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Health Insurance in Indore
Indore is the commercial hub of Madhya Pradesh, best known for its cotton handloom industry, delectable street food, majestic palaces, vibrant night markets, rich culture and magnificent temples. The city provides excellent healthcare services, which are expensive at private hospitals. To prevent a sudden hospitalization from exhausting your life’s savings, you must buy health insurance in Indore.
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Why Do You Need Health Insurance in Indore?
Check out some of the compelling reasons to buy health insurance in Indore:
6,54,50,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Indore No. of Claims Settled 9 K Claim Amount Settled 41 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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Prevalence of Lifestyle Diseases
Indore has a high incidence of lifestyle diseases, such as diabetes, hypertension, etc. As per the records from the CMHO office, diabetes and hypertension cases increased by 6 times in Indore from FY 2021-22 to FY 2022-23. These diseases can cripple your finances as their treatments are expensive and go on for years. However, you can avail treatment for these diseases while safeguarding your finances with the help of a critical illness insurance policy.
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High Occurrence of Vector-borne Diseases
Vector-borne diseases, including dengue, malaria, and chikungunya, have been a menace in Indore city. As per official data, Indore reported 458 dengue, 13 chikungunya and 11 malaria cases by December 20, 2023. Although the treatment for these diseases is readily available in Indore, severe cases can lead to ICU hospitalization. To stay financially prepared for such adversities, buying health insurance for vector-borne diseases is necessary.
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Expensive Treatment at Private Hospitals
Healthcare facilities in Indore can be expensive in private hospitals. In fact, the cost of hospitalization in a private hospital in Indore is over 15 times higher than in a government hospital. As a result, not everyone can afford treatment at a private hospital in Indore. But with a mediclaim insurance policy, you can choose to obtain treatment at a government or private hospital without worrying about paying the bills.
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No Compromise on Treatment
Obtaining treatment at a government hospital in Indore may take a longer time as it witnesses more patients and is more affordable. As a result, most people choose to go to a government hospital over private hospitals and eventually get delayed treatment. However, if you buy the ideal health insurance plan in India, you can afford to obtain timely treatment at any hospital in Indore, as your insurance company will pay the bill.
Major Health Problems in Indore
Here are some of the major health problems in Indore :
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Diabetes
Diabetes has a massive presence in Indore. As per the CMHO office records, about 14,905 new cases of diabetes were identified in Indore in FY 2022-23, which was 510% higher than the previous fiscal year. Sedentary lifestyles and obesity are the primary reasons for the surging diabetes cases in Indore.
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Hypertension
Hypertension cases have grown exponentially in Indore. According to the CMHO office, the number of hypertension cases in Indore increased from 3,998 in FY 2021-22 to 24,307 in FY 2022-23. In fact, 24% of people above 30 years in Indore suffer from hypertension.
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Cancer
Cancer is highly prevalent in Indore. As per reports, around 10,000 new cases of cancer were diagnosed in Indore in 2023. Excessive smoking is the biggest reason for head & neck cancer and breast cancer, which report the maximum cases in the city for men and women respectively.
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Heart Diseases
Heart diseases are common in Indore city. According to the Non-Communicable Disease (NCD) Prevention Programme Office, about 2,386 people in Indore were diagnosed with acute heart disease in FY 2022-23. Doctors believe that sedentary lifestyles coupled with bad food habits are responsible for growing heart diseases in the post-pandemic Indore.
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Dengue
Dengue has a huge presence in Indore. As per health authorities, more than 450 cases of dengue were detected in Indore in 2023. Experts blame erratic weather conditions in the city for providing the ideal breeding ground for Aedes aegypti mosquitoes that spread dengue.
Claims Settled for Major Health Conditions in Indore
Infections & Fever
Avg. claim ₹61 K
₹5 Cr
871 Claims
Injuries & Accidents
Avg. claim ₹1 L
₹4 Cr
380 Claims
Heart & BP
Avg. claim ₹1 L
₹4 Cr
303 Claims
Cancer & Blood
Avg. claim ₹3 L
₹4 Cr
139 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Indore
Given below are some of the health statistics in Indore:
- Diabetes cases in Indore shot up by 510% in 1 year
- Cancer cases in Indore are increasing by 12% every year
- Indore reports 45% of all dengue cases in the Indore division
- Every 5th person in Indore suffers from diabetes
- Head & neck cancer is the most common cancer among men and breast cancer among women of Indore.
