionally, NRIs can also purchase health insurance for parents residing in Hyderabad. Doing so will help you to financially support your parents during a medical emergency in Hyderabad. Moreover, the NRI can also get a refund on the GST paid while buying the mediclaim policy in Hyderabad.
You can also read: GST Refund on Health Insurance for NRIs
Is Government Health Insurance Enough to Cover Medical Expenses in Hyderabad?
NO.
The Telangana Government offers the Aarogyasri Scheme to provide quality healthcare to families living below the poverty line. However, this scheme does not provide comprehensive coverage against medical expenses in Hyderabad. The following table highlights the reasons why the Aarogyasri scheme is not enough to cover your healthcare costs in Hyderabad:
| Categories | Aarogyasri Scheme | Private Health Insurance |
| Scope of Coverage | The scheme provides cashless treatment for identified diseases that require hospitalization, therapies and surgeries. | A private health insurance policy covers a large variety of diseases, surgeries, medical procedures, therapies, etc. |
| Sum Insured | It comes with a sum insured of Rs 10 lakh per family per year. | It offers a sum insured for up to Rs 6 crore, depending on your health needs and budget. |
| Treatments Covered | The Aarogyasri Scheme covers 1672 treatments across 21 medical specialities. It also covers follow-up treatments and diagnostic procedures. | Private health plans provide coverage for hospitalization expenses, day care procedures, OPD treatments, follow-up treatments, and diagnostic procedures. It also pays for pre-hospitalization and post-hospitalization expenses. |
| Eligibility | BPL families with BPL ration cards and those listed in the Civil Supplies Department database are eligible for this scheme. | Anyone can purchase a private health plan based on their age and health. |
Wellness and Prevention Tips in Hyderabad
Check out some of the wellness tips to stay healthy in Hyderabad:
- Sleep for at least 7-9 hours daily to keep your heart healthy.
- Exercise regularly in Hyderabad to keep yourself fit.
- Go to bed and wake up at the same time every day to improve sleep.
- Practice yoga and meditation in Hyderabad to stay mentally and physically fit.
- Eat a balanced meal full of fresh fruits, vegetables and protein to boost your immunity.
- Avoid smoking and excessive consumption of alcohol.
- Reduce exposure to ultraviolet rays in Hyderabad.
- Drink at least 2-3 litres of water daily in Hyderabad.
- Avoid eating junk food and processed food in Hyderabad.
- Use mosquito repellents to keep mosquitoes away from yourself in Hyderabad.
- Remove any stagnant water to prevent mosquitoes from breeding in Hyderabad.
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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