Choithram Hospital and Research Centre ₹1 Cr SHALBY HOSPITAL INDORE A unit of Shalby Limited ₹87 L Fortis Hospitals ₹64 L Life Care Hospital Ltd ₹46 L APPLE INDORE HOSPITAL AND RESEARCH CENTER ₹46 L Sahaj Hospitals Pvt Ltd ₹38 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 Indore
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Indore?
If you live in Indore, you must choose to buy a health insurance policy that best covers all your medical expenses in the city. Experts say your health insurance coverage amount should be at least half of your annual income in Indore. However, your health insurance sum insured should be sufficient to pay for the treatment of a critical illness in Indore, such as cancer, heart surgery, etc.
Given the high cost of medical treatments in private hospitals, people in Indore must buy a medical insurance policy of Rs 5-10 lakh. To cover your whole family in one policy, buying a family health insurance plan of Rs 20 lakh or more is recommended in Indore.
Similarly, senior citizens in Indore should get themselves a senior citizen health insurance policy of at least Rs 15 lakh.
Health Insurance in Indore for NRIs
Non-resident Indians or NRIs who visit Indore regularly can purchase a mediclaim policy from any health insurance companies in India. They can use it to pay for the medical bills incurred during their visit or stay in Indore. In fact, they can continue with the same health insurance for NRIs policy in case they return to Indore permanently after staying abroad for a few years.
Moreover, NRIs can also buy health insurance parents residing in Indore even if they themselves stay in a different country. Doing so will help them to provide financial support to their parents in case of a medical emergency in Indore.
Additionally, NRIs are eligible for an 18% GST refund on their premium amount if they buy a medical insurance policy from an insurer in India.
You can also read: GST Refund on Health Insurance for NRIs
Is Government Health Insurance Enough to Cover Medical Expenses in Indore?
No.
The Madhya Pradesh government introduced the Mukhyamantri Karamchari Swasthya Bima Yojana (MKSBY) in April 2020 to provide free medical treatment to all its government employees and their families. However, the scheme is not enough to pay all their medical expenses in Indore. The following table represents how the MKSBY scheme is not sufficient to obtain comprehensive medical coverage in Indore:
| Categories | MP Mukhyamantri Karamchari Swasthya Bima Yojana (MKSBY) | Private Health Insurance |
| Who is Eligible? |
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All residents of Indore can buy a private health insurance policy. |
| Scope of Coverage | MKSBY covers the cost of hospitalization, general treatment, medicines and critical illness treatment expenses. | It offers coverage for a wide range of surgeries, treatments, day care procedures and OPD treatments, depending on the chosen plan. In-patient hospitalization along with pre and post-hospitalization expenses are also covered under private health plans. |
| Sum Insured | The scheme offers a sum insured of Rs 5 lakh per family. The coverage extends to Rs 10 lakh for the treatment of a critical illness. | You can buy a private health policy with a maximum sum insured of Rs 6 crore, depending on your preference and budget. |
Wellness and Prevention Tips in Indore
Take a look at some of the wellness and prevention tips to stay healthy in Indore:
- Go for health check-ups regularly in Indore to detect any major disease at an early stage.
- Walk daily for around 30 minutes in Indore to keep your blood pressure in control and maintain weight.
- Reduce the consumption of salt and carbohydrates in your diet.
- Stop smoking and avoid drinking alcohol in Indore.
- Wear full-sleeved clothes and use mosquito repellents in Indore to prevent mosquito bites.
- Practice meditation or yoga to reduce stress in Indore.
- Everyone above 30 years old in Indore must regularly go for a blood pressure check-up.
- Consume a balanced diet rich in lean proteins and low in calories.
- Prevent stagnation of water around your home and office in Indore.
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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